How To Earn 300K Chase Points With These 2 Business Cards

A big welcome bonus offer is one of the fastest ways to build a balance of credit card points and miles. Rather than earning one purchase at a time, a single well-timed application can earn tens or hundreds of thousands of points in just a few months.

That math improves if you apply for multiple cards. By strategically pairing the Sapphire Reserve for Business℠ with either the Ink Business Unlimited^® Credit Card or the Ink Business Cash^® Credit Card, eligible applicants can currently earn up to 300,000 Chase Ultimate Rewards points between both welcome offers.

That’s a huge haul, and the cards offer additional value with perks and benefits. Here’s a look at how combining these Chase cards can be a powerful move for your business.

Welcome Bonus Offer Details

In order to make this strategy work, you’ll need to pair the Chase Sapphire Reserve Business card with either the Ink Business Unlimited card or the Ink Business Cash card. Here is the current welcome bonus offer on all 3 cards:

• Chase Sapphire Reserve Business card: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months and access more than $7,000 in total business and travel value in your first year.
• Ink Business Unlimited card: Earn $750 $1,000 bonus cash-back after you spend $8,000 on purchases in the first 4 months from account opening.
• Ink Business Cash card: Earn $750 $1,000 when you spend $8,000 on purchases in the first 4 months after account opening.

You cannot earn the welcome offer on both the Ink Business Unlimited card and the Ink Business Cash card. The welcome offers are advertised as cash-back, but you actually earn 100,000 Chase Ultimate Rewards points.

When you combine the welcome offers for the Chase Sapphire Reserve Business card and one of the Ink cards, you can earn a total of 300,000 Chase Ultimate Rewards points. According to our current valuations, those points are worth about $6,000. Keep in mind that these are all limited-time offers.

Why These Cards Complement Each Other

Each of these cards specializes in different perks, which is why they make a good partnership.

The Chase Sapphire Reserve Business card unlocks premium travel perks and boosts the potential redemption value of all of your points. Its $795 annual fee comes with several annual credits, airport lounge access, and full access to Chase’s airline and hotel transfer partners.

The Ink Business Unlimited card and Ink Business Cash Card have no annual fee and earn on frequent business expenses, whether it’s the 5% back categories on the Ink Business Cash card, or the 1.5% back catch-all on the Ink Business Unlimited card.

Which Ink Card Should You Choose?

Neither card is objectively better, but one might be a better choice for you based on your business expenses.

The Ink Business Unlimited card earns an unlimited 1.5% cash-back, effectively 1.5x points, on every purchase, with no bonus categories to track.

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

The Ink Business Cash card trades that simplicity for higher earning rates in specific categories. You can earn 5% back (5x points) on the first $25,000 spent each account anniversary year, combined, at office supply stores and on internet, cable, and phone services.

It earns 2% back (2x points) on the first $25,000 in combined spending at gas stations and restaurants each year, and 1% back on everything else.

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Cash^® 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.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

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

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

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Card Highlights

• Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
• Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
• Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
• Earn 1% cash back on all other purchases with no limit to the amount you can earn.
• Earn 5% total cash back on Lyft rides through 9/30/27.
• As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
• Complimentary three-month lnstacart+ membership.
• No Annual Fee
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

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

Rewards Center

Chase Ultimate Rewards

If your expenses are concentrated in office supplies, internet and phone, gas, or dining, the Ink Business Cash card is likely the better choice. If your spending is scattered across categories that don’t fit neatly into those buckets, then the Ink Business Unlimited card’s flat rate is better.

How the Chase Sapphire Reserve Business Card Unlocks More Value

On their own, the Ink Business Unlimited card and Ink Business Cash function mainly as cash-back cards. You can redeem the points you earn for items other than cash-back, such as gift cards and travel purchased through the Chase Travel portal, which limits you to redemptions that earn 1 cent per point at a maximum.

Once you also hold a premium Ultimate Rewards card like the Chase Sapphire Reserve Business card, you can combine the points from your Ink card with your Chase Sapphire Reserve Business card account. At that point, they can become fully transferable Ultimate Rewards points with greater potential value.

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

From there, you gain access to Chase’s full roster of airline and hotel transfer partners, which includes valuable partners like Air Canada Aeroplan, British Airways Club, United MileagePlus, Virgin Atlantic, and World of Hyatt.

This expands your redemption options and allows you to book premium cabin flights and luxury hotel stays for less than it would have cost to redeem 1 cent per point through the Chase Travel portal.

Overall, the Chase Sapphire Reserve Business card is excellent when it comes to premium perks like airport lounge access, business statement credits, and boosting the value of all of the Chase points you earn.

However, outside its 8x, 4x, and 3x bonus categories, it earns only 1x points on other purchases.

This is why adding either the Ink Business Unlimited card or the Ink Business Cash card can help you earn more points on your other expenses. Then, you can pool all of those points together to decide how you’d like to redeem them.

Final Thoughts

Pairing the Chase Sapphire Reserve Business card with either the Ink Business Unlimited or Ink Business Cash gives you a setup that earns on your business spending, provides premium perks and benefits, and unlocks more ways to redeem your rewards.

If your business spending and travel goals align with what these cards offer, it’s worth running the numbers to see if this 2-card strategy fits your wallet. If you can meet both spending requirements, the current welcome offers could earn you up to 300,000 Ultimate Rewards points.