What Is The Best Small Business Credit Card For Rewards?

The best small business credit card for rewards typically offers cash back or points on common expenses like office supplies and travel. Credit Cardzy recommends cards with no annual fees and flexible redemption options.

Are There Specific Benefits With The Best Business Credit Cards For Small Businesses?

Yes! Many cards offer travel perks, cash back, and expense tracking, making them ideal for small business owners.

How Can A Credit Card For Business Owners Help My Business?

A credit card for business owners helps streamline expense tracking, manage cash flow, and build business credit effectively.

Can I Use A Credit Card For Small Businesses For Personal Expenses?

It’s advisable to keep business and personal expenses separate to simplify bookkeeping and taxes. Choose a credit card for small businesses for optimal financial management.

How Does Credit Cardzy’s Best Card For Small Business Help With Expense Management?

Credit Cardzy’s best card for small businesses comes with powerful tools that allow you to track and categorize expenses, manage employee spending, and generate detailed reports. This makes managing your business finances easier and more efficient.

Disclosure:

The Points Pundit receives NO compensation from credit card affiliate partnerships. Support the blog by applying for a card through my personal referral links. This article is meant for information purposes only and doesn’t constitute personal finance, legal, health or investment advice. Please consult a licensed professional for advice pertaining to your situation.

Before the end of the year, I wrote about some of the amazing limited time offers that Chase was running on some of their business credit cards. You could earn 90,000 points or $900 cash back on the Chase Ink Unlimited and the Chase Ink Cash. Chase was also running a welcome bonus offer of 100,000 Ultimate Rewards points on the Ink Business Preferred card. While Chase has done away with the limited time offers on the Ink Business and Ink Cash cards, the 100,000 points offer on the Ink Business Preferred card is still available! Chase still hasn’t provided any official end date for the offer yet, so it can be pulled at any time.

Ink Business Preferred: 100,000 bonus points offer

Currently, you can earn 100,000 Ultimate Rewards points after signing up for the Ink Business Preferred card and spending $8,000 in the first 3 months after approval. Chase’s Ultimate Rewards points are extremely valuable. You can redeem them at a flat value of 1.25 cents per points or transfer them to Chase’s valuable airline and hotel partners. If you merely redeem them through Chase’s portal, you’ll get a value of at least $1,250. If you use them tactfully, you can get up to 2 cents per point, thereby making the sign-up bonus worth $2,000.

APPLY NOW FOR THE 100,000 ULTIMATE REWARDS POINTS OFFER

I’m a strong proponent of signing-up for and keeping credit cards beyond just attaining the sign-up bonus. The Ink Business Preferred Credit Card by Chase ticks both those boxes. In addition to the 100,000 point sign-bonus, the card has valuable spending categories, helping you rack up thousands of Ultimate Rewards points very quickly.

With the Ink Business Preferred Credit Card by Chase, you’ll earn 3 Ultimate Rewards points per dollar spent in the following categories:

– Travel
– Shipping
– Internet, Cable and Phone services
– Advertising purchases made with social media sites and search engines

When you’re not traveling, it’s easy to rack up points by putting your monthly cable, phone and internet bill on this card. If your monthly bill in this category is around $200, you can earn a total of 7,200 Ultimate Rewards points each year just by putting your monthly bill on this card.

REDEEMING POINTS WITH THE INK BUSINESS PREFERRED CARD

Here’s where you have a couple of lucrative options. You can redeem Chase Ultimate Rewards points on the Ink card by simply redeeming them for 1.25 cents a piece. You can do so by purchasing travel from Chase’s portal. For example, if you buy through Chase’s portal, a $125 airline ticket will cost you 10,000 Ultimate Rewards points. If you redeem your entire sign-up bonus of 100,000 points on the Chase portal, you’ll get $1,250 in travel.

Even better, you can transfer Chase’s points to their travel partners at a 1:1 ratio. I’ve redeemed my Ultimate Rewards points for some really memorable stays by transferring them to the World of Hyatt program.

Airline Partners
– Aer Lingus AerClub
– Air Canada Aeroplan
– British Airways Executive Club
– Flying Blue/ Air France KLM
– Iberia Plus
– JetBlue TrueBlue
– Emirates Skywards
– Singapore Airlines KrisFlyer
– Southwest Airlines Rapid Rewards
– United MileagePlus
– Virgin Atlantic Flying Club

Hotel Partners
– IHG Rewards Club
– Marriott Bonvoy
– World of Hyatt

OTHER IMPORTANT BENEFITS

The card offers other valuable benefits like purchase protection, extended warranty protection, car rental insurance, roadside assistance and trip delay/trip cancellation insurance. These ancillary benefits can be extremely valuable.

CHASE 5/24 RULE

Please note that this card is subject to Chase’s 5/24 rule. Chase will not approve you for a card if you’ve been approved for five or more consumer credit cards from any issuer in the last 24 months. However, this is a business credit card. Once you’re approved, it will appear on your business credit report and will not take up a 5/24 slot.

ANNUAL FEE

The annual fee for this card is $95. By putting your cable, internet and phone bill monthly and earning 3x, you can easily recoup the entire annual fee given the amount of points you’ll earn.

BUSINESS CREDIT CARDS

You need not have a full-fledged business in order to get this card. If you have any consulting gig or run a part-time business on the side, you can apply as a sole proprietor. Before you apply, please ensure that you enter all the details truthfully and correctly on your credit card application.

THE PUNDIT’S MANTRA

If you’re looking to play the miles and points game long term, then this is a fantastic card. It offers you earn a hefty sign-up bonus of 100,000 Ultimate Rewards points. I’ve redeemed Chase points for great value by transferring them to Chase’s travel partners. Some of my favorite redemptions include transferring to World of Hyatt and redeeming for their all-inclusive resorts and transferring to Singapore airlines in order to fly business class to India and around Asia.

CLICK HERE FOR THE 100,000 ULTIMATE REWARDS POINTS OFFER

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