Don’t click away just yet because you may qualify for these cards and the high sign up bonuses that usually come with it. Banks know businesses spend more and also banks want to take care of these smaller businesses. In reality these cards really should be called “small business credit cards”. These cards provide a lot of value for things that you already may be doing. Below will be a detailed summary of the most popular business cards that I am currently eyeing or already have.

Chase

Chase has the most popular set of business cards which includes its Ink Business lineup which includes the Chase Ink Business Unlimited, Chase Ink Business Cash, and Chase Ink Business Preferred. These three cards have large sign up bonuses, great category multipliers, and purchase and travel protection. All for low or no annual fee.

Chase Ink Business Unlimited

  • 1.5% on all purchases
  • Sign-Up Bonus: 50,000 UR points ($500) for $3,000 spend
  • Annual Fee: $0

Chase Ink Business Cash

  • 5% on internet, phone and cable services
  • 5% on office supply stores
  • 2% gas
  • 2% dining
  • Sign-Up Bonus: 50,000 UR points ($500) for $3,000 spend
  • Annual Fee: $0

*NOTE: Both the Cash and Unlimited cards earn UR points. Values in parenthesis are cash value equivalent

Chase Ink Business Preferred

  • 3x points on travel
  • 3x points on shipping purchase
  • 3x points on internet, phone and cable services
  • 3x points on advertising on social media sites and search engines
  • Sign-Up Bonus: 100,000 UR points for $15,000 spend (80,000 UR points for $5,000 spend with a referral link)
  • Annual Fee: $95

From a daily driver point of view, the three cards listed above cover categories that personal cards typically do not. Outside of dining, groceries, and gas, the phone, internet, and cable service category is very useful. In addition, the office supply stores category is useful for those times where you need to stop by Staples or Office Depot.

But the sign-up bonuses on these three cards are huge. In total you can earn either 180,000 or 200,000 UR points depending on which offer you prefer for the Preferred card.

American Express

American Express business credit cards also provide a lot of value. The American Express Business Gold, Platinum and Blue Plus are some of the more popular business cards in its lineup that I am personally looking at. I am not including the Blue Business Cash card since it does not earn Membership Rewards (MR) points, but it essentially does what the Blue Business Plus card does, but with cash back.

American Express Business Platinum

  • 5x MR points on flights and prepaid hotels on amextravel.com
  • 50% point boost on large business purchases
  • 35% bonus when redeeming points for airline
  • Sign-Up Bonus: 75,000 MR points after $15,000 spend(50,000 MR points after $10,000 and an extra $35,000 after another $10,000)
  • Annual Fee: $595

American Express Business Gold

  • 4x MR points on two categories of choice from below (U.S. purchases only | $150,000 limit)
    • select media, select technology providers, gas, dining, shipping
  • 25% points back when booking a flight using Pay with Points
  • Sign-Up Bonus: 35,000 MR points after $5,000 spend (50,000 points with referral)
  • Annual Fee: $295

American Express Blue Business Plus

  • 2x MR points on every purchase ($50,000 limit)
  • Sign-Up Bonus: 10,000 MR points after $3,000 spend with referral
  • Annual Fee: $0

These American Express business cards have a higher annual fee but if you do have these categories that are more geared for traditional businesses, these cards will be a great fit. These cards also have a larger spend requirement for the sign-up bonus but provide a lot of points for those spend.

Takeaway

One important thing to note is that the sign-up bonuses do change every now and then. I will update this blog post to be the most up to date possible when I hear and or see of new changes. With that said, business credit cards are not difficult to apply for. In fact, you need just a few extra pieces of information compared to the personal credit cards. If you have made any made selling or providing any service, you qualify for these business credit cards. Click here if you want to see what business credit card applications look like for Chase and American Express. Let me know in the comments section below if you have any questions, or if you apply, let me know how it went for you. But until next time…

We appreciate y’all for letting us be a part of your Break Time.

Checking out, Kenny

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