How We Earned 400K Points From Chase’s Business Card Trifecta

My wife and I recently earned 400,000 Chase Ultimate Rewards points by taking advantage of business credit card welcome offers — all without spending more than we normally would.

As the owner of 2 small businesses, I wanted to maximize my business expenses throughout the year. So when Chase rolled out several all-time best welcome offers, I saw an opportunity to turn planned spending into a massive points haul.

Elevated Welcome Offers on Chase Business Cards

Since I run 2 small businesses with plenty of expenses, I knew I had enough legitimate business spending to take advantage of several elevated welcome offers. The challenge was figuring out the best sequence of applications while maximizing my chances of approval.

I started with the Ink Business Preferred^® Credit Card, which is currently offering 100,000 Ultimate Rewards points after spending $8,000 in the first 3 months.

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

After approval, I waited a few weeks before applying for the Ink Business Unlimited^® Credit Card, which also offered a 100,000-point welcome bonus offer with an $8,000 minimum spending requirement in 4 months. That gave me a path to earn 200,000 Ultimate Rewards points just from 2 applications.

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

At that point, I wasn’t confident that I had a particularly high chance of being approved for a third Chase business card. Plus, I didn’t have another legitimate business that would justify an additional application.

Instead of pushing my luck, I decided to bring Player 2 (my wife) into the strategy, with an application for the newly launched Sapphire Reserve for Business℠.

Applying for a Third Chase Business Credit Card

Next, I turned to Player 2. My wife has her own business, making her eligible for Chase business cards. Rather than risking another application under my name, it made more sense to have her apply for the Chase Sapphire Reserve for Business card.

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

She applied for the Chase Sapphire Reserve for Business card with a massive 200,000-point welcome bonus after spending $30,000 on purchases in the first 6 months from account opening. Given the size of the offer, it quickly became the centerpiece of our strategy. Even with the extremely high minimum spending requirement, I already had a plan to meet it.

With that approval, we had a path to earn another 200,000 Ultimate Rewards points, bringing our haul to 400,000 points. Of course, getting approved was only the first step. The next challenge was meeting the minimum spending requirements across all 3 cards.

How We Met the Spending Requirements

As a self-employed freelancer, I make quarterly estimated tax payments throughout the year. I’ve learned to view those payments as an opportunity to earn valuable rewards on taxes I’d have to pay anyway.

Many people don’t realize that the IRS allows taxpayers to pay their taxes with a credit card through approved payment processors such as ACI Payments, Inc. and Pay1040. While these services charge a processing fee, using a credit card to pay taxes can be a useful way to work toward a lucrative welcome bonus.

One thing I like about paying taxes with a credit card is that you can split payments across multiple cards. Since the Chase Sapphire Reserve for Business card had the highest spending requirement, I directed a large chunk of my estimated tax bill to it first. Then, I used another card to make an additional tax payment, which helped me meet the spending requirement on my Ink Business Preferred card.

For the Ink Business Unlimited card, I took a different approach. Since the card earns unlimited 1.5% cash-back on all purchases and I had 4 months to spend $8,000 to earn the welcome bonus, I shifted all of my eligible business expenses to the card during the initial spending window.

At roughly $2,000 per month, I knew I could meet the minimum spending requirement through normal spending habits. Because I also have Chase cards that earn Ultimate Rewards points, I can convert those cash-back rewards into transferable travel rewards.

How We Combined Our Chase Points

One of the reasons I felt comfortable bringing my wife into this strategy is that Chase makes it easy to combine Ultimate Rewards points between members of the same household.

Since we share the same address, my wife can transfer the points she earns from her Chase Sapphire Reserve for Business card to my Ultimate Rewards account. That allows us to consolidate points instead of maintaining separate balances or redeeming points independently.

Instead, we can pool all 400,000 points in a single account. Since I typically manage our family’s points and miles strategy, having everything together makes it much easier to compare transfer partners, book award flights, and maximize the value of our points.

I don’t yet know exactly how I’ll redeem this 400,000-point haul, but I have plenty of choices. Most likely, I’ll transfer the points to Chase’s airline and hotel partners, such as Air Canada Aeroplan and World of Hyatt, where I’ve consistently found some of the best value.

Final Thoughts

Earning 400,000 Chase Ultimate Rewards points across 3 business credit cards didn’t require any complicated tricks or manufactured spending schemes. Instead, it was about carefully timing applications, understanding Chase’s approval restrictions, involving my wife in the strategy, and using expenses we were already planning to pay for.

That’s what makes points and miles so rewarding. With a little planning, the expenses I already have to pay can help create future travel experiences for my family.