Some of the top travel rewards cards recommended by ChooseFI in all of the travel rewards world are actually three Chase Business credit cards!  All 3 of them offer Chase Ultimate Rewards® points, which we highly value for their flexibility.

While you might initially think you don’t qualify for these cards if you don't have a registered business, there's a broad definition of what qualifies as a business (see below), so don't count out this opportunity quite yet!

The trio of cards we're excited about:

• Ink Business Cash® Credit Card
• Ink Business Preferred® Credit Card
• Ink Business Unlimited® Credit Card

It's no secret that we love Chase Ultimate Rewards® points.  These 3 cards are some of the best ways to earn additional Ultimate Rewards points if you already have and earned the bonus from one of the Sapphire personal cards.

The Three Chase Business Ink Cards For Side Hustlers

Ink Business Cash® Credit Card

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening..

Important Note: While Chase calls this total bonus offer "$750 cash back," you actually earn 75,000 Chase Ultimate Rewards® points. If you have one of the "Premium" Chase UR cards (currently: Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Ink Business Preferred® Credit Card) then you can combine these points into that account and they all become the more valuable transferable UR points!

• Earn 5% cash back (each account anniversary) on purchases from office supply stores, internet, cable, and phone services. Combined purchases on the first $25,000 per year.
• Earn 2% cash back (each account anniversary) on purchases from gas stations and restaurants, up to the first $25,000 per year.
• 1% cash back on all other purchases. Unlimited.
• $0 Annual Fee.

Ink Business Preferred® Credit Card

Benefits include:

• Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• For each $1 spent, earn 3 points for the first $150,000 (per year) when spent on travel and certain business categories (such as internet, cable & phone, shipping).
• For all other purchases, you earn one UR point per $1 spent.
• Can redeem for cash at 1 cent per point, travel through the Chase Travel℠ for 1.25 cents per point, or you can transfer to a travel partner for potentially more significant value.
• No foreign transaction fees.
• $95 Annual Fee.

Ink Business Unlimited® Credit Card

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening..

Important Note: While Chase calls this bonus offer "$750 cash back," you actually earn 75,000 Ultimate Rewards® (UR) points. If you have one of the "Premium" Chase UR cards (Chase Sapphire Preferred®, Chase Ink Business Preferred® Credit Card, or a Chase Sapphire Reserve®) then you can combine these points into that account and they all become the more valuable transferable UR points!

• For every business purchase, earn 1.5% cash back. Unlimited.
• $0 Annual Fee.

3 ways to get the most value from your Ultimate Rewards points

How to get GOOD value from the 90,000 points

Redeem them for $900 cash. That's a pretty good trade if you don't have the time or interest to get better value by using the point for travel rewards.

How to get BETTER value from the 90,000 points

Transfer the points to a Chase premium travel card (Chase Sapphire Preferred® Card, Ink Business Preferred® Credit Card, or a Chase Sapphire Reserve® ), then use the 25% to 50% extra bonus when you use the points to book travel on the Chase Travel Portal.

How to get GREAT value from the 90,000 points

The most value you'll probably get is to transfer your points to a Chase premium travel card (see above), then transfer those points to a partner program such as:

• Hyatt hotels
• Southwest Airlines
• United Airlines
• British Airways

How To Maximize The Odds Of Approval

If your side hustle business is pretty new, it will not have a seasoned credit history, which means the approval decision would depend on your personal credit history, so you'll want to apply for the card using your social security number.

If you have a more established business that has been running for a few years and has its own credit history, applying with your EIN might be helpful.

The Bottom Line

We love these cards because all three of the Chase Ink Business cards have great sign-up bonuses which will earn you Chase Sapphire Reserve® points that can be transferred to your personal accounts.

The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card both have $0 annual fees, while the Ink Business Preferred® Credit Card has a low $0 annual fee.

And don't think you have to have a brick-and-mortar business in order to qualify for a business card. Anyone with a side hustle, no matter how small, can apply.