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I’ve had both the Ink Plus® Business Card and Ink Bold® Business Card since shortly after they came out. I need to probably cancel one as I don’t need both indefinitely, but they were both fantastic to get and to keep due to their great earning potential. They both offer 50,000 Ultimate Reward points after you spend $5,000 in the first three months, and then award 5x Ultimate Reward points on bonus categories such as office supply stores, cell phone expenses, landline, internet, and cable TV services. Do the math, and I bet that means thousands of bonus points per month for most. As many of you likely know, Ultimate Reward points can be transferred to valuable hotel and airline partners on a 1:1 basis. Some of these hotel and airline transfer options include United, Hyatt, British Airways, Southwest, Marriott, IHG Rewards, and more.
As I mentioned, I already have both cards, but my husband has had neither thus far. He has lots of small businesses, and/or small businesses he wants to get going, so at least one of these cards sounds perfect for his American entrepreneur spirit and endeavors so he can keep those expenses separate from our personal expenses.
I got my first small business card using this blog as my small business years ago, and that was way back when it truly was a very, very small business. I did have to chat on the phone with Chase for a bit before my application was approved, but in the end it was all worth it. The type of small businesses that many have that might warrant needing a small business credit card to organize expenses including selling various products, having a small photography service, dog walking gigs, being a fishing guide, or running a for-profit website (like a blog). You don’t need to be running a small restaurant or similar brick and mortar business to need a small business credit card, but of course you do need to be running a small business of some sort. You also don’t need a tax ID number – you can just use your SSN.
All that being said, my husband is about to pull the trigger on the Ink Plus for his sole proprietor small business needs and I’m excited for his first step into the world of small business credit cards. There are so many small business cards that provide great mileage and point earning opportunities, and it would be s shame to miss out on all of them! Everyone’s needs and goals are different, but I can’t think of a better card for him to start with. Fingers crossed for him and the 50k Ultimate Reward sign-up bonus that comes with the Ink Plus! I’ll keep you posted on how it goes.
Have you ventured into the world of small business reward credit cards? If so, what has your experience been like?
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