Chase Ink Business Cards vs Personal Chase Cards
Same points, strong earners
The Ink Business Preferred, Ink Business Cash, and Ink Business Unlimited all earn Ultimate Rewards that pool with your personal Freedom and Sapphire cards. The no-fee Inks are superb earners, 5% on office supplies and internet and phone on the Ink Cash and a flat 1.5% on the Ink Unlimited, that feed a Sapphire for transfers. See the Chase ecosystem guide.
Ink cards and 5/24
Most Chase business cards do not report to your personal credit, so opening an Ink usually does not add to your 5/24 count, a way to keep earning Ultimate Rewards even after five personal cards in 24 months. The catch is that Chase still requires you to be under 5/24 to be approved for an Ink, so get them before you cross the line. See do business cards count toward 5/24.
The Ink Business Premier exception
The Ink Business Premier looks like an Ink, but its rewards are cash back only and do not transfer to Chase travel partners. It is a flat-rate cash card built around big purchases, not a transfer card, so do not buy it expecting to pool points into a Sapphire.
Frequently asked questions
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