Like peanut butter and jelly or Bonnie and Clyde, some bank cards are simply higher collectively. Doubling up may give you extra redemption choices or bonus classes that complement one another.
Today, we’re diving into an iconic bank card pair: the Ink Business Preferred® Credit Card and the Ink Business Cash® Credit Card.
Comparing the Ink Business Preferred and Ink Business Cash
| Benefit particulars | Ink Business Preferred | Ink Business Cash |
|---|---|---|
| Sign-up bonus | 100,000 bonus factors after you spend $15,000 on purchases within the first three months after account opening. | $750 money again after you spend $6,000 on purchases within the first three months of account opening. |
| Annual payment | $95. | None. |
| Earning charges | 3 factors per greenback spent on the primary $150,000 spent every account anniversary yr on journey, delivery purchases, web, cable and cellphone companies and promoting purchases with social media websites and search engines like google and yahoo.
1 level per greenback spent on every part else. |
5% money again at workplace provide shops and on web, cable and cellphone companies on the primary $25,000 spent in mixed purchases every account anniversary yr.
2% money again at fuel stations and eating places on the primary $25,000 spent in mixed purchases every account anniversary yr. 1% money again on every part else. |
| Best redemption choices | Transfer to companions at a 1:1 ratio (TPG values factors at 2 cents every).
Chase journey portal (1.25 cents every). Cash again and present playing cards (1 cent every). |
Chase journey portal, money again and present playing cards (1 cent every). |
| Standout advantages | Employee playing cards at no extra price.
Extended guarantee safety, buy safety and cellphone safety. Trip cancellation/interruption insurance coverage and auto rental collision harm waiver. |
Employee playing cards at no extra price.
Extended guarantee safety and buy safety. Auto rental collision harm waiver. |
For extra particulars, try our full assessment of the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card.
Related studying: The energy of the Chase trifecta
Why pair the Ink Business Cash and the Ink Business Preferred playing cards
Seeing their perks listed facet by facet, you could have already got realized why the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card are an important pair, however let’s break it down.
Turn your cash-back into factors
If you have already got the Ink Business Cash, you may add redemption choices and enhance your redemption charges by including Ink Business Preferred to your pockets. This is as a result of cash-back rewards earned by the Ink Business Cash Card might be converted to Chase Ultimate Rewards factors when you will have a card that earns Chase Ultimate Rewards factors.
By changing the cash-back rewards in your Ink Business Cash to Ultimate Rewards factors on the Ink Business Preferred, you improve the speed at which you’ll be able to redeem via the Chase journey portal from one cent per level to 1.25 cents per level. And you unlock 1:1 transfers to lodge and airline companions, comparable to Hyatt and United.
Related studying: How to maximise your Chase Ultimate Rewards factors
Boost your incomes on workplace provides, web and fuel
If you have already got the Ink Business Preferred, you may enhance your Chase Ultimate Rewards incomes fee with out incurring extra annual charges by including the no-annual-fee Ink Business Cash to your pockets.
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If your small business doesn’t spend cash at workplace provide shops or on web, cable and cellphone companies, and already earns greater than a 4% return at fuel stations and eating places, the Ink Business Cash Card received’t be significantly helpful. However, most companies that have already got the Ink Business Preferred Card will discover that including the Ink Business Cash Card to their pockets will improve their earnings.
Related studying: The finest playing cards for every enterprise bank card class
Alternatives
Add the Ink Business Unlimited: Many companies with ample non-bonus-category spending could discover it helpful to additionally add the no-annual-fee Ink Business Unlimited® Credit Card to their pockets to earn 1.5% cash-back rewards on each buy (which may turn into 1.5 Ultimate Rewards factors when paired with a card that earns Ultimate Rewards factors).
Add a no-annual-fee private card: It could make sense so as to add no-annual-fee Ultimate Rewards shopper playing cards such because the Chase Freedom Unlimited® or Chase Freedom Flex℠to your pockets after you have the Ink Business Preferred Credit Card. This is very true in the event you’ll use these playing cards for enterprise bills or don’t thoughts transferring rewards earned in your private spending to your small business card’s Ultimate Rewards account.
Skip the Ink Business Preferred Card: If you have already got the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you could select to forgo the Ink Business Preferred Credit Card and simply gather rewards earned in your Ink Business Cash Card in your private card’s Ultimate Rewards account.
Consider Chase’s 5/24 rule: One closing consideration is the place you stand with Chase’s 5/24 rule. This rule means you typically received’t be authorised for many Chase-issued playing cards in the event you’ve opened 5 or extra private bank cards throughout all banks within the final 24 months. Although you’re unlikely to be authorised for many Chase-issued playing cards in case you are over 5/24, Chase-issued enterprise playing cards don’t depend towards your 5/24 depend. As a consequence, it’s typically finest to open the Chase-issued enterprise playing cards you need first earlier than transferring on to different playing cards.
Related studying: What to do after you attain 5/24
Bottom line
The Ink Business Preferred and the Ink Business Cash are robust sufficient alone to make our listing of finest enterprise bank cards, however they’re even higher when paired collectively. By holding each in your pockets, you may earn extra factors and have extra precious redemption choices than you’ll with simply one in every of them. Once you add this pair to your small business card technique, do not be stunned if it turns into your new favourite duo.
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Apply right here for the Ink Business Preferred Credit Card and the Ink Business Cash Credit Card
Additional reporting by Emily Thompson.