If you want to use points and miles long term, opening business cards is an essential part of your strategy. There are so many business cards out there and they often have great signup bonuses they are a great way to space out your personal cards and have a long-term travel card strategy. But there is one family of cards that stands above the rest and is our #1 recommendation for beginners!
The Best Starter Business Cards:
The cards we recommend for almost all beginners are the Chase Ink® business cards. These cards earn Ultimate Rewards® points that can be transferred to a variety of hotels or airlines and are perfect for when you’re starting out. Our two favorites for beginners are the Chase Ink Business Cash® Credit Card and the Chase Ink Business Unlimited® Credit Cards. In addition to having no annual fees, they have solid signup bonuses of flexible, transferrable points that can be used for flights, hotels, and more. You really can’t go wrong with either card, but we will break each of them down for you.
Chase Ink Business Cash® Credit Card: This card earns 5% back on the first $25,000 spent in combined purchases at office supply stores, and on internet, cable and phone services each account anniversary. 5% is the same as 5X points if you are using the card for a travel rewards card. You can also earn 2% back on the first $25,000 spent on combined purchases at gas stations and restaurants each account anniversary.
Chase Ink Business Unlimited® Credit Card: This card earns 1.5% back on every purchase made. If you use these points for travel, that equates to 1.5X points on every purchase.
Important Note:
Both of these cards are marketed as cash back cards. You can definitely use them for cash back, but we like to use our earnings for travel reward points because of the value we get. In order to use the points from these cards to transfer to hotels/airlines and book travel, you will need a Chase Sapphire Preferred® card. It is a very simple process to link your business card to your personal account and from there it’s just a click of a mouse to transfer points to your personal card and then you can book all the free travel with your new points!
In Summary:
Business cards really are the best way to help spread out your personal cards and make points and miles travel sustainable. If you only open personal cards, you will quickly reach your limit of how many you can have. Applying for business cards and spacing things out with your Player Two is an essential part of a long-term award travel strategy.
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