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Unleash the Power of Small Business Rewards: Ink Business Preferred and Cash

Unlock Big Rewards with Ink Business Preferred and Ink Business Cash

Are you a small business owner looking for a credit card that offers generous rewards and benefits? Look no further than the Ink Business Preferred and Ink Business Cash credit cards from Chase.

In this article, we will compare these two popular credit cards and explore the benefits of pairing them together. From sign-up bonuses to earning rates and standout benefits, we will cover it all.

So let’s dive in and discover how these cards can take your business to the next level. Sign-up Bonus: Get Rewarded from Day One

When it comes to sign-up bonuses, both the Ink Business Preferred and Ink Business Cash credit cards deliver.

The Ink Business Preferred card offers a whopping 100,000 bonus points after spending $15,000 within the first three months. If you prefer cash-back rewards, the Ink Business Cash card offers $750 cash back after spending $7,500 within the first three months.

These generous bonuses provide an excellent head start for maximizing your rewards. Annual Fee: Choose What Fits Your Business

While the Ink Business Preferred card charges an annual fee of $95, the Ink Business Cash card has no annual fee at all.

This makes it a great choice for small business owners who want to minimize costs. However, if you are confident that you can take advantage of the premium benefits and earning potential of the Ink Business Preferred card, the annual fee can be well worth it.

Earning Rates: More Rewards for Your Everyday Expenses

The Ink Business Preferred card offers three points per dollar spent on the first $150,000 in combined purchases in select categories each account anniversary year. These categories include travel, shipping, internet, cable, and phone services.

For all other purchases, you earn one point per dollar spent. On the other hand, the Ink Business Cash card provides 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

You also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% cash back on all other purchases. These earning rates make the Ink Business Cash card ideal for maximizing rewards on everyday business expenses.

Best Redemption Options: Flexibility is Key

When it comes to redeeming your rewards, both the Ink Business Preferred and Ink Business Cash cards offer great options. With the Ink Business Preferred card, you can transfer your points to various airline and hotel partners, allowing you to book travel directly with them.

Alternatively, you can use the Chase Ultimate Rewards travel portal to redeem your points for flights, hotels, car rentals, and more. If you prefer cash back, you can also redeem your points for statement credits or direct deposits into your bank account.

Additionally, you have the option to redeem your points for gift cards from popular retailers. The Ink Business Cash card, on the other hand, allows you to redeem your cash back as a statement credit, a direct deposit into your bank account, or for gift cards.

While it doesn’t offer the same transfer options as the Ink Business Preferred card, it still provides ample flexibility when it comes to cashing in your rewards. Standout Benefits: Protecting Your Business

Both the Ink Business Preferred and Ink Business Cash cards come with standout benefits that can give you peace of mind as a small business owner.

These include employee cards, extended warranty protection, purchase protection, cellphone protection, trip cancellation/interruption insurance, and auto rental collision damage waiver. These benefits can help safeguard your business and make your life easier in unexpected situations.

Benefits of Pairing the Ink Business Preferred and Ink Business Cash Cards

Now that we have covered the individual features of these two cards, let’s discuss the benefits of pairing them together. The Ink Business Cash card allows you to convert your cash-back rewards into Ultimate Rewards points.

By transferring your cash-back rewards to the Ink Business Preferred card, you can enhance the value of your rewards. This opens up the possibility of redeeming your rewards for even more valuable options, such as travel bookings with transfer partners or higher value in the Chase Ultimate Rewards travel portal.

Additionally, by using the Ink Business Preferred card for select categories like travel and advertising, and the Ink Business Cash card for office supplies and internet services, you can maximize your earnings in each spending category. This strategy allows you to earn more rewards on your everyday business expenses and make the most out of your credit cards.

In conclusion, the Ink Business Preferred and Ink Business Cash credit cards offer incredible rewards and benefits for small business owners. Whether you prefer generous sign-up bonuses, earning rates tailored to your spending habits, or flexible redemption options, these cards have you covered.

By pairing them together, you can unlock even more value and supercharge your rewards. So why wait?

Apply for these powerhouse credit cards today and start earning big for your business. Exploring Alternatives: Enhancing Your Rewards Strategy

In our previous article, we delved into the benefits of pairing the Ink Business Preferred and Ink Business Cash cards.

However, what if you’re looking for alternative options to complement your rewards strategy? In this expanded article, we will explore some alternatives to consider.

By adding the Ink Business Unlimited card, a no-annual-fee personal card, or skipping the Ink Business Preferred card altogether, you can further optimize your rewards potential. Additionally, we will discuss the importance of considering Chase’s 5/24 rule when applying for new cards.

Let’s dive in and explore these alternatives in detail.

Adding the Ink Business Unlimited Card

If you find yourself having significant non-bonus-category spending, adding the Ink Business Unlimited card to your repertoire can be a smart move. This card allows you to earn 1.5% cash back (or 1.5 Ultimate Rewards points per dollar) on all purchases with no limit.

Like the Ink Business Cash card, the Ink Business Unlimited card has no annual fee. By combining the Ink Business Unlimited card with your other Ink Business cards, you can maximize your rewards potential where the Ink Business Cash card’s 1% earning rate falls short.

Adding a No-Annual-Fee Personal Card

In addition to the Ink Business cards, considering a no-annual-fee personal card can be beneficial for your rewards strategy. Chase offers a range of consumer cards that earn valuable Ultimate Rewards points.

Two popular options are the Chase Freedom Unlimited and Chase Freedom Flex cards. The Chase Freedom Unlimited card earns 1.5% cash back (or 1.5 Ultimate Rewards points per dollar) on all purchases, making it a great complement to the Ink Business cards.

On the other hand, the Chase Freedom Flex card offers unique rotating bonus categories that can earn you up to 5% cash back (or 5 Ultimate Rewards points per dollar) on eligible purchases. By pairing these personal cards with your Ink Business cards, you can further diversify your rewards potential.

Skipping the Ink Business Preferred Card

While the Ink Business Preferred card offers exceptional rewards and benefits, it may not be the right fit for everyone. If you prefer more flexible redemption options or want to explore additional travel perks, considering the Chase Sapphire Preferred or Chase Sapphire Reserve cards could be a better choice.

Both of these personal cards allow you to transfer your Ultimate Rewards points to airline and hotel partners, unlocking the potential for even more valuable redemption options. The Sapphire Reserve card also offers premium travel benefits, such as Priority Pass lounge access and an annual travel credit.

By skipping the Ink Business Preferred card and opting for one of the Sapphire cards, you can tailor your rewards strategy to your specific needs and preferences. Consideration of Chase’s 5/24 Rule

Before diving into any new credit card applications, it’s important to understand Chase’s 5/24 rule.

This rule states that if you have opened five or more personal credit cards from any issuer in the past 24 months, you are likely to be declined for certain Chase-issued credit cards. This rule applies to both personal and business credit cards, so it’s crucial to consider your card approval chances when strategizing your credit card portfolio.

If you are close to or have reached the 5/24 count, it may be wise to prioritize the cards that align most with your goals and needs. Bottom Line: Benefits of Pairing Ink Business Preferred and Ink Business Cash Cards

While exploring alternatives is important, there’s no denying the significant benefits of pairing the Ink Business Preferred and Ink Business Cash cards.

By doing so, you can enhance your earnings potential and maximize your redemption options. The combination of these two cards allows you to earn more points on a wide range of business expenses, ensuring that your rewards pile up quickly.

Moreover, by transferring your cash-back rewards from the Ink Business Cash card into Ultimate Rewards points, you can unlock valuable redemption options like travel bookings with transfer partners or enhanced value in the Chase Ultimate Rewards travel portal. In the world of business card strategies, the Ink Business Preferred and Ink Business Cash cards have the potential to become a favorite duo.

Their unique benefits and diverse earning capabilities make them a powerful combination for small business owners. However, it’s essential to consider your specific business needs, spending habits, and long-term goals when deciding whether to pair these cards or explore alternative options.

Remember, the best rewards strategy is one that aligns with your business goals and helps you make the most of every dollar spent. In conclusion, by carefully considering your options and customizing your credit card portfolio to suit your needs, you can create a rewards strategy that boosts your business’s success.

Whether you choose to pair the Ink Business Preferred and Ink Business Cash cards, add the Ink Business Unlimited card or a no-annual-fee personal card, or skip the Ink Business Preferred card altogether, there are plenty of alternatives to consider. Keep your goals in mind, explore your options, and make informed decisions to optimize your rewards potential.

Happy earning!

In conclusion, exploring alternatives to enhance your rewards strategy is crucial when considering credit card options for your small business. While pairing the Ink Business Preferred and Ink Business Cash cards offers significant benefits, adding the Ink Business Unlimited or a no-annual-fee personal card can further maximize rewards potential.

Additionally, considering alternatives like the Chase Sapphire Preferred or Chase Sapphire Reserve cards can provide more flexibility and travel perks. It’s important to prioritize your goals and consider Chase’s 5/24 rule when applying for new cards.

Ultimately, a well-designed rewards strategy can significantly impact your business’s success, so take the time to analyze your options and make informed decisions that align with your specific needs. Happy earning, and may your business thrive with every reward earned.

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