So, you could use the points you earned to offset various travel expenses like car rental, transfers, and booking fees, or send them to a Capital One transfer partner like British Airways, Air Canada, or Singapore Airlines. The Capital One Venture Rewards Credit Card is an interesting card because the points you earn either work like a simple fixed-value card (where you redeem the points to offset travel expenses at 1 cent per point), but now they are also flexible points that can be transferred (similar to Chase UR). Learn how to apply for the Ink Business Preferred® Credit Card 3. If you have a side hustle, you probably have a qualified business. This card is designed for small businesses, even sole proprietor firms like dog-walking, cleaning, ride-sharing, Etsy retail, and more. Interestingly, after you are approved for it, the Ink Business Preferred® Credit Card does not get included in your 5/24 number for future card applications.Ī Note on Business Cards: You do need to have a registered business to apply for a business card but think broadly about the definition of business.When you apply for the Ink Business Preferred® Credit Card, the 5/24 rule is used by Chase as an initial filter to decide if your application may be approved.Can redeem for cash at 1 cent per point, travel through the Chase travel portal for 1.25 cents per point, or you can transfer to a travel partner for potentially more significant value.For all other purchases, you earn one UR point per $1 spent.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).New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.The is our favorite business card and since it is a Chase card it should be among the first several cards you open (assuming you can qualify for a business credit card…more below). Learn how to apply for the Chase Sapphire Preferred® Card 2. Note of Caution: Once you transfer Chase points to a transfer partner, there’s no transferring them back! That’s why you should hold them in your Chase account until the point where you’re going to redeem them at a partner airline/hotel and only then make the transfer. British Airways (distance-based award chart to use on American Airlines in the US).Hyatt Hotels (the most reasonable award chart of any hotel chain).We love Chase Ultimate Rewards® points because of their transfer flexibility to become points/miles with over a dozen partners, including our four favorites: Additional benefits such as Trip Cancellation/Trip Interruption Insurance and an Auto Rental Collision Damage Waiver. So, if you spent $30,000 on your card for the year, you’ll bag an additional 3,000 points! Chase will calculate your entire spending from the past year and give you a 10% bonus each anniversary. Earn 3X on dining, some delivery services included, takeout and dine-out.Earn 5X points on travel when purchased through Chase Ultimate Rewards® travel portal.$50 Chase Ultimate Rewards® annual hotel credit (on hotel nights booked through Chase travel portal).That's $750 when you redeem through Chase Ultimate Rewards®. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.Note: You can apply for this card if you don’t currently have either Sapphire card (Preferred or Reserve) and haven’t received a new cardmember bonus on either Sapphire card in the past 48 monthsĪnother reason to start with the Chase Sapphire Preferred® Card is because of Chase’s ‘5/24 rule’ which essentially means that if you have been approved five or more credit cards (from any bank, not just Chase) in the last 24 months, you will automatically be rejected when you apply for any Chase credit card. We highly value the Chase Ultimate Rewards® (UR) program and this is one of the easiest ways to start stockpiling your UR points. The Chase Sapphire Preferred® Card is the card most people new to travel awards should likely start with.
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