Ink Plus® Business Credit Card

If you’re looking for a business card that offers both extreme rewards and valuable perks, look no further than the Ink Plus® Business Credit Card. Not only do you earn one point per dollar spent on all purchases made with the card, but you also get the opportunity to earn an astonishing number of points in business-related bonus categories.

With the Ink Plus® Business Credit Card, you earn 5 points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, Internet, and cable TV services each year. But the bonus points don’t end there. Using your card, you’ll also earn 2 points per $1 on the first $50,000 spent in combined purchases at gas stations or hotel accommodations when purchased directly through the hotel.

A myriad of other perks also help this card stand out among other comparable business cards. Before we delve into all of the details, let’s start with the highlights, basic stats, and key promotions associated with the Ink Plus® Business Credit Card.

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    Ink Plus® Business Credit Card at a Glance

    • Great earning potential – Earn 5x points on the first $50,000 you spend at office supply stores and on cellular phone, landline, internet, and cable television each year.
    • Flexible options for business owners – Get employee cards for no additional charge and get no foreign transaction fees on purchases made abroad.
    • Excellent redemption options – Redeem your points for merchandise, gift cards, statement credits, or travel through the Chase Ultimate Rewards travel portal. You can also transfer points to popular loyalty partners like Hyatt, Marriott, Southwest Rapid Rewards, Ritz Carlton, and British Airways.

    Tips for Using the Ink Plus® Business Credit Card

    Since you earn at least one point per $1 spent on all purchases, this card should easily be your go-to card for everyday business spending. However, certain strategies can help you maximize the amount of rewards you earn.

    Use Your Card at Office Supply Stores

    With your Ink Plus® Business Credit Card, you will earn 5 points per $1 spent on the first $50,000 you spend at office supply stores and on cellular phone, landline, Internet, and cable TV services each calendar year. To get the most out of this promotion, use only this card for all of your purchases at office supply stores, whether your main purchases are office furniture, computer equipment, or coffee.

    Use Your Card for Hotels and Gas

    Since you earn 2 points per $1 spent on hotels you book directly and gas purchases, this is the perfect card for business-related travel. Make sure to use it when you travel for business or book hotel rooms for yourself or others.

    Use Your Ink Plus® Business Credit Card for International Travel

    With no foreign transaction fees, the Ink Plus® Business Credit Card is the perfect card to use when you travel abroad. Even better, you will continue to earn Ultimate Rewards points on all purchases you make overseas.

    Why You Might Like It

    • You travel for work and need a business card that comes with few restrictions but plenty of perks.
    • You’re a loyal Chase customer who has other cards that earn Ultimate Rewards points.
    • You want to earn flexible rewards that can be used in a number of ways.

    Why You Might Not Like It

    • Your business spending is so low that you can’t justify an annual fee.
    • You don’t spend any money on travel or at office supply stores.
    • You prefer rewards that are tied to a particular airline or hotel chain.

    Best Ways to Use It

    • Load up on points by using your card for travel and business purchases made at office supply stores.
    • Rack up points until you have enough to pay for your next vacation through the Ultimate Rewards website, where your can receive 20% off when you use points.
    • Consider pairing your card with the Chase Sapphire Preferred® Card which will allow you to earn Ultimate Rewards points on all of your personal spending as well.

    Ink Plus® Business Credit Card Details

    How It Works

    In addition to the excellent ongoing rewards you can earn with this card, you also have the opportunity to earn a signup bonus. The current offer is worth 60,000 bonus points after you spend $5,000 on purchases within three months of card ownership.

    With the discount you get for redeeming your points through the Chase Ultimate Rewards travel portal, your 60,000 points are worth a whopping $750 in travel – enough for a round-trip flight within the continental U.S. or several free nights at your favorite hotel.

    Using Chase Ultimate Rewards Points for Travel

    With the Ink Plus® Business Credit Card, you earn the ultimate travel currency: Chase Ultimate Rewards points.

    What makes these points so amazing is that they are both lucrative and versatile. Not only can you redeem your points for travel through the Chase Ultimate Rewards website, but you can also transfer them to a number of popular hotel loyalty and frequent flyer programs at a 1:1 ratio:


    • British Airways
    • Korean Air
    • Singapore Airlines
    • Southwest Airlines
    • United Airlines
    • Virgin Atlantic


    • Hyatt Gold Passport
    • IHG
    • Marriott Rewards
    • Ritz-Carlton Reward

    If you already belong to any of these programs, you know just how lucrative 60,000 points can be. In many cases, that’s enough points for round-trip airfare or several free nights in a top-tier hotel.

    While some people transfer all of their points to their favorite programs right away, others just transfer them in small increments as needed. And that’s yet another reason Ultimate Rewards points remain popular with those who use them; there are no commitments or stipulations. You can redeem or transfer points in any way that benefits you.

    Other Ways to Use Ultimate Rewards Points

    Chase Ultimate Rewards points can also be redeemed for gift cards that can be used at a number of popular retailers and restaurants. In most cases, gift cards cost one point per cent, meaning that a $25 gift card should cost 2,500 points.

    Beyond gift cards, you can also redeem Ultimate Rewards points for everything from merchandise to experiences. Offers through Chase Ultimate Rewards change all the time, so make sure to browse through your available options once you earn your signup bonus and have a healthy stash of points.

    Best Use: Pair With a Chase Personal Card

    Although your Ink Plus® Business Credit Card will be valuable in its own right, it becomes a force to be reckoned with when paired with another card that earns Chase Ultimate Rewards points. A good option is the Chase Sapphire Preferred® Card, which would allow you to rack up Ultimate Rewards points on your personal spending in addition to the points you earn for business purchases with your Ink Plus® Business Credit Card.

    Your points can go much further when redeemed for travel through the Chase Ultimate Rewards website or transferred to your favorite hotel loyalty program.

    Another benefit to having both cards is keeping your business and personal spending separate. Since your Ink Plus® Business Credit Card should be used for business expenses, owning a Chase Sapphire Preferred® Card would allow you to also earn points on your personal spending and combine the points. Chase will let you pool the points from both cards to one account which can simplify your rewards tremendously. And obviously, the more Ultimate Rewards points you have, the more options you will have when you go to book travel or redeem your points for gift cards or statement credits.

    Other Choices to Consider

    If you’re not sold on the Ink Plus® Business Credit Card, you can also consider the Ink Business Cash® Credit Card. It comes with similar features as the Ink Plus® Business Credit Card, but has no annual fee and fewer options when it comes to rewards.

    Beyond cards that offer Chase Ultimate Rewards points, there are also a ton of other different cards and rewards programs to consider. Before you make a decision, take some time to browse some of our other posts on popular credit cards offered to individuals and businesses.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Holly Johnson

    Contributing Writer

    Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.