The Chase Ink Business Cash significantly factors into my strategic approach for credit cards.
Who doesn't love racking up points and miles with transferable rewards? It's a personal preference, but I'm all about Team Chase Ultimate Rewards. The reason? I can transfer these bad boys to 14 airline and hotel partners for maximum value!
To amplify my Ultimate Rewards points-earning potential while keeping my annual fees low, I've got four cards in my wallet: the Chase Sapphire Preferred Card, the Chase Freedom Unlimited, the Chase Freedom Flex, and the Ink Business Cash Credit Card. The only card with a fee is the Preferred, so for a minimal $95 annual fee across all four cards, I hit a wide range of bonus categories.
But it's the Ink Business Cash that's key to my strategy. On its own, it's a cash-back card, but if you've got a card that earns transferable Chase Ultimate Rewards points (like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred), you can combine your points and transfer all your rewards to Chase's hotel and airline partners.
I'm a fan of getting creative with my Ultimate Rewards points. Whether it's booking Southwest Airlines flights during their seasonal sales or staying at Category 1 Hyatt properties, the option to transfer my Ultimate Rewards to both of these programs (among Chase's 12 other hotel and airline partners) makes Chase points my most valuable points currency.
Side note: Want to know more about the Chase Ink Business cards? Here's your guide!
So, what's so great about the Ink Business Cash? Well, it's bonus categories seamlessly mesh with other cards - earning 5 points per dollar on the first $25,000 spent each year at office supply stores and on internet, cable, and phone services, as well as 2 points per dollar spent at gas stations and restaurants, and 1 point per dollar spent on everything else.
Before I got the Ink Business Cash, I used my Freedom Unlimited card to earn 1.5 points per dollar spent on my cable, phone, and internet bills. But now, I put these bills on my Ink Business Cash and earn 5 Ultimate Rewards points per dollar! Even if you spend just $250 per month on these expenses, you'll earn 15,000 points per year, worth $150 in cash or $300 in travel, according to The Points Guy (TPG) valuations.
One might think that earning 5 points per dollar spent at office supply stores isn't super impressive. But I've discovered it's a gold mine! I started looking for ways to take advantage of the office supply store bonus category and realized it's packed with savings opportunities. I now earn 5 points per dollar on my highlighters, office essentials, paper towels, coffee, and travel-size toiletries. Plus, I earntons of points on pricier furniture or technology upgrades and on awesome gift cards I could buy with my points!
If you max out the 5% categories on the Ink Business Cash, you'll earn 12,500 points each year, which are worth $1,250 in cash or $2,500 in travel, according to TPG valuations.
Since I also have the Chase Sapphire Preferred card and can transfer all the rewards I earn with the Ink Business Cash to World of Hyatt and Southwest Rapid Rewards, keeping this card in my wallet is a no-brainer. Even if I shifted my focus to cash-back rewards, earning 5% cash back at office supply stores and on cable, phone, and internet services, as well as 2% back at restaurants and gas stations on Ink Business Cash, is an impressive earning structure for a card with no annual fee.
So, if you want to maximize both your cash-back and Chase Ultimate Rewards earning potential and you've got a business, go grab yourself an Ink Business Cash Credit Card. Your wallet (and your travels) will thank you! For more details, check out our full review of the Ink Business Cash.
Apply here: Ink Business Cash Credit Card
Now, be sure to take advantage of these great offers from our partners!
- Learn More about The Business Platinum Card® from American Express[OFFER ENDS 6/30/25] Best Business Travel Card: The Business Platinum Card® from American Express - Earn 150,000 points + $500 statement credit
- Learn More about Capital One Venture X Business[See rates & fees] Best business card for traveling: Capital One Venture X Business - Earn 150,000 bonus miles
- Learn More about Ink Business Preferred® Credit Card[See rates & fees] BEST FOR EARNING POINTS ON BUSINESS EXPENSES: Ink Business Preferred® Credit Card - Earn 90,000 bonus points
- Learn More about Ink Business Unlimited® Credit Card[See rates & fees] Best for Freelancers: Ink Business Unlimited® Credit Card - Earn $750 bonus cash back
- Learn More about American Express® Business Gold Card[See rates & fees] BEST FOR BUSINESSES WHO WANT CUSTOMIZED REWARDs: American Express® Business Gold Card - Earn 100,000 points
Check out CardMatchTM to see if you prequalify, and browse our guides on the best no-annual-fee business credit cards, how to get a business credit card, and why the Ink Business Preferred and Ink Business Cash cards make a fantastic pair! And don't forget to brush up on the five reasons to keep a cash-back credit card in your wallet!
** The information for the Capital One Venture X Business card has been collected independently by The Points Guy. The card details, benefits, and offers listed on this page have not been reviewed or provided by the card issuer.
- I prefer the Chase Ultimate Rewards credit cards, as they allow me to transfer points to 14 airline and hotel partners for maximum value.
- To increase my Ultimate Rewards points-earning potential with low annual fees, I have four cards: the Chase Sapphire Preferred Card, Chase Freedom Unlimited, Chase Freedom Flex, and the Ink Business Cash Credit Card.
- The Ink Business Cash Credit Card is pivotal to my strategy, as it can be combined with my other Ultimate Rewards cards to transfer all rewards to Chase's hotel and airline partners.
- I use the Ink Business Cash Credit Card to earn 5 Ultimate Rewards points per dollar on my cable, phone, and internet bills, gaining 15,000 points per year worth $150 in cash or $300 in travel.
- The office supply store bonus category on the Ink Business Cash Credit Card offers numerous savings opportunities, earning 5 points per dollar on highlighters, office essentials, paper towels, coffee, travel-size toiletries, furniture, technology upgrades, and gift cards.
- With the Ink Business Cash Credit Card, I can earn up to 12,500 points each year, worth $1,250 in cash or $2,500 in travel, according to The Points Guy valuations.
- Pairing the Ink Business Cash Credit Card with the Chase Sapphire Preferred card allows me to transfer the rewards I earn to World of Hyatt and Southwest Rapid Rewards programs.
- If you have a business, the Ink Business Cash Credit Card is an excellent choice for maximizing cash-back and Ultimate Rewards earning potential with no annual fee.
