I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.
Chase has increased the initial offer for the Chase Sapphire Preferred® Card to 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This is one of the best card deals I’ve ever seen.
If you are over ‘5/24’ you aren’t likely to get a Chase card. Chase generally won’t approve new cardmembers who have had five or more new card accounts opened in the past 24 months.
But many people don’t qualify for the big Chase Sapphire Preferred® Card offer because they already have a Sapphire Preferred or Reserve, or got a bonus for one of those cards in the past 48 months.
If that’s the case for you, consider a Chase Ink card. These are small business cards that offer the same Ultimate Rewards points. Having a Sapphire Preferred or Reserve doesn’t prevent you from being eligible for these. And Chase business cards generally don’t add to your 5/24 total (while a new Chase Sapphire Preferred® Card would).
- Ink Business Preferred℠ Credit Card has a 100,000 point signup bonus after $15,000 spend within 3 months. That can even be enough for a roundtrip business class award ticket between the US and Europe.
It earns 3 points per dollar on the first $150,000 spent each year on travel — that’s airlines, hotels, rental cars, tolls, even Uber — and shipping and advertising on social media and search engines, so great for anyone who advertises on Facebook or Twitter, or who spends money advertising with Google. It also comes with $600 protection against theft or damage when you use it to pay your cell phone.
These points transfer to airline miles and hotel points, like Sapphire Preferred and Reserve do.
- The Ink Business Unlimited® Credit Card has an initial bonus offer to earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Your ongoing spend will earn unlimited 1.5% cash back on every purchase made for your business. if you already have a Sapphire Reserve or Preferred – or an Ink Business Preferred – you can transfer these points into that account and on to airline miles or hotel points.
- The Ink Business Cash® Credit Card has an offer to earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Ongoing earn is rich especially 5x categories: Earn 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; earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Getting a small business card is one of the things you should do as you start your business. It’s often the first resource many business owners look to as they start to grow. A small business card allows you to separate business from personal expenses and builds the credit history and identity of your business. Several readers have reported better luck with approvals recently with brand new businesses, compared to last year when most of the reports I received were that Chase wanted only more established businesses.