With the same benefits as the Ink Bold, the Chase Ink Plus Business card tops our list for its generous sign-up bonus, category payouts, club lounge benefit, and valuable point currency, which can be transferred to partners like Hyatt and United.
The reason this version came ahead of the Ink Bold is because it is not a charge card and thus cardholders can carry a balance on it. Though in all fairness, you shouldn’t carry a balance or pay interest on any card – let alone a rewards card. Still, you have that flexibility, just in case.
The generous 50,000 point sign-up bonus (earned after $5,000 spent within three months), is worth $625 if redeemed directly with Ultimate Rewards. Otherwise, points can be transferred to one of 10 rewards partners at a 1:1 ratio:
- Amtrak Guest Rewards
- British Airways
- Hyatt Gold Passport
- IHG Rewards
- Korean Air Skypass
- Marriott Rewards
- Ritz Carlton Rewards
- Southwest Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
Cardholders can redeem their points for 2-11 nights at Hyatt hotels; 10 nights at IHG PointBreaks properties; 2 roundtrip domestic economy tickets; 12 short-haul, one-way domestic flights using British Airways Avios; a one-way flight to Europe in Business Class; among many other options.
The 5x point payout on cable, tv, cellphone, landline, internet, and office supply stores is a nice bonus. The 2x points per dollar spent at gas stations and on hotel accommodations also helps cover common spending categories. This bonus is especially useful when traveling abroad, as the card has zero foreign transaction fees.
The $95 annual fee is waived the first year, but can be worthwhile if you’re maximizing your category bonuses. Overall, this is a solid card with a generous bonus, high category payouts, and great ongoing benefits.
Do you agree or disagree with our ranking of the Top 30 credit cards? Please comment below.
Delta® Reserve for Business
- Annual Fee: $450 fee
- Foreign Fees: No
- Card Type: Travel
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- Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.†
- Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
- Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
- Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
- Pay no foreign transaction fees when you spend overseas.‡
- Complimentary Delta Sky Club® Access.‡
- Terms and limitations apply
- See Rates & Fees
Delta® Reserve for Business
- Annual Fee: $450 fee
- Foreign Fees: No
- Card Type: Travel
| FTG Review | Reward Breakdown | Points Breakdown |
|---|---|---|
Breakdown
Earn (pt.)
Spend
3 months
0
$3,000
Per dollar on eligible purchases with Delta Purchases
2.00
$1
All Purchases
1.00
$1
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Already have this card? Maximize your rewards.
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