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Ink Plus Business Credit Card Review

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Who Is the Ink Plus Business Credit Card Good For?

Ink Plus is a line of credit cards specifically for small businesses. While American Express and Diners Club do a lot in the corporate market, Chase has instead taken the tack of addressing an undeserved entrepreneurial market with a very well-developed product.

There are two Chase Ink cards, and the Ink Plus is the most rewarding. Since the card is aimed at small business owners, many people are eligible for it, as long as they have a small side business or hobby that accumulates some income or is currently being built up.

Tied to the powerful Chase Ultimate Rewards travel rewards program,  Ink Plus gives you higher earning options that you can get on the personal cards, while also preserving key travel-related category bonuses.

Sign-Up Bonuses:

This card comes with a 60,000-point sign-up bonus, which is among the highest offered with any rewards card.

 Ink Plus® Business Credit Card
Ink Plus® Business Credit Card

To receive the bonus you’ll need to spend $5,000 on the card in the first three months after opening the account.

Points Earned:

  • 5 points per dollar on office supply stores and phone, Internet and cable TV payments, up to $50,000 per year
  • 2 points per dollar on gas stations and hotels purchased directly through the hotel, up to $50,000 each year
  • 1 point per dollar on all other purchases

What Do Your Points Get You?

Chase Ultimate Rewards points can be used for travel in two ways: directly through the Ultimate Rewards shopping portal or as airline miles after transferring your points to the airline of your choice.

When you use your points to pay for travel through the Ultimate Rewards shopping portal, you have a lot more flexibility in terms of what you can use your points on, including car rentals, cruises, hotels, as well as airlines that are not transfer partners.

More importantly, though, whenever you book travel directly through Chase, you automatically receive 20 percent off the purchase, even if you only pay partially with Ultimate Rewards points.

For airline transfers, Chase has fewer partners than other credit card programs. But it compensates for that by offering instantaneous transfers with the partners that it has, so you can find an award seat and have the miles transferred before your airline booking search even times out.

Usage Perks:

  • Reward points never expire as long as you have a Chase Ultimate Rewards card
  • No foreign transaction fees
  • 20 percent off flights, hotels, cruises and car rentals booked online through Chase
  • Exclusive receipt and expense report filing software
  • Instant transfers to partners
  • Additional cards are free
  • Option to choose your due date

Usage Quirks:

  • Bonus categories are capped at $50,000 per year
  • Low number of airline partners compared to other credit card transfer programs

How Far Do Your Dollars Go?

In its marketing, Chase automatically values its points at 1.2 cents per dollar because of the 20 percent bonus on travel booked directly through the Ultimate Rewards portal. However, if you use your points primarily for transfers to airlines, you can get an even greater value.

Transfer or redeem your points for flights or miles

British Airways transfers are good for domestic flights, as you can use American Airlines on short flights for just 7,500 miles and $5 each way even when those flights are to remote airports and cost $500. To fly American to Savannah from the Northeast in the winter, you’d pay $275 to $400 out of pocket roundtrip, so you’re getting 1.8 to 2.6 cents per point.

On long-haul flights, now that Chase has partnered with Singapore Airlines, you have access to the world’s best first class cabin through your Chase rewards. You can fly the trip of a lifetime, enjoying truly unparalleled service for more than 20 hours, and 110,000 miles each way, for a 13-cent-per-point value.

Additional Cardholder Benefits:

  • Purchase protection
  • Extended warranty protection
  • Return protection
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
  • Travel accident insurance
  • Travel and emergency assistance services
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Price protection

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.