Why You NEED These 3 Business Credit Cards (Chase Ink Cards)

[@SpencerJohnsonOfficial]

If you aren't in the market for business credit cards right now, you need to know about the personal Chase Trifecta that will help you travel the world for FREE: kzbin.info/www/bejne/fqe6Z6mgma-IpJI Thank you so much for watching! Let me know down below if you have any of these 3 business credit cards or which ones you have if not!

[@MattWelterOfficial]

Definitely really important to understand the intricacies of what qualifies you for having a "business", such as simply having an idea for one. I already have the personal Chase Trifecta, but could definitely see myself getting into the business side of things as well. Out of the 3, I think the Chase Ink Unlimited is the one that is most appealing to me, and I'll probably get that card first. Great video as always Spencer!

[@SpencerJohnsonOfficial]

I agree with you Matt! Business cards provide a ton of value that personal cards don't quite give you. The Chase Ink Unlimited is pretty solid, however, you get more value from using the Chase FREEDOM Unlimited instead, so that's why I'm gonna get the Chase Ink Cash first to cover categories my other cards don't. The CIU SUB is insane right now though, so either way you go isn't bad.

[@SledgeIncTeam]

Great info Spenser. The intro bonuses make these cards attractive.

[@SpencerJohnsonOfficial]

Thank you Sledge! I think the intro bonuses alone are very intriguing, but in combination with each other these cards can be really powerful. A hybrid setup with the BBP would be good too.

[@SledgeIncTeam]

@@SpencerJohnsonOfficial no doubt about it. For me, I just don't spend enough at office supply stores and for advertising, etc, to hold these unless it was just for the SUB but for someone that does, these are great

[@SpencerJohnsonOfficial]

I agree with you man! I guess if you’re bored and under 5/24, getting a free 90k isn’t bad either way. That’s not as simple as it sounds though lol. Especially for those that have been actively applying the last 2 years.

[@joshua.butler]

Great overview Spencer. These sign up bonuses are incredible. I DO wish the business cash card had better 5% categories though 😐 I'd likely go for the ink business unlimited.

[@SpencerJohnsonOfficial]

Thank you Joshua! I agree on the bonuses. I wish I could apply for one right now! And yeah I don't think office supply stores is a helpful category for most of us in the digital realm, but I could definitely get use out of the others. I think the Ink Unlimited is great for the SUB and as a catch-all business card if you don't have one, but in a complete setup I think the BBP would be better. Good think you got that one!!

[@CesarJoel]

Good cards for the intro bonus. The Ink Cash could be a great card for someone who owns a medium size business that spends often at office supply stores. If they added cellphone insurance it could be a great card for more users but overall a good card. The Ink Preferred is a card that can provide great value and has that cellphone insurance with the 3x multiplier. I can't see myself using the Ink Unlimited after the intro bonus 1.5x is below of what I expect on a catch all card but it's great for the welcome offer. Overall I will most likely get a couple of those Ink cards for the intro bonus but the only 2 that could get some use are the Ink Cash & Preferred. My office store budget and spend is $0 for the past 2years, internet $960 (yearly) (Ink Cash) and phone services $1,700 (yearly) (Ink Preferred). With all that being said, I don't mind getting the cards, hit the intro bonus and send them straight to the sock drawer 😂 Thanks for the info, I really enjoyed the video👍

[@SpencerJohnsonOfficial]

Agreed Cesar! Especially with these elevated SUBs. I wish they would add that cellphone insurance to the Chase Ink Cash. That would make it much more of a no-brainer. I guess that's a big pull for people to get the CIP though. Gotta have cell phone insurance on one of these cards at least. I agree with you on the CIU. With the CFU on the personal side, this card isn't super valuable for anything except the welcome bonus and separating business and personal expenses. I think those cards make sense for you to get, even with the SUB alone! Thanks for watching man!

[@OfficialChadsMoneyMinutes]

Good stuff man I'm closing in on 3 months with my Chase Business Unlimited and I love it. I'm familiarizing myself with the ecosystem and using it in some ways that I don't see alot of people talking about and it is pretty robust! Good Video this will help a lot of people.

[@SpencerJohnsonOfficial]

Thanks so much Chad! I'm really happy to hear you're liking the CIU. Business credit cards open up a realm of possibilities that are exciting to dive into and I'm still getting familiarized with them myself. I enjoy the learning process though. Thanks for watching man!

[@DayanaPlays]

Keep up the good work Spencer!!! Next up: 3K STRONG!!!🚀🧡

[@SpencerJohnsonOfficial]

Thanks so much Dayana! I appreciate your support. The video creation process is a constant work in progress, but this is what I truly love to do and I’m excited to continue to push out quality content!

[@jimmyjames6492]

Thanks for the info + video!

[@SpencerJohnsonOfficial]

No problem Jimmy! I’m glad you enjoyed it.

[@ChaseYokoyama]

FACTS! Once I realized that I could get business credit cards, many more doors and opportunities opened. Don't limit yourself to just the personal stuff 👌🏽

[@SpencerJohnsonOfficial]

I 100% agree with you Chase! It’s a whole other world on this side of the credit card game and I’ve loved learning about it so far. Thanks for stopping by man!

[@TheCreditFrog]

Great overview of the Chase Trifecta Spencer! I'm personally waiting until I need to make a big purchase to help meet that monster CIP SUB, but have been very happy with the CIC and CIU so far! I definitely prefer the Chase Ink Trifecta over the classic Chase Trifecta as I think the CIC/CIP categories would fit better for me 👍!

[@SpencerJohnsonOfficial]

Thanks so much Stan! That minimum spend on the Chase Ink Preferred is pretty intense haha. I don't blame you for waiting on it! I'd have to have my whole family use that card to hit it lol. And I think that's something that should be talked about more... the Chase Ink Trifecta is super powerful in it's own right, even in comparison to the personal Chase trifecta. Thanks for watching Stan!

[@docsays]

Currently have the CSP + CIU. I want to add the CIC & Flex!

[@SpencerJohnsonOfficial]

@@docsays I think that's a great idea! That would be such a powerful Chase quadfecta that I plan on having in the future as well. If you ever need a referral link... you know who to ask 🤣

[@docsays]

@@SpencerJohnsonOfficial - sure thing. I have to double check. But i will fall below 5/24 either in jan or feb.

[@SpencerJohnsonOfficial]

@@docsays No worries either way. I always appreciate the support but at the end of the day I want everyone to get the best offer possible! Luckily my links cover the highest public welcome offers which is nice. I'm back under 5/24 in January as well, so I'll be going for the Chase Ink Cash then.

[@MannyCovington]

All three are great, especially with their elevated bonuses!

[@SpencerJohnsonOfficial]

I agree Manny! Thanks for watching.

[@docsays]

True. Approved for the chase Ink Unlimited as a sole prop using my EIN#. Hella good bonus on ink cards now!

[@SpencerJohnsonOfficial]

Heck yeah Doc that's awesome! That's the simplest way to do it I've found. I wish I could apply for one of these right now. Those SUBs are hard to beat.

[@docsays]

@@SpencerJohnsonOfficial - for real. I had to spend $7.5k to earn my 750k UR pts in the summer. So 900k URs for only $6k spend is freaking amazing!

[@SpencerJohnsonOfficial]

@@docsays I think you meant 75k and 90k, but yes I agree!! I wish the bonuses were that high lol.

[@docsays]

@@SpencerJohnsonOfficial - your right 75k & 90k URs

[@AnthonyVenture]

This was amazing! Very good for me to learn even more about business cards! Nothing else to note, just very solid haha. Loved it and congrats on the Ekster sponsor! Getting all the heavy hitters now ha. Nice Spencer + Odin as always!

[@SpencerJohnsonOfficial]

Thank you Anthony! That means a lot man. The sponsorship was great and I look forward to more! Always wanna make sure they’re companies I truly love and use before I recommend them to my community. Odin said thanks as well!

[@OfficialEricGao]

When I learned that I don't need a business in order to get business cards, my mind was blown. The current signup bonuses for the Chase Ink Unlimited and Cash are too good to not get. If only I wasn't in Chase Jail right now, I would definitely be looking into getting them!

[@SpencerJohnsonOfficial]

It’s a game changer for sure man! I still don’t think a lot of people realize that they’re eligible for these cards themselves so we gotta keep spreading the word! And as for these Ink cards in particular, I’m in the exact same boat. I’ll be applying to the Ink cash in January as long as everything goes to plan since I’ll be at 4/24 then. Excited for that!

[@baylor2times]

Good info as always Spencer. You’re definitely going to be one of the top viewed financial KZbinrs soon enough. Keep up the great work bro!

[@SpencerJohnsonOfficial]

Thank you so much man! I really appreciate you saying that. This is truly what I love to do, so I really hope I can do it full time in the near future. Thanks for your constant support!

[@ItsMeCJ]

Very nice overview Spencer! I’ve decided between the Ink Cash and Ink Unlimited, but I’m not going to reveal that here 🙂. Btw, how did you get to pin your comment 22 hr ago? 🧐 🤔

[@SpencerJohnsonOfficial]

Thank you CJ!! That's good to hear! I'm excited to see the video. And while your video is unlisted, you can pin a comment and then when you schedule it, the video will stay private until uploaded but it'll keep the pinned comment.

[@ItsMeCJ]

@@SpencerJohnsonOfficial sweet! Secrets that I know nothing about. Thanks Spencer!

[@SpencerJohnsonOfficial]

@@ItsMeCJ I found it randomly but I love it!

[@PDXBeach]

Is it ethical to do personal spend on these cards?

[@JoseRojasYT]

great video spencer, sure is a big misconception that you need an llc for a business credit card. keep up the great work!

[@SpencerJohnsonOfficial]

Thanks so much Jose! It’s one of the biggest misconceptions in the credit card space, so I’m hoping that people start to realize that they have access to these cards and can earn a TON of value from them once they get em. Thanks for the kind words man!

[@412foto]

those welcome offers are super tempting!! But I need to get the Preferred first and ideally would like to be closer to when my 12 month 0% APR ends on my Amex business so I have that perk for use for more of a full year without overlap. sure it won't be this high beyond Q1 though

[@SpencerJohnsonOfficial]

They’re all great offers! I actually got 0% intro APR on my Chase Ink Cash I just got approved for which I didn’t even know was part of the card. What do you need to wait on the CSP for? Or were you talking about the CIP? And yeah I’m afraid these bonuses will end by then… I’m assuming by the end of the month but we’ll see!

[@412foto]

@@SpencerJohnsonOfficial I just got the Freedom Flex this month. So spacing out the cards a little to up odds of getting approved. I need the Preferred not only for future transferability but REALLY need it for June international travel as I have no card with zero international fees and that is a Visa should Amex not be accepted.

[@SpencerJohnsonOfficial]

Ah I see that makes a lot of sense! You’ll definitely want a visa with no FTF… the CSP saved me when I was in Mexico last year and places wouldn’t take my amex gold. It sounds like your strategy is well thought out!!

[@412foto]

@@SpencerJohnsonOfficial let's hope it goes according to plan! lol

[@SpencerJohnsonOfficial]

I’m hopeful for ya!! Good luck man! Keep me updated with it for sure. Also if you ever are applying for a card and want the best public welcome offer, I have links in the descriptions of all my videos that help support the channel if you ever feel inclined. #smamelessplug 🤣 I appreciate you either way though!

[@TRuffin]

Will chase give me two separate inquiries if i apply for a chase ink unlimited business card and a personal CSR ?

[@SpencerJohnsonOfficial]

Chase is notorious for giving you a hard pull on every application. And they usually pull Experian from my experience. However, if you're talking about applying for both on the same day, I'm not 100% sure what would happen there. Hopefully that helps still!

[@TRuffin]

@@SpencerJohnsonOfficial thanks for the swift response, awesome channel.

[@SpencerJohnsonOfficial]

No problem at all! I’m glad you enjoy it. I look forward to talking with you more in the future as well!

[@TRuffin]

@@SpencerJohnsonOfficial likewise Spence. I may try to apply for the ink unlimited as well as cash in January, hopefully they'll offer more than the current 90k.

[@SpencerJohnsonOfficial]

Sounds good man! That’s my plan too with the ink cash. I wouldn’t hold your breath though.. I’m hoping they don’t lower it by then haha. Especially with all the other lenders lowering offers right now too. If you need a link for it and wanna support the channel though, the links in the description of this one have the highest public welcome offer available.

[@OroborusFMA]

I have a DBA home business but the spend requirements for these cards is really high.

[@SpencerJohnsonOfficial]

That's great that you have your own business! The spending limits on these cards are definitely high, but we're lucky they're as low as they are right now! Being that they are normally 75k points for $7.5k worth of spend, these are some really great offers right now. Whenever I get this card for myself, I'll likely have my immediate family help out with that spend requirement by putting it on our family's Amazon account or something. If you have those kind of people in your life that you can trust to pay you right away for purchases made on your card, that can be a great way of hitting SUBs quicker. Just gotta be careful of course! It would be great to time the application for this card with a large purchase, but I have a feeling these offers aren't gonna be around long unfortunately.

[@Jordan-sq1oo]

Are you a front pocket or back pocket wallet guy? I like the metal wallets but I've bent a few from having them in my back pocket and sitting on hard surfaces. Other slim flexible wallets end up bending the cards after prolonged use

[@SpencerJohnsonOfficial]

I’m a front pocket guy myself. However, these wallets really are durable. I wouldn’t recommend a product I don’t love. They also have a bunch of new wallet types that may fit your desires more. I only showcased the metal one mainly, but they do have cool bifolds and other wallets that are better than the rest of the market in my opinion.

[@gauravg789]

Hi! I applied for ink biz unlimited, and ink biz cash, on the same day. Got approved for both. Had a large purchase to I split and put $7k on both cards and got the points in the first week. I’m thinking about getting the Ink biz preferred. I’m willing to pay $95 af. But can I cancel this card in the 2nd year without it affecting my credit score. I might even cancel all 3 in the 2nd year. I just have way too many cards and I can’t keep track 😅

[@SpencerJohnsonOfficial]

That’s awesome SW! That’s a ton of points to get within a week. Did you use a referral for that by chance? The Chase Ink Preferred has a super solid welcome bonus as well if you can hit the minimum spend on it. You could always cancel cards in the second year, but yes it will technically affect your BUSINESS credit score, but it shouldn’t affect your personal credit at all since your business and personal credit reports are completely separate. However, there’s always a risk of your personal score being slightly affected if you have a personal guarantee on those credit cards and you do something incorrectly. I don’t think there’s a high risk of that, but I would definitely check online before cancelling them all at once. Hopefully that helps a bit, but I don’t have personal experience with that so I can’t give advice with 100% confidence unfortunately.

[@gauravg789]

@@SpencerJohnsonOfficial thanks for the info. I just found your channel so I couldn’t use the referral for the 2 cards. But I’m thinking about getting the preferred soon. So I’ll definitely use your code for that card or another card. I’m just waiting to see if I can justify a large purchase. Thanks. Keep up the great videos.

[@SpencerJohnsonOfficial]

Dude no worries at all! I like to let people know they’re there in case you ever wanted to support the channel for free, but it’s no stress either way. I’m just happy if people get the cards they want with the best SUB available! I appreciate you SW and I look forward to talking with you in future videos as well!

[@jrrodz77]

Thanks Spencer. I love the way to simplify things for your community. Great information and a most before making a decision. Ppl, LIKE and Subscribe!!! This free info is great and we need to support it so Spencer can continue to upload new content and we don't end up doing things the wrong way. 💪

[@SpencerJohnsonOfficial]

You’re the man Jorge!! I really appreciate you. That means a lot!!

[@incogomomo]

How soon after I’m approved for a Chase business card can I go for a second one under the same LLC? And what is the likelihood of my limit being high on the second? My approval was for 50k through a funding DFY company last week but if done a second time I will be doing it myself.

[@SpencerJohnsonOfficial]

Good question! Technically the only rule that would slow you down is the 2/30 rule where Chase only allows you to get 2 credit cards every 30 days. However, I may be mistaken, but I want to say that only 1 of those can be a business card, so if you want to hold off for a month that'd probably be smart. Maybe more to be extra safe, but that's up to you. That's a high limit too so congrats on that!!

[@SuperPachuca13]

Are these business cards come with a hard inquiry when applying?

[@SpencerJohnsonOfficial]

Since they’re Chase credit cards, yes they do give you a hard inquiry. Chase is pretty infamous for giving you a hard pull on everything you do with them. If you have Amex cards already though, you can get their business cards with no hard pull which is nice. That goes for the personal cards too actually. Also, if you want to watch my latest video, I talk about the Chase Ink Cash in more detail and what happened to my credit score after getting approved for it. May be of interest to you!

[@SuperPachuca13]

@@SpencerJohnsonOfficial thank you for the in depth response man. I’ll be watching your video for sure.

[@SpencerJohnsonOfficial]

No problem at all! I hope it helps.