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Reward credit cards are a great way to earn cash and travel from day-to-day spending – as long as you always pay your balance in full and on time.
When you use a credit card for business expenses, the rewards can be even greater. Just last week, I analyzed Chase’s Ink Bold Card with Ultimate Rewards that meets this need – but it’s only a charge card. That means cardholders must pay the balance in full. But now businesses that want to carry a balance but still earn rewards can sign up for Chase’s Ink Plus Business Card
- Earn up to 50,000 Ultimate Rewards points as a sign-up bonus – 25,000 with your first purchase and 25,000 after spending $10,000 within the first three months.
- Earn points from spending. Ink Plus returns a remarkable 5 points per dollar (up to $50,000 per year) spent at office supply stores and on cellular phone, land-line, Internet, and cable TV services. Two points per dollar spent are earned at gas stations and hotels, while 1 point per dollar is earned on most other purchases.
- Use Ultimate Rewards points for travel. These points are worth 1 cent each as a statement credit. Or you can transfer them to the programs of United, British, Korean, or Southwest airlines, as well as several hotel programs.
- Introductory financing. New cardholders receive zero-percent APR promotional financing on both new purchases and balance transfers for six months. After that, the standard APR is 13.24 percent.
- No foreign transaction fees. Many cards charge 3 percent on transactions processed outside the United States.
- Airport business lounge access. This card comes with a Lounge Club membership that’s good for two free visits to eligible business lounges, and discounted admission thereafter.
- Annual fees. There’s a $95 annual fee that’s waived the first year. This is pretty reasonable considering all of the benefits, but there are other quality reward cards without any annual fee.
- Limited point-transfer partners. The Ultimate Rewards program is good, but cards with American Express’ Membership Rewards and the Starwood Preferred Guest program offer more airline transfer partners.
Get it if: You’re looking for the maximum number of Ultimate Rewards points from your business spending.
Forget it if: You don’t want to have an annual fee or you never want to carry a balance.
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