Best Chase Credit Cards

Business

1. Ink Bold with 50,000 Ultimate Rewards sign up bonus

• Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening.
• No interest charges because it’s a pay in full charge card.
• Earn 5X points per dollar in select business categories.
• 1:1 point transfer to leading frequent travel programs.
• No foreign transaction fees
• Direct access to a live service advisor anytime.
• $0 Intro Annual Fee for the first year, then $95.

Link: Chase Ink Bold (business charge card)

Applying is quick and easy, and I explain how to do it in How to Be Approved for a Business Card. As soon as you apply, call Chase at 800-453-9719 to answer a few questions about your business and speed up approval.

Chase offers two similar business cards: the Ink Bold and Ink Plus. One major difference is that the Ink Bold is a charge card. You cannot carry a balance. The Ink Plus is a credit card. You can carry a balance and pay over time. Because they are different products, you can get both for your business.

Ink Plus with 50,000 Ultimate Rewards sign up bonus

• Reward yourself with 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
• With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full
• Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
• Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
• No foreign transaction fees
• Free employee cards
• 1:1 point transfer to participating travel programs with no transfer fees
• Get 20% off travel redemptions when booked through Ultimate Rewards.

Link: Chase Ink Plus (business credit card)

Personal

1. Sapphire Preferred with 40,000 Ultimate Rewards after spending $3,000 in the first three months

This is one of two cards I always carry with me, the other being the Ink Plus. I got it for the big sign up bonus–40,000 Ultimate Rewards, which is my favorite currency. I keep it for 2x points on dining and travel (airfare, trains, rental cars, taxis, parking, tolls, etc) and no foreign transaction fees.

• 40,000 Ultimate Rewards after spending $3,000 in the first three months. That’s $500 toward travel rewards.
• 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar on all other purchases.
• Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards
• No foreign transaction fees
• Receive a 7% Annual Points Dividend on all new points earned on purchases–even on points already redeemed
• 1:1 point transfer to leading frequent travel programs– United, British Airways, Korean, Virgin Atlantic, Southwest, Hyatt, Amtrak, and more–that means 1,000 Ultimate Rewards equals 1,000 partner miles/points
• Direct access to expert service advisors any time
• Introductory Annual Fee on $0 the first year, $95 thereafter

Link: Sapphire Preferred