Best Travel Credit Cards – November 2018: Take $4,000 Business Class Flights, Trips to Hawaii, and More!

By | Posted:

Check out our carefully researched list to find the best travel credit card your situation.  With the best credit card offers right now you can earn $1,000s worth of luxury flights and hotels!  Or if you prefer cash back, we found an offer worth $800!

I Flew to Europe Using Chase Ultimate Rewards Points From the Chase Sapphire Preferred to See the Magical Mountaintop Castles of Portugal!

Seeking the Best Travel Credit Card?

Here at Million Mile Secrets we constantly track down the best credit card rewards for you.  We reveal the real deals and toss away the junk.  And we’ll tell you which credit cards we use personally!  For instance, I love using 3 of the credit cards below.  I’ll tell you which!

Best Credit Card Offers

How We Select the Best Credit Cards for Travel

You know how you get credit card offers in the mail and throw them away?  Not us!  We open them all, excitedly run to get our magnifying glass, and read the fine print!  And we spend all day looking for new credit card offers online.  Then we dive in to calculate the true value of the offer.

We let you in on the secrets that the airlines, hotels, and cruise ship companies do NOT want you to know! 

Credit card intro bonuses are the fastest way to earn big travel rewards WITHOUT spending a ton of money.  But here’s the thing — you have to know the smart ways to use these bonuses.  That’s how we help you.  We make it easy.

I'm in a Huge Hot Tub With an Amazing View of the Warsaw Palace of Culture at Night
I Used Credit Card Travel Points to Stay at This Hotel in Europe!

We examine the…

Bonus Offer:   Credit card companies profit each time you use their card and when you pay them interest (so pay those bills on time!)  Like any business, they want more customers.  So they create offers where you can earn a serious stash of miles or cash when you first open your new card.  Some bonuses are VERY appealing — while others are not!  We sort it all out for you.

Minimum Spending Requirement:   Here’s the “catch.”  To earn the intro bonus, you must spend a certain amount using your new card within a certain time frame.  We like reasonable spending requirements that make it easy to get your bonus.  We do list cards with bigger requirements but ONLY if the reward is huge.

We love seeing how regular people like you get to travel First Class, stay in amazing hotels, or earn lots of cash using our insider tips.   For example, our reader Lori is an English teacher who took a $30,000+ trip to Asia for only $500.  Like me, she’s a big fan of the Chase Sapphire Preferred card.  And she took it on her epic adventure to Thailand, Vietnam, and Hong Kong.  (You can see all our Reader Success Stories here.)

Ongoing Bonus Opportunities:   We prefer travel credit cards that KEEP rewarding you, even after you earn the initial big welcome bonus.

Benefits:   Airport lounges with complimentary food and alcohol, no foreign transaction fees, and TSA PreCheck are some of my favorite perks that save money AND time.

Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
Did You Know? With Just a Single Credit Card Intro Bonus Your Can Get Earn $1,000s Worth of Free (and Fancy!) Travel

Million Mile Secrets readers and team members make the most of the best credit card offers to get Big Travel with Small Money.  And redeem miles & points to travel cheaply to destinations like Disney World, Europe, Japan, New Zealand, and many others!

Want to see what it’s like when you master the Million Mile Secrets?  Here is a video of team member Keith:

Always wear your seat belt and always be responsible with credit!  If you’re new to rewards credit cards, be sure to read our post with myths associated with applying for new cards.  Many folks are pleasantly surprised to discover it’s possible to keep 20+ credit cards open AND maintain an excellent credit score!  This is my exact situation.  My score is still excellent because I always pay my bills on time.

And remember, you shouldn’t necessarily shy away from credit cards with annual fees.  Many of the best credit card offers have annual fees, but terrific ongoing perks (like annual travel credits!) that can easily offset the expense!  When I first started out, I really didn’t like the idea of an annual fee.  So I started out with no annual fee cards like Ink Business Cash.  But now I do the math to decide when a “premium” card is worth it.

Best Business Credit Card:   Chase Ink Business Preferred

 

The Official Offer:   Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.

And that means?  This is a fantastic sign-up bonus and a big reason why the Chase Ink Business Preferred is our #1 pick!

Team member Keith used it to book a Business Class award flight to New Zealand worth more than $4,000!

If you like cash back, the 80,000-point bonus offer is $800.

And there is a useful option in between simple cash back and awesome award flights.  You can use your Chase Ultimate Rewards points in the Chase Travel Portal (it looks and works just like Expedia or Orbitz) to quickly book travel with no blackout dates.  Your Chase Ultimate Rewards points with the Chase Ink Business Preferred are worth 1.25 cents each instead of 1 cent each.  So the bonus brings you $1,000 worth of airfare, hotel stays, car rentals, and more.

Note:   I’ve found flights to cost the same as when I book on other travel sites.  Hotel stays are also usually very close in price.  For car rentals, shop around.  But the Chase portal does often have the best price too.

But tell me more about that $4,000 flight:   With the Chase Ink Business Preferred card you can send your Chase Ultimate Rewards points to travel partners.  For example, you can move your 80,000 Chase Ultimate Rewards points to become 80,000 United Airlines miles or 80,000 Hyatt hotel points.

So what does that all mean exactly?  Well… 60,000 United Airlines miles is enough for a one-way Business Class flight to Europe from the US.  60,000 United Airlines miles is also enough for a round-trip flight to Europe in economy class.  You’ll be earning Chase Ultimate Rewards points on all your spending.  So as you stack points, you get closer to your dream trip.

On a sunny day I'm standing in front of a low brick wall overlooking the blue Northern Irish sea and ruins of a gray Medieval castle that was part of the Game of Thrones television show that sits on lush green land
Medieval Dunluce Castle in Northern Ireland — Or as I Prefer to Call It, House Greyjoy From Game of Thrones! Experience Europe by Using Chase Points Instead of Cash to Fly There

Another cool thing is just because you move your points to United Airlines does NOT mean you have to fly on United Airlines!  United Airlines lets you use their miles to fly on their cousin airlines in the Star Alliance such as Air New Zealand, SWISS, Singapore Airlines, Thai Airways, and more!

Ongoing Earning Potential:

  • 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • 1X Chase Ultimate Rewards points on all other purchases

Examples of what counts as “travel” and earns triple Chase points:

Toll bridges & highways
Parking lots & garages
Airlines (including tickets, baggage fees, change fees, etc.)
Hotels, Motels, Timeshares, Campgrounds
Vacation rentals like Airbnb
Car rental agencies
Cruise lines
Travel agencies
Discount travel sites like Travelocity and Expedia
Trains like Amtrak, subway, and metro tickets
Buses like city bus tickets, Greyhound, Megabus
Taxis, Limos, Ride-sharing services like Uber and Lyft
Ferries

Using Your Points:   You’ve got 3 great options.

1.   Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott (which is connected to Starwood), Singapore Airlines, and more!

2.   Use your Chase Ultimate Rewards points in their travel portal.  This is quick and easy.

3.   Cash back.

Perks:

Cell Phone Protection:   You get up to $600 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your Chase Ink Business Preferred credit card.   There are a maximum of 3 claims in a 12 month period with a $100 deductible per claim.

The cell phone insurance perk actually works!  Team member Keith filed a claim online and received an $85 reimbursement after he paid to replace his shattered iPhone screen.

Extended Warranty:   When you buy items with your Chase Ink Business Preferred, they add 1 extra year when the warranty is 3 years or less.

Note:  The extended warranty protection is up to the amount charged to your card less shipping and handling fees, with a maximum of $10,000, and no more than $50,000 per calendar year.

Rental Car Insurance:   Cardholders are covered when you rent a car with your card and decline the car rental agency’s collision damage waiver.

Rental car insurance is primary when renting for business purposes in your country of residence or outside of the country.  Otherwise, this coverage is secondary.  You’d be shocked at what they try to charge you for a minor ding or scrape.  This built-in insurance can save you a lot of money and headaches.

Baggage Coverage:   If your baggage is delayed for more than 6 hours, you could be reimbursed for emergency purchases of essential items (i.e. clothing, toiletries, cell phone charging cables, and more)

You can get up to $100 per day for a maximum of 5 days.

Lost Luggage:   This benefit covers the cost to repair or replace lost luggage and personal items inside.  You can be reimbursed up to $3,000 per person each trip with a limit of $500 for items such as jewelry and electronics.

Trip Delay Protection:   If your trip is delayed for more than 12 hours, you could be reimbursed for up to $500 per ticket for reasonable expenses (meals, lodging, toiletries, medication, and other personal use items).

No Foreign Transaction Fee:  I refuse to use any credit card outside that US the hits you with an international fee.  The Chase Ink Business Preferred doesn’t do that to you.

Employee Cards at No Additional Cost:   By adding employee cards to your account, you can set individual employee spending limits for greater control and earn rewards faster.

Do you qualify?   This is a small business credit card but you might qualify without realizing it.  You can apply with your social security number as a sole proprietor of a for-profit business.  Check our step-by-step guide to completing a Chase business card application.

Note:   Chase will NOT approve you for their Ultimate Rewards points earning cards if you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and these other business cards).  So be sure to get the Chase credit cards you want before you’re over the limit.

Is the Chase Ink Business Preferred Worth the Annual Fee?   Yes.  It’s $95 for all the above.  It’s a no-brainer.

Chase Ink Business Preferred Bottom Line:   You can’t go wrong with this card.  It’s impossible.  In the absolute worst case, you earn the sign-up bonus and take home $800 minus the annual fee.  Best case, you are flying to your dream destinations and sleeping on 1,000-thread-count sheets at luxury hotels.

Apply here:   Chase Ink Business Preferred

Best Travel Credit Card:   Chase Sapphire Preferred Card

The Chase Sapphire Preferred is the #1 card we recommend for beginners in the miles & points hobby.  I’ve had this credit card for many years and I take it on all my trips.

The Official Offer:   When you sign-up, you’ll earn 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months of opening your account.

Yeah, and that means?

To get big-time travel, you want to book what’s known as an “award flight.”  You can transfer your Chase points to various airline partner loyalty programs at a 1:1 ratio.  One Chase point will convert to one partner airline mile.  For example:

You’ll have at least 54,000 Chase Ultimate Rewards points (because you earn points on the $4,000 minimum spend too).  Here are just a few of your many options:

  • 60,000 United Airlines miles to fly round-trip to Europe
  • 60,000 United Airlines miles to fly Business Class one-way to Europe or 70,000 miles to fly on their partner airlines (Whoa.  That would cost ~$4,000 if you paid cash!)  I just did this maneuver.  I had a stash of 140,000 Chase Ultimate Rewards points built-up from sign-up bonuses and regular spending.  And I moved them to United Airlines.  And that gave me access to United Airlines’ cousin airlines to fly Business Class round-trip to Europe.
  • 35,000 United Airlines miles to fly round-trip to the Caribbean or Central America.  Meghan on our team did this to save $700+ on a fun last-minute trip to explore beautiful Belize!
Scott using his Chase Sapphire Preferred credit card points to hike the beautiful mountains and lakes of Poland
I Used Points From My Chase Sapphire Preferred Credit Card to Fly Business Class to Europe and Explore Morskie Oko in the Tatra Mountains

Or you can redeem the sign-up bonus for $500 in cash back or $625 in travel when you book through the Chase Travel Portal.  You’ll get potentially much more value if you transfer points directly to airline and hotel partners, like Hyatt.

Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
Hyatt Is One of Our Favorite Chase Transfer Partners Because You Can Redeem Points for Free Nights Even at Their Most Luxurious Hotels, Like the Hyatt Regency Maui Resort & Spa!

Ongoing Earning Potential:

  • 2X Chase Ultimate Rewards points per $1 spent on travel and dining
  • 1X Chase Ultimate Rewards points on all other purchases
Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
I Count Points, Not Calories! With My Chase Sapphire Preferred, I Deliciously Earned Double Chase Points (and a Double Chin) for Eating Nutella French Toast

Examples of what counts as “travel” and earns 2X Chase points:

Toll bridges & highways (this is how folks in New York City earn millions of miles, ha!)
Parking lots & garages
Airlines (including tickets, baggage fees, change fees, etc.)
Hotels, Motels, Timeshares, Campgrounds
Vacation rentals like Airbnb (I’ve earned double points everywhere from Cancun to Krakow this way)
Car rental agencies
Cruise lines
Travel agencies
Discount travel sites like Travelocity and Expedia
Trains like Amtrak, subway, and metro tickets
Buses like city bus tickets, Greyhound, Megabus
Taxis, Limos, Ride-sharing services like Uber and Lyft (double points to the airport!)
Ferries (random travel tip: Ferry from Helsinki to Tallinn in Estonia to experience their Old Town)

Using Your Points:   You’ve got 3 incredible options.

1.   Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott (which is connected to Starwood), Singapore Airlines, and more!

2.   Use your Chase Ultimate Rewards points in their travel portal.  This is quick and easy.

3.   Cash back.

Options 2 and 3 are super simple and satisfying.

Option 1 takes a bit of learning but results in amazing experiences — the kind that give you a feeling of sticking it to “the man” and feeling superior over all your former friends who you are now too cool to associate with.

Chase Ultimate Rewards points transfer at a 1:1 ratio directly to the following airlines:

  • Singapore Airlines (This is how you fly to Australia in First Class in an actual bed)
  • Aer Lingus (Ireland!)
  • British Airways (This is the secret to cheap flights to Hawaii from the West Coast and cheap flights within Europe and Asia)
  • United Airlines (This is how I fly to Europe.  And I don’t fly on United Airlines, I use their partners)
  • Flying Blue (KLM & Air France)
  • Iberia
  • Southwest (No blackout dates + 2 free checked bags)
  • Virgin Atlantic
  • JetBlue (No blackout dates + the most legroom in coach)

And they transfer to these hotel programs:

  • Hyatt (the BEST use of your Chase Ultimate Rewards points for hotels.  This is how I stayed at the Hyatt Zilara all-inclusive on the beach for $0 per night instead of $500 per night.  I was very happy sipping margaritas while in the pool that overlooked the ocean)
  • Ritz-Carlton
  • Marriott
  • IHG (they have brands you know like InterContinental, Crowne Plaza, Staybridge Suites, and Holiday Inn)
Chase Sapphire Preferred is the best travel credit card for people new to using miles for travel. Here I am using it to pay for delicious frosty cocktails on the warm beaches of Europe in summer
Using My Chase Sapphire Preferred® Card, I Got a Free Business Class Flight to Europe This Summer!

Perks:

Primary car rental insurance: Covers damage due to theft or collision to your rental car, when you pay for the rental with your card.

Trip delay reimbursement: Get up to $500 back per ticket when your trip is delayed more than 12 hours or requires an overnight stay for expenses such as meals and lodging (because they may not reimburse you for your usual snack of Beluga caviar, stick to the store-brand caviar)

Extended Warranty Protection: Extends the time period of the US manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less

Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.  (So when the airline stinks, you don’t have to.)

When you’re approved, be sure to read the full details in the Guide to Benefits.

No foreign transaction fee:  Hooray!  That’s why I take my Chase Sapphire Preferred everywhere I travel.  It’s a Visa credit card so it’s accepted just about anyplace and there are no nonsense international fees.

Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
On the Beaches of Mexico, I Had No Problemo (That’s Spanish) Using My Chase Sapphire Preferred to Earn 2X Points at Restaurants With No Foreign Transaction Fees

Is the Chase Sapphire Preferred Worth the Annual Fee:   The $95 annual fee is waived the first year, which means you can use the card for free for ~11 months.  Then, decide if you like the benefits enough to pay the annual fee.  I’ve paid this fee year after year, because for me, it’s totally worth it.  (If you do decide to cancel, it’s seriously hassle-free.)

Do you qualify for the Chase Sapphire Preferred ?  

Chase has the final say.  Here are guidelines:

You have the best chance of being approved when you have excellent credit.  Your score is likely high enough if it’s 750+.  I wouldn’t recommend applying if your score is below 725, although you never know.

There are other factors Chase will use to determine if they want to allow you to have this metal credit card.  They may consider your income, your banking relationship with them, etc.  Again, this is Chase’s card and they make the final determination on whether or not to let you have it.

That said, they created this card and bonus for a reason.  So don’t be shy!  When I was approved for my Chase Sapphire Preferred I had an 800 credit score (still do) and a middle class income.

Important:

If you’re in one of these 2 categories, you very likely will NOT be approved for the Chase Sapphire Preferred:

1. You have opened 5+ new credit cards from any bank within the past 24 months.  But wait, this does NOT count small business cards from American Express, Bank of America, Chase, Citi, and Wells Fargo.

2. You already have a Chase Sapphire Preferred OR a Chase Sapphire Reserve card.

Chase Sapphire Preferred Bottom Line:   This is our #1 pick for people who are beginners to travel credit cards and airline miles and points.  This was my first “premium” travel credit card and I still have it and use it to this day.

Apply here:   Chase Sapphire Preferred

Best Southwest Airlines Bonus: Southwest Rapid Rewards Premier Business Credit Card

Apply here:   Southwest Rapid Rewards® Premier Business Credit Card

Read our full review of the Chase Southwest Premier Business Card

The Official Offer:   Earn 60,000 Southwest points after spending $3,000 on purchases in the first 3 months of account opening.

This is the highest sign-up bonus we’ve seen on the card.

And 60,000 Southwest points means what exactly?

~$900!  Because in our experience booking flights, 1 Southwest point generally maps to ~1.5 cents.

Two amazing things about Southwest points:

1 – no blackout dates or funny business.  If the flight still has seats for sale, you can book it with points.

2 – We consider the Southwest Companion Pass to be the best deal in domestic travel.  Your designated travel companion flies free with you on all your Southwest flights.  These 60,000 points will get you over half-way to the 110,000 Southwest Companion Pass qualifying points you need to earn in one calendar year to get the Pass.

Keith and his wife using the Southwest Companion Pass that they earned with credit card points
Whenever Team Member Keith Books a Flight on Southwest, His Wife Can Join Him for Free!  That’s Because He Earned the Companion Pass With Credit Card Points

Southwest has other great perks:

  • You get 2 free checked bags on every flight
  • You do NOT pay change or cancel fees on paid or award flights
Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
Because Southwest Has No Blackout Dates, It’s Easy to Redeem Points for Flights to Destinations Like Los Cabos, Mexico!

Ongoing Earning Potential:

  • 2 Southwest points per $1 on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
  • 1 Southwest point per $1 on everything else
  • 6,000 Southwest points after your cardmember anniversary (Keith says that’s enough for him to fly from the Los Angeles area to Las Vegas, San Francisco, or Portland whenever Southwest has one of its frequent fare sales)

Lost Luggage Reimbursement: If you or your immediate family members’ checked or carry-on bags are damaged or lost, you’re covered up to $3,000 per passenger when you pay with the card.  Now that’s peace of mind.  Unless you think too hard about who’s wearing your pants now.

Extended Warranty Protection: Extends the time period of the US manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.  I love earning points for a purchase AND having the warranty extended.

Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours up to $100 a day for 3 days

Purchase Protection:  Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Free Cards for your employees:  You’ll earn points for purchases they make on the cards

No Foreign Transaction Fee:  Hooray!  So when you fly Southwest to the Caribbean, you can bring your card and use it with none of those tacky tack-on fees that some cards add.

Do you qualify for the Southwest Rapid Rewards Premier Business Credit Card?  Yes, if you have a for-profit business.  It can be a small business of just you!  You’d just mark down sole proprietor on the application and use your social security number.  Keith was approved this way for his eBay reselling business.

But if you’re in one of these next 2 categories… sadness… you’re not eligible:

1. You have opened 5+ new credit cards from any bank within the past 24 months.  But this does NOT count small business cards from American Express, Bank of America, Chase, Citi, and Wells Fargo.

2. You already have the Southwest Rapid Rewards Premier Business Credit Card OR have earned the sign-up bonus in the past 24 months.

Is the Southwest Premier Business Card Worth the Annual Fee?   Yes.  The $99 annual fee is more than fair for $900 worth of flights!  Plus you get all the perks listed above.  And the bonus points on your card anniversary can help to offset the annual fee.

Southwest Premier Business Card Bottom Line:   We recommend this credit card for anyone who would fly on Southwest.  And it’s an especially awesome card for those of you who travel with a partner because of the opportunity to earn the lucrative Companion Pass!

For a long time I resisted flying on Southwest because I thought it’d be a bad experience.  I was wrong!  I’ve flown Southwest to Cancun and a few times in the US so far and it’s all been pleasant.

Apply here:   Southwest Rapid Rewards® Premier Business Credit Card

Best Business Credit Card With No Annual Fee + 5% Categories: Ink Business Cash℠ Credit Card

Apply here:   Ink Business Cash℠ Credit Card

Read our review:   Biggest No-Brainer Deal of the Year: $500 Cash Back (50,000 Chase Ultimate Rewards Points!)

 

With the highest-ever Ink Business Cash sign-up bonus, you’ll earn $500 cash back (50,000 Chase Ultimate Rewards points!) after spending $3,000 on purchases in the first 3 months of account opening.  Earning $500 in cash from a card with no annual fee is an AWESOME deal!

It also comes with:

  • 5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
  • 2% cash back (2X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1X Chase Ultimate Rewards point) on all other purchases
  • Primary car rental insurance (CDW) when renting for business purposes, covering damage due to collision or theft to your rental car when you pay with your Chase Ink Business Cash card. Secondary coverage when renting for personal reasons

Million Mile Secrets team member Keith has kept this card in his wallet because it has no annual fee.  He uses it to earn 5% cash back (5X points) at Staples when shopping for his eBay drop shipping business.

And I’ve kept my Ink Business Cash card for many years because I earn 5X points on my monthly internet bill and 2X points at restaurants.  Liquid Hint:   Many times your business cocktails and networking wine earn 2X points too!  Because bars and lounges often code as restaurants to the credit card company.

Using Your Points:  If you ONLY have the Chase Ink Business Cash credit card, you’ve got one option: cash.  However, if you ALSO have the Chase Ink Business Preferred (yes, you can own both cards) OR the Chase Sapphire Preferred OR the Chase Sapphire Reserve you now have travel superpowers.

Because you can lift all the points you earn with your Ink Cash above your head, create a impressive fiery orb, and hurl them over to one of those “premium” cards.  And from there you have access to all the travel partners I talked about in the Chase Ink Business Preferred section!

Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
I Took This Photo of the Infinity Pool While Staying at the All-Inclusive Hyatt Zilara in Cancun. Not Bad! I Paid $0 for the Stay Because I Moved the Points I Earned With My Chase Ink Cash to My Chase Sapphire Preferred. And From There I Transferred Them to Hyatt to Get My Free Stay

Perks:   Primary rental car insurance (when renting for business purposes), extended warranty, delayed baggage, and lost luggage protection.

You can check all the details of the fantastic benefits when you get to the Ink Cash card offer page.  But I’ll give you a real-life example.  I walked into my local Staples ready to make a significant purchase.  Naturally I was prepared with my Ink Cash business credit card because with it I earn 5X points at office supply stores such as this.  I made my significant purchase.  And that’s when it happened.

The sales person pitched me about the, you guessed it, the dreaded extended warranty.

He said, “You fool!  You’re about to pay big bucks for your significant purchase yet you won’t pay this relatively tiny amount to protect your investment for an extra year?” 

I inhaled my Zen.  And exhaled, “Nah.  I’m good.” 

He dug in.  “How could you be so feckless… so irresponsible… have you no regard for society?!” 

But his pleas for extra cheese were for naught.  For I own, behold!… the Ink Business Cash credit card!  And it adds an extra year to the warranty.  Be gone, extended-warranty-pusher!

Is the Chase Ink Business Cash Worth the Annual Fee?  Yes.  Because there is no annual fee!  But this card DOES charge foreign transaction fees, which is why I use my Chase Sapphire Preferred when I travel abroad.

Chase Ink Business Cash Bottom Line:   I use this business credit card all the time.  It costs $0 to own.  Enjoy.

Apply here: