Card Summary Table
- Card Provider
- Card Type(s):
- Card Focus:
- Car Rental Agencies
- Cell Phones / Landlines
- Internet / Cable
- Local Transportation
- Office Supplies
- Travel (General)
- Card Bonus & Info
- Earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months.
- Earn 3x points on the first $150,000 spent in combine categories of travel, shipping, Internet, cable, phone, and social media and search engine advertising each year
- Earn 1x points on all other purchases
- Points are worth 25% more in the Chase Ultimate Rewards travel portal
- Annual Fee
- $95 Annual Fee
- Rewards CenterChase Ultimate Rewards
- Goes Well With
- Foreign Transaction Fees$0
- Typical UsersBusiness Owners, Frequent Travelers, Hobby Travelers, International Travelers
- Customer Service Number
1- 800-935-9935 (Available 24/7)
- Login Link
- PartnersThe full range of Chase Ultimate Rewards partners: IHG Rewards Club, Southwest Airlines Rapid Rewards, Singapore Airlines KrisFlyer, Korean Air SKYPASS, Virgin Atlantic Flying Club, Hyatt Gold Passport, Marriott Rewards, United MileagePlus, The Ritz-Carlton Rewards, British Airways Executive Club, Air France / KLM Flying Blue
- Interest Rates ?
- 16.74% - 21.74% Variable
- Late fees ?
- Up to $39
- Balance Transfers
- 16.74% - 21.74% Variable
- Cash Forwarding
- 25.74% Variable
The Ideal Cardholder
Just because you’re a small business owner doesn’t mean you don’t have big expenses. So why not earn big points on the purchases you make every month to redeem for awards that can make your life easier?
With the Ink Business Preferred℠ Credit Card, you get points for all of your spending and even more in certain business categories where you probably tend to do the most spending!
Thinking of expanding your business? The right credit card can help cover those costs as well any unexpected business expenses.
Sign-Up Bonus and Earning Categories
Chase Bank’s latest premium business card, the Ink Business Preferred℠ Credit Card, replaces the Ink Plus Business Credit Card with a bigger sign-up bonus, revamped categories, and a higher cap.
Those who already have the Ink Plus Business Credit Card can continue to use it with the same benefits, or you can open an Chase Ink Business Cash℠ Credit Card, which has most of the same categories and earnings rates at no annual fee.
Meanwhile, the new Chase business card gives you a head start on building your Ultimate Rewards balance by offering a whopping sign up bonus after you spend the required amount in the allotted time (see card summary table above for details).
Then, earn 3x points on the first $150,000 you spend each account anniversary year in the following business-focused categories: travel, cable, shipping, Internet, phone, and advertising (on social media and search engines).
Note that travel categories under Chase include many things, but not gas stations: airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
Notably not covered are in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, and tourist attractions.
As a small business owner, these are the categories you’ll want for earning points! Plus, the points can help offset the card’s $95 annual fee.
The card earns 1x points on all your other purchases.
We should also note that office supplies are not one of the bonus categories for this new card. Instead, you’ll earn 3x points for shipping expenses. Again, using the Chase Ink Business Cash℠ Credit Card will cover office supplies and other categories.
Ink Business Preferred℠ Credit Card Business Benefits
Order employee cards at no cost and add their points to your balance. Encourage them to use the card for business purchases in the 3x categories to reap the rewards even faster.
In our Chase Ink Business Cash℠ Credit Card review, we discussed how you can sign up for multiple cards if you own more than one small business. Sign up under your social security number of business Employee Identification Number (EIN) and get the sign-up bonus each time!
In fact, if you and your spouse are both owners of the same small business, you can each apply for a card under your own social security numbers and pool your sign-up bonuses and future points!
Tools for Your Business
Chase offers several management tools for small business owners with the card.
For instance, the Mobile Ink App allows you to manage and track employee spending from your smartphone or other device. You’ll have the ability to fule receipts and receive instant purchase alerts with the app too.
Cell phones can be a headache for small business owners because they are expensive to replace and repair. Get peace of mind with the Cell Phone Protection coverage of up to $600 per claim against theft or damage. It covers you and employees listed on your monthly cell phone bill as long as you pay it with the card.
Since you also get 3x points to put your cell phone bill on the card, it’s a terrific benefit.
Keep in mind there is a $100 deductible per claim, and you can’t make more than three claims in 12 months.
The Ink Business Preferred reward card also comes with complimentary purchase protection and travel coverage. And if you fly internationally on business, you’ll enjoy that there are no foreign transaction fees for purchases.
Using Points With Chase Ultimate Rewards
Redeem points through the Chase Ultimate Rewards travel portal to get 25% more value for airfare, hotels, and car rentals. For example, 80,000 points are instantly worth $1,000 toward travel.
The card provides plenty of benefits on its own. However, you can also combine it with other Chase Ultimate Rewards credit cards (which we highly recommend!) like the Chase Ink Business Cash℠ Credit Card, Chase Sapphire Reserve℠ Card, Chase Sapphire Preferred® Card, Chase Freedom®, and Chase Freedom Unlimited℠.
The ability to pool points into your Chase Ultimate Rewards account means you’ll have enough for the best awards in the form of travel, gift cards, shopping, and more.
Compared to The Business Gold Rewards Card from American Express OPEN
Choosing between The Ink Business Preferred℠ Credit Card and The Business Gold Rewards Card from American Express OPEN because they both cover advertising expenses?
The Business Gold Rewards Card from American Express OPEN does earn 3x points for advertising (when you select “US purchases for advertising in select media” as your bonus category).
However, earnings for Membership Rewards points with the card are capped at $100,000. The Ink Business Preferred℠ Credit Card has a higher cap of $150,000.
In addition, The Business Gold Rewards Card from American Express OPEN has an annual fee of $175, although it is waived the first year.
Versus the Chase Ink Business Cash℠ Credit Card
When you use the Chase Ink Business Cash℠ Credit Card, you’ll earn at most of the same places as the Ink Business Preferred℠ Credit Card with a couple of differences.
First, instead of points, you’ll earn cash back instead of points, but it can still be used as statement credit or in the Chase Rewards travel portal.
Second, you earn 5% cash-back in combined purchases at office supply stores and on landline, internet, cable tv, and cellular phone services each anniversary year and 2% cash back at gas stations and restaurants, but only up to the first $25,000.
If you spend a large chunk of your budget on office supplies, restaurants, and gas the 2% to 5% cash-back can be a huge plus because the Ink Business Preferred℠ Credit Card doesn’t include them as bonus categories (although it does earn 3x points for shipping).
But again, the cap is very low when you compare the cards: $25,000 vs. $150,000.
Finally, the Chase Ink Business Cash℠ Credit Card has no annual fee plus a 0% introductory APR for 12 months on purchases and balance transfers.
If your business doesn’t spend enough to justify the $95 annual fee and you’ll take advantage of the intro APR, these are two attractive features.
In the end, choosing between the two cards depends on your business’ current situation and whether you want to pay an annual fee.
Card Review Conclusion and Final Thoughts
The main drawback of the card is that it doesn’t cover restaurants and dining expenses, which may be substantial for some small business owners.
However, you can get around that by using the Chase Sapphire Preferred® Card to earn 2x points on restaurant dining and pooling the points together.
Between the nice-sized sign-on bonus and higher cap, the Ink Business Preferred℠ Credit Card is a great option for small business owners who want to earn rewards for their spending.
Great Card If
- You are a small business owner who spends up to 150k a year on 3x categories
- You already own the Chase Sapphire Preferred® Card, Chase Freedom®, or Chase Ink Business Cash℠ Credit Card
- You and your employees travel frequently on business
Don't Get If
- You prefer not to pay an annual fee
- You spend a substantial amount of your budget on office supplies and dining
U.P. Pro Tips
The Ink Business Preferred℠ Credit Card offers a significant sign-on bonus. Don’t risk leaving them on the table! Make sure to spend the required amount on the card as soon as possible.
A new business owner probably won’t find it too difficult!
How to Use the Ink Business Preferred℠ Credit Card: The Upgraded Way™
Best Way to Maximize Points
There are many great ways to earn points through Chase Ultimate Rewards. The following are some ways to use your Ink Business Preferred℠ Credit Card to its greatest ability.
Tip #1: Keep track of the threshold
While it’s especially relevant when a card has a low maximum threshold for earning points in a category, it’s still a good idea to keep an eye on how much you are spending in the bonus categories. Once you go over a combined $150,000 the categories revert to 1x points.
Hot Tip: Chase makes it easy to keep tabs, especially with quarterly categories. Just log into your Chase account and click through to the Chase Ultimate Rewards site. You’ll see an estimate of how much you’ve spent in each category.
Tip #2: Put all of your business expenses on the card
The more you use the card for your business expenses — especially in the 3x points categories — the more points you will bank in your Chase Ultimate Rewards account. Remember, you get 1x points for all spending outside the bonus categories and this can add up rapidly.
Tip #3: Get your free employee cards
There’s no charge for employee cards and think about all of the expenses your employees can put on them!
Do they work from home? They can charge phone and internet bills for 3x points. Do they drive to meetings? They can charge gas. Whether they pay the bill or you reimburse them for the charges, you get the points!
Tip #4: Combine Chase Ultimate Rewards credit cards
We can’t say it enough. Combining Chase credit cards such as the Chase Ink Business Cash℠ Credit Card, Chase Sapphire Reserve℠ Card, Chase Sapphire Preferred® Card, The Chase Freedom® Card, and Chase Freedom Unlimited℠ can maximize the points you earn.
Use cards with bonus categories that earn the most points for the purchases you make and then pool all of the points in your Chase Ultimate Rewards account!
Tip #5: Shop the Chase Ultimate Rewards Mall
Earn 1x – 12x bonus points for items you buy from the almost 250 stores that make up the Chase Ultimate Rewards Mall. You must enter stores directly through the mall’s online portal to get the points!
Here is a sample of some of the the shopping bonuses you can get for your purchases. You can find a more detailed list in our Chase Ultimate Rewards Review.
|2x||Apple, Bed Bath & Beyond, Diapers.com, GiftCertificates.com.Microsoft, Sam’s Club, Walmart|
|3x||Dell, Living Social|
|4x||Aveda, Groupon, Vistaprint|
Tip #6: Refer-A-Friend for points
Check the Chase Refer-a-Friend site to see if you are eligible to refer the card to a friend for 5,000 or 10,000 points. If so, you’ll receive a special link to send. If they sign up, you get the points! Referral points max out at 50,000 a year.
Tip #7: Special promotions
Did you know in many cases it’s possible to increase your sign-up bonus if Chase increases the amount within 90 days of getting your card? Contact Chase and they will usually honor the better points deal.
Also be on the lookout for Chase offers and promotions worth extra points throughout the year!
Bonus Tip: Try your luck at earning 100k Chase points in just 3 months!
Best Way to Redeem Points
When it comes to redeeming points for rewards, the Chase Ultimate Rewards portal offers the most flexibility. You can use your points, transfer them between cards or redeem them for travel and shopping awards.
Don’t forget to pool your points from multiple cards for the most value! Here are some great ways to redeem your points from the Ink Business Preferred℠ Credit Card.
Increase the value of your points by 20% to $0.0125 each by booking travel awards with the card in the travel booking tool.
Only Chase Sapphire Preferred® Card or the Ink Business Preferred℠ Credit Card offer this special automatic discount.
However, the Chase Sapphire Reserve℠ Card offers a 50% discount!
Best of all, there are no blackout dates, and you can still earn frequent flyer miles with your loyalty program.
Chase Travel Transfer Partners
Chase has a variety of travel partners in the Ultimate Rewards program that typically offer redemptions at $0.02 or greater, depending on how you redeem.
Currently, the following airlines participate in the program: Air France, Korean Air SkyPass, British Airways, United Airlines, Singapore, Southwest Airlines, KLM, and Virgin Atlantic. Hotel partners include Hyatt, IHG Rewards Club, Marriott, and The Ritz-Carlton.
The following options are also available to redeem your points, but most offer a lower per point value of $0.01.
Option #1: Get statement credit
Transfer your earnings for statement credit from the Ultimate Rewards home screen. The minimum amount for a redemption is 2,000 points or $20.00.
Option #2: Direct deposit
Direct deposit is available from the same screen as statement credit. It may be considered income so check to see if it needs to be reported to the IRS.
Option #3: Redeem for a gift card
Redeem your points for gift cards from stores where you may already shop. While most gift cards offer a value of $.01 per point, there are some with better values. For instance, Kohl’s gift cards are available at a 10% discount or $0.011 per point, as we explained in our Chase Ultimate Rewards review.
We don’t recommend gift cards unless you can get a better rate than $0.01 and would only earn 1x points for shopping with your credit card.
Option #4: Shop Amazon.com
Amazon is a Chase Ultimate Rewards merchandise partner. You don’t have to go through the URs portal to use your points, which is convenient. However, points are valued at only $0.008 each.
Amazon allows you to combine points with other payment methods and you can link your Chase and Amazon accounts easily.
The card does not have any direct partners. However, the following partners participate in the Chase Ultimate Rewards program:
Airline Partners: Southwest Airlines Rapid Rewards, Virgin Atlantic Flying Club, Air France / KLM Flying Blue, Korean Air SKYPASS, British Airways Executive Club, United MileagePlus, and Singapore Airlines KrisFlyer
Hopefully, this review has helped you to understand your options for earning and redeeming points earned with the Ink Business Preferred℠ Credit Card.
Now let’s take a look at if the card is worth it from a small business perspective. We’ll start with a quick recap:
|Annual Fee||Travel, Shipping, Landline, Internet, Phone, Cable, Advertising* Purchases||All Other Purchases|
|$95||3x pts on first $150,000, then 1x pts after||1x pts|
*Advertising through Social media and search engines
A Small Business Budget
We will assume this business is a small local consultancy with a variety of expenses, including some travel. In this example, business is performed on cell phones not a landline and there is no need for cable, so we left those categories at zero.
Check out the estimated expenses below:
|Cell Phone||$2,400||Travel Expenses Related to Above||$2,000|
|Landline||$ –||Legal Fees||$10,000|
|Cable||$ –||Web Expenses (Including Dev)||$12,100|
|Gas Station||$5,200||Other Transportation||$500|
Ink Business Preferred℠ Credit Card Points
Now let’s calculate the total points earned by separating them into earning categories and total dollar spent throughout the year.
|Reward Earning Category||Total Dollars Spent||Total Points Earned|
In total, at this spending rate, you could earn 165,200 points. At a rate of $0.01 to $0.0125 per point, they would be worth $1,652.00 to $2,065.00. That’s a pretty good return for a card that only costs $95 per year, and that doesn’t include the sign-up bonus!
But what if you supplemented it with other cards to maximize the value?
Supplement with Chase Sapphire Preferred® Card
As you can see in the table, the Chase Sapphire Preferred® Card earns 2x points on dining expenses, a category not covered by the Ink Business Preferred℠ Credit Card.
|Category||Yearly Spend||Points Earned With Chase Sapphire Preferred® Card||Points Earned with Ink Business Preferred℠ Credit Card||Total Extra Points|
|Restaurants||$2,600||2x = 5,200||1x = 2,600||2,600|
Not only could the small business earn a sign up bonus with the Chase Sapphire Preferred® Card, but they would also earn 2,600 points more for restaurant spending.
The extra points aren’t worth a fortune, only $26, but the sign up bonus is worth much more!
Supplement with Chase Freedom®
While the Ink Business Preferred℠ Credit Card doesn’t earn bonus points for restaurants and gas stations, the Chase Freedom® card does– 5% quarterly.
By using the Chase Freedom® card for restaurants and gas stations, you can earn additional points.
Note: We had to add together two sets of numbers for each Chase Freedom® category because it earns 5x points for the first $1,500 and 1x points after that.
|Category||Yearly Spend||Points Earned With Chase Freedom®||Points Earned with Ink Business Preferred℠ Credit Card||Total Extra Points|
|Restaurants||$2,600||8,600 points||2,600 pts.||6,000 points|
|Gas Stations||$5,200||11,200 pts.||5,200 pts||6,000 points|
|Grand Total||12,000 points|
That’s an extra 12,000 points for a card with no annual fee! You could even use the Chase Freedom® card for restaurants up to $,1500 and then switch to the Chase Sapphire Preferred® Card for 2x points!
Of course, this is more complicated than other reviews because the card can be combined with other cards. We didn’t even count personal spending which brings a bigger boost in value!
And just a reminder: It’s important to do your own calculations to decide which card makes the most sense for your small business budget!
The Gritty Details: Everything Else You Need To Know
The beauty of the Chase Ultimate Rewards program is that if you have multiple applicable cards, they all show up on the main account overview page of the portal.
It is also where you can transfer points between cards and make redemptions to maximize the number of points you can work with.
When using the card, you can always check to see if you received the correct amount of points for purchases in the Ultimate Rewards portal as well.
Keep in mind you can’t earn points for traveler’s checks, money order, wire transfers and similar purchases.
Because there is so much information to remember with the program, you may want to check out our Chase Ultimate Rewards Review as well as the official Rewards FAQ on the Chase site.
Other Unique Features
The Ink Business Preferred℠ Credit Card offers complimentary benefits and insurances which we outline below.
Travel Accident Insurance – Pay for travel (air, bus, train, or cruise) with the card, and you are eligible for up to $500,000 in accidental death/dismemberment coverage.
Trip Cancellation & Interruption Insurance – The credit card issuer will reimburse you up to $5,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or interrupted by severe weather and other covered issues.
Trip Delay Reimbursement – Receive coverage for your family’s unreimbursed expenses up to $500 per ticket if your carrier delays travel more than 12 hours.
Trip Delay Reimbursement – Receive coverage for your family’s unreimbursed expenses up to $500 per ticket if your carrier delays travel more than 12 hours.
Trip & Emergency Assistance Services – If you run into trouble during your travels, call for emergency assistance including legal and medical referrals. You will incur costs of any services obtained.
Roadside Dispatch – Call 1-800-847-2869 for roadside assistance. Services will be billed to your credit card.
Auto Rental Collision Damage Waiver – Rent a vehicle for business purposes with your card and decline the company’s collision insurance for coverage up to the actual cash value in case of theft or collision damage.
Baggage Delay Insurance – Get reimbursed for “essential purchases” for baggage delays over 6 hours. The total benefit is up to $100 a day for 5 days.
Lost Luggage Reimbursement – Damaged or lost checked and carry-on bags are covered up to $3,000 per passenger.
Price Protection – Your new purchases are covered against damage or theft for 120 days. There is a maximum claim of $10,000 or up to $50,000 per account.
Return Protection – If the store doesn’t accept your eligible items for return within 90 days after making the original purchase, you can be reimbursed up to $500 per item and $1,000 per year.
Extended Warranty Protection – Your U.S. manufacturer’s warranty of up to three years is extended by one year.
Photo Credits/Credit/Copyright Attribution:
Busy Entrepreneur: alphaspirit/Shutterstock
Girl Opening Business: Dragon Images/Shutterstock
Paying for a Meal: Monkey Business Images/Shutterstock
Girl Holding Cards: Photographee.eu/Shutterstock
Chase Sapphire Preferred® Card
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
- Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
- No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
What is the Ink Business Preferred℠ Credit Card? Why should I get it?
The card offers small business owners the opportunity to earn points for spending in multiple categories.
Cardmembers earn 3 points per $1 for purchases up to $150,000 in categories such as travel, Internet, phone, cable, shipping, and advertising through social media and search engines. All other purchases are worth 1 point per $1.
Points can be redeemed through the Chase reward program portal for travel, gift cards, statement credit, direct deposit, or on Amazon.com.
Small business owners who don’t mind spending the $95 annual fee can also enjoy benefits such as free employee cards, cell phone insurance, and the Mobile Ink App for tracking spending.
The Ink Business Preferred℠ Credit Card and other Chase Ultimate Rewards credit cards can be used in combination to cover all bonus categories. Then points can be pooled into one Ultimate Rewards account for redemption.
Does the Ink Business Preferred℠ Credit Card have an annual fee?
The annual fee is $95.
Is the Ink Business Preferred℠ Credit Card a o% APR card?
No. The card has a Variable APR (See Issuer’s Terms).
What is the bonus for signing up for the Ink Business Preferred℠ Credit Card?
The sign-up bonus is shown in the above card summary table or below special offer.
What are the benefits of the Ink Business Preferred℠ Credit Card?
There are many benefits for cardholders including 20% flight discounts and 25% more value for redeeming points for travel through the Chase Ultimate Rewards portal. For instance, 50,000 points becomes $625 to be used toward travel.
The card can also be combined with other Chase Ultimate Rewards credit cards such as the Chase Ink Business Cash℠ Credit Card, Chase Freedom®, Chase Freedom Unlimited℠, Chase Sapphire Reserve℠ Card, and Chase Sapphire Preferred® Card to earn even more points.
The card comes with travel insurances and price protections as well.
Which travel partners are associated with the Ink Business Preferred℠ Credit Card?
Cardholders can transfer points at a 1:1 ratio with the following travel loyalty programs in 1,000-mile increments:
Southwest Airlines Rapid Rewards, Virgin Atlantic Flying Club, Air France / KLM Flying Blue, Korean Air SKYPASS, British Airways Executive Club, United MileagePlus, and Singapore Airlines KrisFlyer, Marriott Rewards, World of Hyatt, IHG Rewards Club, and The Ritz-Carlton Rewards
When do the points earned post to my account?
Points from your purchases appear on your card credit card statement at the end of each month. However, bonus points can take longer to post. Travel partner points take up to a week to transfer.
How much are the Ink Business Preferred℠ Credit Card points worth?
When used directly, points are valued at $0.01, but when transferring to partner airlines and redeemed for international travel, they are worth up to $0.02.
How do you redeem Chase points for rewards?
To redeem your points, log into your Chase credit card account and click on Ultimate Rewards. From this site, you also have the option to switch your view to other Chase credit cards in the program or to transfer points between cards.
When do the points expire?
As long as your account is active and in good standing, your points will not expire.
Are there any foreign transaction fees with the Ink Business Preferred℠ Credit Card?
No, the card has no foreign transaction fees.
How do I log in to my Ink Business Preferred℠ Credit Card account?
Log into your account using the Chase Bank login page.
Which is the better credit card, the Ink Business Preferred℠ Credit Card or the Chase Ink Business Cash℠ Credit Card?
The Chase Ink Business Cash℠ Credit Card earns cash-back as points in the Ultimate Rewards program.
Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Also, earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
The maximum earning cap is higher for the Ink Business Preferred℠ Credit Card but the Chase Ink Business Cash℠ Credit Card offers a 0% intro APR for 12 months on purchases and balance transfers (then a Variable APR, See Issuer’s Terms).
Both cards can be used simultaneously to take advantage of all the benefits.
What are all available Chase Ultimate Rewards credit cards?
- Ink Business Preferred℠ Credit Card
- Chase Ink Business Cash℠ Credit Card
- Chase Freedom®
- Chase Freedom Unlimited℠
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve℠ Card
What is the Chase Ink Bold Credit Card?
The Chase Ink Bold card was an older version of the Chase UR credit cards. You can no longer sign up to the card, however.
Which card is better: the Chase Ink Business Preferred or the American Express SimplyCash?
The answer to this question depends on your own personal business situation. The SimplyCash® Plus Business Credit Card from American Express
earns 5% cash-back on U.S. cell phone services as well as U.S. office supply stores.
If you spend a large amount in these areas, and not as much in the 3x bonus categories of the Chase reward program card, then perhaps the SimplyCash is a better card for you!