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Chase Ink Plus Credit Card: Why You Should Get It Now

Feb. 27, 2015
Business Credit Cards, Credit Cards, Small Business
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  • Ink Plus® Business Credit Card

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Aw nerds! The Ink Plus® Business Credit Card is no longer being offered. Check out the new Ink Business Preferred℠ Credit Card.

Small-business owners have to make a lot of decisions, so here’s some advice that will make at least one choice easier. If you’re looking for a credit card, the Nerds have a recommendation: the Ink Plus® Business Credit Card. It’s one of our top picks among business plastic. Here are five reasons why:

1. It offers a stellar sign-up bonus.

Getting a new credit card is a chance to score a sign-up bonus, and on this front the Ink Plus® Business Credit Card delivers. Its signup bonus is: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

That’s a killer points windfall to get you started.

2. It earns Ultimate Rewards points.

Getting a boatload of sign-up points is exciting, but the type of points you’re earning with the Ink Plus® Business Credit Card should really get your motor running. This card earns Chase Ultimate Rewards points, which is one of the best rewards currencies available.

Ultimate Rewards points can be redeemed in a variety of ways, with travel being the best value. If you decide to cash in your points for a business trip, you’ll have two options: use your points to book directly through Chase, where the value of your points will go up by 25%,  or transfer your points to a participating frequent traveler program at a 1:1 ratio.

If you have other credit cards that earn Ultimate Rewards points (like the Chase Sapphire Preferred® Card) you can combine the rewards you’re earning between the two accounts. This will help you get to your next vacation or company retreat faster.

3. You’ll earn extra points in business-friendly categories.

In addition to a whopper of a sign-up bonus, the Ink Plus® Business Credit Card makes it easy to rack up points on your usual business spending. With it, you’ll earn:

  • 5 points per dollar spent at office supply stores and on cellular phone, landline, Internet and cable TV services (up to $50,000 in combined spending per year).
  • 2 points per dollar spent at gas stations and hotels (up to $50,000 in combined spending per year).
  • 1 point per dollar spent on all other purchases.

Using the Ink Plus® Business Credit Card for these common expenses will result in serious rewards accumulation, which makes purchasing just a little bit easier.

4. It charges no foreign transaction fees.

If business travel takes you overseas, the Ink Plus® Business Credit Card is a good card to take along. It charges no foreign transaction fees and comes EMV chip-enabled. This will make using your card abroad easy and inexpensive.

5. The annual fee is reasonable.

Business credit cards that earn primo rewards usually come with hefty annual fees. The Ink Plus® Business Credit Card comes with an annual fee of $95. Considering the size of the sign-up bonus and the accelerated points you’ll be earning, the Nerds think this is a reasonable price to pay.

For the right small business, the Ink Plus® Business Credit Card is the way to go.

Lindsay Konsko is a staff writer covering credit cards and consumer credit for
NerdWallet. Follow her on Twitter @lkonsko and on Google+.

Image via iStock.