If you are interested in earning credit card points for travel, you will be interested in the new sign up bonus offers for the Chase Business Unlimited and Chase Business Cash cards.
With the old offer you earned 75,000 points after spending $7,500 in the first 3 months. This was a very good offer especially since both of the cards have no annual fee.
With the new offer you get more points and you don’t have to spend as much to receive the bonus. So, let’s take a look at the new sign up bonus.
Business Cash and Unlimited Sign Up Bonus
Both of the cards have the new sign up bonus. The new offer is 90,000 points after spending $6,000 in the first three months. That is not a typo. This is an all time high for both of the cards.
Not only are you earning 15,000 more points with the new offer. You also need to spend $1,500 less to earn those points.
One way to think about the bonus for each of the cards is that you are earning 15% on the money that you are spending to earn the bonus. That is a great return. Plus, the bonus is tax free.
How to Use the Points for Travel
The Business Unlimited and Business Cash cards are considered cash back cards. The points that you earn are considered Ultimate Reward Points.
Since they are Ultimate Reward Points, you can use the points to book travel through the Chase travel portal.
This is not the best use of the points for travel since you are only getting one cent of value for each point. In the world of travel points, you want to earn more than one cent of value for each point when you can.
You can earn more than one cent of value if you have one of three other Chase credit cards. Those cards include the Chase Sapphire Preferred, Chase Sapphire Reserve and the Chase Sapphire Business Ink card.
You can transfer your points from the Business Unlimited and Business Cash cards to the Sapphire Preferred, Reserve and Preferred Business Ink cards.
The Sapphire Preferred and Sapphire Business Ink will help you earn a 25% bonus in points when you book travel through the Chase travel portal. So, for each point you use you get 1.25 points instead of one point through the portal.
The Chase Sapphire Reserve card will earn you a 50% bonus with your points when you book travel through the portal. So, you are getting 1.5 points instead of one point.
Those are good values on your points but there is still a better way to use the points for travel. With the Sapphire Preferred, Reserve and Preferred Business cards, you can transfer the points to one of Chase’s 14 transfer partners.
Chase has 11 airline partners and 3 hotel partners. The partners include:
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- British Airways Executive Club
- Emirates Skywards
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United Mileage Plus
- Virgin Atlantic Flying Club
- IHG Rewards Club
- Marriott Bonvoy
- World of Hyatt
You can transfer points to each one of these programs at a 1:1 value. You can potentially earn 2 or more cents for each point you use when you do this.
Many of the travel rewards enthusiasts would value the 90,000 points being worth $1,800 because of being able to transfer the points to transfer partners.
Who can get the Chase Business Unlimited and Chase Cash Cards
Even though you don’t own a physical business, you can still get a business card. There are many things that you can do that qualifies as a business to a credit card company.
Just a few of the things that you can do include: babysitting, driving for rideshare companies, babysitting, being an independent contractor, tutoring, walking dogs, selling on Etsy, Ebay, Amazon, Facebook Marketplace etc., and tutoring.
This is just scratching the surface of things that qualify as a business so most people actually do qualify for business cards.
Ways to Earn with the Chase Business Unlimited and Business Cash Cards
The Business Unlimited card is straightforward as it comes to earning points.
- You get 1.5% cash back for each purchase that you make.
The Business Cash card has different reward rates.
- Earn 5% cash back at office supply stores, cable, phone, and internet bills with the first $25,000 spent each year.
- Earn 2% cash back at gas stations and restaurants with the first $25,000 each year.
- Earn 1% on all other purchases
Other Perks
Both of the cards have the following features.
- No annual fee
- Free employee cards
- Auto rental collision waiver
- 24/7 pay-per-use roadside assistance
- Travel and emergency assistance services while traveling
- Purchase protection for 120 days on items that are damaged or stolen up to $10,000
- Trip cancellation and trip interruption insurance
- Extended warranty that extends U.S. manufacturers warranties that are 3 or less years by one more year
Final Thoughts
Just on their own the Chase Business Unlimited and Chase Business Cash cards are solid cards to have for a business. They can help you earn more cash back on the money that you are already spending for your business.
If you are like me and also want to earn points for travel, the cards are a real benefit. You can earn the largest sign up bonus ever right now. Plus, the cards have no annual fee.