Double Duty Daddy

The Most Lucrative Points Earning Credit Card

Rarely do I write about credit cards on the blog because I believe it’s a individualized prescribed plan on which cards I’d recommend to you and I don’t want to deluge you with credit card products.

There is however one exception to the rule and that’s Chase’s Ink Plus Business card. This card is Chase’s top business credit card and earns Ultimate Rewards points with the ability to transfer them 1:1 to many leading airline and hotel programs, including United, British Airways (for AA flights), Southwest, Marriott, and Hyatt.

60,000 Chase UR points after $5,000 spend in first 3 months is the current great offer.

60,000 Chase UR points after $5,000 spend in first 3 months is the current great offer.

If you have a legitimate business, this card is a no-brainer. If you don’t, it’s still practically a no-brainer. For my money, it’s the best business credit card on the market. As far as point accrual potential, IMO it’s better than the American Express Gold and Platinum business versions and probably the best card out there.

You may be asking yourself, “What if I don’t have a legitimate business?” You can still be approved! I wrote about it here.

I got the Ink Plus and the now discontinued Ink Bold a few years ago for two separate “businesses”. Primarily I wanted to divide my “business” expenses from real estate and my ticket business and in turn, was able to accrue over 200,000 Chase UR points in the 1st year with both cards.

How did I earn so many points in the 1st year with ease? The Ink Plus spending category bonuses are superb. Take a look:

  • 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
    • My Ink Plus is linked to Comcast and AT&T for my cable, internet and phone bill. I sometimes may stop at Staples or Office Max and purchase gift cards for retailers I’ll be using anyway (gas stations) and accrue 5x per $1 thanks to the ‘office supply stores’ bonus category. Earning 5 points per $1 on these expenses is too easy. Too, too easy!
  • 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.
    • When the Chase Freedom’s  5x quarterly bonus category isn’t gas stations, I use my Ink Plus for all my gas purchases. That’s if I can’t get to an office supply store to get a gas gift card and earn 5x. Earning 2x per $1 is still very good.
  • Earn 1X point per $1 on all other purchases, with no limits on how much you can earn.
    • Earn 1x per $1 ANYWHERE. This is standard for most cards so nothing special here but if you’re the type that doesn’t like to have too many credit cards, the Ink Plus could be your primary card as you’ll earn as little as 1x per $1 and as much as 5 points.


Example of how your points can stack up very quickly with the Ink Plus:

Monthly cell phone bill: $100 (5x per $1) = 500

Monthly internet and cable bill: $200 (5x per $1) = 1,000

Monthly gas: $200 (2x per $1) = 400

Total Ultimate Reward points per month: 1,900


* Paying the monthly bills above for 8 months at this rate gets you 15,200 Chase Ultimate Reward points which is enough points to redeem for a night at the beautiful Andaz Papagayo in Costa Rica where we’ll be in April or Hyatt Regency Coconut Point Resort and Spa where I took my Mom for her bday weekend a few weeks ago. The best value of those 15,200 points are probably booking a flight with British Airways Avios for 7,500 each way. Places you can go for 7,500 points one-way are Miami to Turks and Caicos, New York to Bermuda, Los Angeles to Denver, just to name a few.

Conclusion: For my money, the Ink Plus is the best business credit card on the market and arguably, a top 3 credit card overall. I have the “set it and forget it” approach with the Ink Plus card because it’s linked to my cable, internet and phone bill where I earn 5 points per $1 on spend in those categories (plus office supply stores) and these points can be transferred to travel partners. For business owners, this card is a must-have. For everyone else, it deserves serious consideration in your wallet/purse.

P.S. I have no affiliation with Chase or any other bank. I only promote credit card products that I’m passionate about and have myself. If you are interested in applying for the Chase Ink Plus credit card, I’d love to provide you with a referral link. Simply provide your email and I’ll send it your way.


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