I’m a sucker for a good travel rewards card. Over the years, I’ve collected a small handful of them — not because I love juggling annual fees, but because the right cards can save you a lot of money on flights, hotels, and travel perks you’d otherwise pay out of pocket for.

Not only do I have a bunch for my personal expenses but I have a couple for this business too. One of my favorite business credit cards is the Capital One Venture X Business Credit Card. It’s Capital One’s top-tier business product. I love it because there’s a big welcome offer, lounge access to over 1,300 airport lounges, annual travel credits, and a simple 2x reward on all spending (which ensures you are always earning multiples miles per dollar spent).

To help you decide if this card is for you, here’s my full review of the card and why I love it so much:

 

What is the Capital One Venture X Business Card?

The Capital One Venture X Business Credit Card is a travel rewards card issued by Capital One. It comes with a $395 annual fee that is way lower than the other premium business cards out there. And I think you can easily get way more value than the annual fee costs. Here’s a quick look at the main perks:

• 150,000 miles after spending $30,000 in the first 3 months
• 2 miles per $1 on all purchases, no category restrictions
• 5× miles on flights booked through Capital One Travel
• 10× miles on hotels and rental cars booked through Capital One Travel
• $300 annual travel credit (through Capital One Business Travel)
• Every year, you’ll get 10,000 bonus miles after your account anniversary date.
• Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
• Up to $120 statement credit for TSA Precheck or Global Entry
• No foreign transaction fees

 

Using Your Capital One Miles

Capital One miles can be redeemed in a few ways. One is by booking travel directly through Capital One’s portal. While I usually don’t recommend booking through credit card portals, to fully benefit from the Venture X’s travel credit (and to get the 5x and 10x miles offers) you’ll need to use their portal.

Another option is to use your miles to get reimbursed for any travel purchase. For 90 days after making such a purchase, you can reimburse yourself at a redemption rate of one cent per mile. After 90 days, and for all other purchases, you can use miles as cash back, at a redemption rate of 0.5 cents per mile (but avoid doing this, as it’s not a good value).

You can also use your Capital One miles in the Capital One Entertainment portal to book tickets for concerts, sports events, and more. Occasionally, Capital One offers cardholder-only events and presale opportunities too. While you’ll get just 0.8 cents per mile for tickets (not the best value), it’s still a fun and unique way to redeem miles.

However, you’ll get the most out of your miles by transferring them to Capital One’s 15+ airline and hotel partners. While the actual value varies based on what you book, you can usually find airline and hotel redemptions worth much more than the aforementioned one cent per mile. (The process is pretty straightforward and can be done through your Capital One account.)

Here are Capital One’s current travel partners:

• Accor Live Limitless
• Aeromexico Club Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Cathay Pacific Asia Miles
• Choice Privileges
• Emirates Skywards
• Etihad Airways Guest
• EVA Air Infinity MileageLands
• Finnair Plus
• I Prefer Hotel Rewards
• Japan Airlines Mileage Bank
• Qantas Frequent Flyer
• Qatar Airways Privilege Club
• Singapore Airlines KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airlines Miles&Smiles
• Virgin Red
• Wyndham Rewards

 

Pros of the Venture X Business Card

As someone who travels constantly for work, I’m always looking for ways to earn miles faster and make airport life a little less painful. I like this card for the simple 2x miles on everything. I use a lot of other cards that can get you 3 or 4x on certain categories like advertising or non-portal travel spend like flights and hotels. But when it comes to dining, museums, transportation, etc, there’s not a lot of ways to get more than 2x per dollar spent on a business card. So, I use this Venture X for anything I can’t get more than 2x per dollar.

Here’s a deep dive into some of the main perks:

$300 Travel Credit
Each year, you get a $300 credit toward bookings made through Capital One Business Travel (flights, hotels, or car rentals). If you’re already booking travel regularly, this credit is basically free money — and it immediately drops your effective annual fee from $395 to $95.

The catch? You do have to book through Capital One’s travel portal. It’s powered by Hopper, so the interface is clean and prices are usually competitive. I’ve found some good deals there.

Lounge Access
You get access to Capital One Lounges and Priority Pass lounges. Capital One’s own lounges are actually great — spacious, modern, good food — though they’re still limited location. But they are expanding how many they have and I personally think they are way better than the other lounges competitor banks have. You also get Priority Pass access t o over 1,300 lounges globally, which is a common but really nice perk.

Anniversary Bonus
Every year on your account anniversary, you’ll get 10,000 bonus miles (worth about $100 toward travel). It’s a nice “thank you” that helps offset the annual fee even further.
 

Should You Get This Card?

The Capital One Venture X Business Credit Card is best for small- to medium-sized business owners who travel regularly and can put at least $30,000 to ensure they meet the welcome offer requirements.

Overall, I think the Capital One Venture X Business is one of the best-value premium business cards out there right now. It’s not as benefit-packed or as flashy as the Amex Business Platinum or the Chase Sapphire Reserve, but it’s easier to use, has a less expensive annual fee, gets you lounge access, and an easy to understand earning structure.

It’s one of the cards I use the most often for my business. I highly recommend getting it.

Chase Ink Business Premier Credit Card overview

The Chase Ink Business Premier® Credit Card is geared toward business owners who want to earn cash-back rewards on their day-to-day purchases. Its earning rates are decent, but the $195 annual fee is high for what you get from this product since you won’t be able to transfer your rewards to Chase’s travel partners for maximum value. Card rating*: ½

* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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Chase has long offered “cash-back” credit cards that actually earn Chase Ultimate Rewards points.

That means if you have another Chase card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred® Card (see rates and fees) or the Chase Sapphire Reserve® (see rates and fees), you could transfer your cash back to an Ultimate Rewards-earning card and then use the converted points with Chase’s various airline and hotel partners.

The Chase Ink Business Premier, however, is a different story since it earns cash back that can’t be transferred to partners, regardless of what other Chase cards you have.

We recommend you have a credit score of at least 670 to increase your chances of approval for this card. You can also apply for the card using an employer identification number, which is tied to your business credit score.

The Ink Business Premier might be worth considering for some businesses looking to save money on large expenses. Here’s what you need to know.

The information for the Ink Business Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase Ink Business Premier pros and cons

Pros	Cons
Decent earning rate on all purchases outside of bonus categories Employee cards at no additional cost Travel and purchase protections Cellphone protection No foreign transaction fees	Annual fee Requires a higher spending amount for higher earning rates Can’t transfer points to Chase’s transfer partners or to another Ultimate Rewards-earning account

Chase Ink Business Premier welcome offer

New Ink Business Premier cardholders can earn $1,000 in bonus cash back after spending $10,000 on purchases within the first three months of account opening.

That easily offsets the $195 annual fee for your first year, and it’s a decent welcome offer compared to similar card options. This is the standard welcome offer we typically see on this card. Note that you’ll receive the welcome bonus as 100,000 points, which can be redeemed as $1,000 cash back.

However, plenty of travel rewards credit cards offer welcome bonuses of higher value, both for business and personal use. And while this is a large bonus for a business-focused cash-back card, most cash-back business cards come with lower annual fees.

Plus, the spending requirement for this card’s welcome bonus is quite high, so that’s something else to keep in mind.

Before applying, make sure you meet all of Chase’s application requirements, including being under the 5/24 rule.

Related: 15 cards currently offering welcome bonuses of 100,000 points or more

Chase Ink Business Premier benefits

Aside from certain protections, this card lacks travel-specific perks. However, it does have a few benefits that can bring business owners value and peace of mind. Some of these perks are similar to what other Chase Ink cards offer:

• Employee cards: Similar to other Ink cards, employee cards don’t cost the primary cardholder any additional fees.
• Cellphone protection: Coverage extends up to $1,000 per claim for up to three claims per year with a $100 deductible per claim.
• Purchase protection: This benefit covers new purchases for 120 days against damage or theft (up to $10,000 per item and up to $50,000 per account).
• Trip cancellation/interruption insurance: If your trip gets canceled or cut short because you get sick or due to severe weather or other covered situations, you can get reimbursed up to $5,000 per covered traveler (up to $10,000 total per trip) for prepaid, non-refundable travel expenses (this includes things like tours and hotel reservations).
• Extended warranty protection: Purchases with a three-year or less U.S. manufacturer’s warranty will include an additional year of coverage.
• Auto rental collision damage waiver: Enjoy primary coverage that protects against theft and damage in the U.S. and most countries around the world. You’ll get up to $60,000 in reimbursement for most vehicles with a manufacturer’s suggested retail price of $125,000 or less.

Considering you can get cellphone protection and similar benefits with the Ink Business Preferred® Credit Card for a much lower $95 annual fee, the benefits on this card aren’t especially exciting compared to the competition.

If you’re a business owner just looking for cash back on purchases, benefits may not matter as much to you. But for that higher $195 annual fee, it’s fair to expect more valuable perks like access to transfer partners or some statement credits, like one for TSA PreCheck or Global Entry.

The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Earning rewards on the Chase Ink Business Premier

To be clear, the Chase Ink Business Premier does not earn transferable Chase Ultimate Rewards points. Instead, you’ll earn:

• 5% cash back on travel booked through Chase Travel℠
• 5% cash back on Lyft purchases (through Sept. 2027)
• 2.5% cash back on purchases of $5,000 or more
• 2% cash back on all other purchases

Unlimited 2% cash back on purchases isn’t incredibly lucrative, but it is a solid return, considering you don’t have to worry about bonus categories or spending caps. Regardless of your business spending habits, you know you’re earning a decent return on your purchases.

Plus, 2.5% cash back on purchases of $5,000 or more is a nice perk for businesses that tend to have larger expenses, while that 5% category is great for businesses that anticipate booking lots of trips via Chase Travel.

Related: The top 7 credit cards to maximize large purchases

Redeeming rewards on the Chase Ink Business Premier

Cash back earned on the Ink Business Premier gets tracked as points; each dollar equates to 100 points, so when it comes to redeeming your rewards, you’ll notice that you redeem points.

Cardholders can redeem their points for cash, gift cards, travel and more. Your points are worth 1 cent each toward any of these redemption options.

Unlike some other Chase cards that earn cash back, you won’t be able to transfer the rewards you earn with the Chase Ink Business Premier into your other Chase accounts to take advantage of Chase’s airline and hotel transfer partners.

That’s a major downside to the Ink Business Premier. Based on this reason alone, we find it hard to recommend this card, as your options for maximizing your hard-earned rewards are extremely limited.

For instance, some of Chase’s “cash-back” credit cards, like the Ink Business Unlimited® Credit Card (see rates and fees) and the Chase Freedom Flex® (see rates and fees), allow you to combine your rewards from them with your higher-tier cards, including the Chase Sapphire Reserve and Ink Business Preferred.

Then, you can transfer those points to Chase’s transfer partners to get more than 1 cent per point (if not more) in value.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Which cards compete with the Chase Ink Business Premier?

Overall, given what we know Chase is capable of, the Ink Business Premier is pretty lackluster. Unless you’re a high-spending business owner who doesn’t care about flexible travel rewards, there are other options out there that may better suit your needs.

• If you want to earn transferable Ultimate Rewards points: The Chase Sapphire Reserve for Business℠ (see rates and fees) earns 4 points per dollar spent on flights and hotels booked directly, 3 points per dollar spent on social media and search engine advertising and 1 point per dollar spent on all other purchases. Plus, this card earns Ultimate Rewards, so you don’t have to worry about converting cash back from another Chase card to points. To learn more, read our full review of the Sapphire Reserve for Business.
• If you prefer American Express: The Blue Business® Plus Credit Card from American Express earns 2 Membership Rewards points per dollar spent on every purchase (on the first $50,000 spent each calendar year, then 1 point per dollar spent after that). Additionally, you can transfer points to Amex’s airline and hotel partners. Plus, this card doesn’t have an annual fee (see rates and fees), which is nice. To learn more, read our full review of the Blue Business Plus.
• If you prefer Capital One: The Capital One Spark Cash Plus earns an unlimited 2% cash back on all purchases without any spending limits. You can also get your $150 annual fee refunded every year you spend $150,000 or more in a year. To learn more, read our full review of the Capital One Spark Cash Plus.

For additional options, check out our picks for the best business cards and the best Chase cards.

Related: Chase Ink Business Preferred vs. Ink Business Premier: Which card should take a spot in your wallet?

Is the Chase Ink Business Premier worth it?

The lack of ability to transfer your points to Chase’s transfer partners or other Chase cards makes the Ink Business Premier a poor choice for those looking to maximize rewards. If you’re a small-business owner hoping to earn points to put toward award travel, we recommend looking into other cards.

Bottom line

Some business owners who have high expenses and make large purchases regularly should be able to get solid value out of this card. Yet, its lack of redemption flexibility for award travel, limited benefits and a comparatively high annual fee are all likely to strike against it for many small-business owners.

The Ink Business Premier simply doesn’t quite hold up to the competition. As a small-business owner or someone with a side hustle who wants to earn rewards, you’ll likely want to look elsewhere to meet your business credit card needs.

For rates and fees of the Amex Blue Business Plus card, click here.

Chase Ink Business Unlimited overview

The Ink Business Unlimited® Credit Card (see rates and fees) is one of the best business cards with no annual fee because it earns 1.5% back on every purchase. That cash back can be turned into valuable Chase Ultimate Rewards points when paired with an eligible Chase card. Card Rating*:

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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The Ink Business Unlimited is a small-business card that closely mirrors the popular Chase Freedom Unlimited® (see rates and fees). The Ink Business Unlimited does not charge an annual fee, and its simple reward structure is more valuable than it looks at first glance.

Although there are other cards that earn 1.5% cash back (or more), when paired with an Ultimate Rewards earning card, the Ink Business Unlimited card allows you to convert cash back to Chase Ultimate Rewards points. This means you can combine Chase points from your separate card accounts and transfer them to the Ultimate Rewards program’s various airline and hotel partners.

While not everyone is eligible for a business credit card, it may be easier to be approved than you think, provided you have a “good to excellent” credit score of 670 or above, because freelancing and other sole-proprietor enterprises can count as a business in the eyes of Chase and many other issuers.

Let’s dive into the details.

Ink Business Unlimited pros and cons

Pros	Cons
No annual fee Flat cash back on all purchases Primary insurance for car rentals Shopping protections Rewards become transferable points when paired with an eligible card	Lacks bonus categories Need another eligible Chase card to convert cash back to points

Ink Business Unlimited welcome offer

New Ink Business Unlimited cardholders earn a $900 cash back bonus after spending $6,000 on purchases within the first three months from account opening.

This limited-time offer matches the best offer we saw on the card from September to November 2024.

You can redeem the welcome bonus as cash back, gift cards or travel booked through Chase Travel℠.

However, you can more than double your return (potentially) if you pair the Ink Business Unlimited with a card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred® Card (see rates and fees).

According to TPG’s September 2025 valuations, those 90,000 Ultimate Rewards points are worth $1,845.

That’s a solid haul on a card that charges no annual fee.

Related: The best welcome offers this month

Ink Business Unlimited benefits

You get what you pay for when it comes to benefits, so it’s no surprise that the Ink Business Unlimited doesn’t offer as many perks as other cards with higher annual fees.

Its benefits are identical to those offered by the Ink Business Cash® Credit Card (see rates and fees), but they’re not quite as good as the perks offered on the Ink Business Preferred® Credit Card. Most notably, you will not get cellphone protection or trip cancellation/interruption insurance.

The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Here’s a quick rundown of what’s included:

• Purchase protection: This covers new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Auto rental collision damage waiver: When renting a car for business purposes using the Ink Business Unlimited, you can decline the rental car company’s collision insurance and be covered by the card up to the vehicle’s cash value in the case of theft or collision damage. This is valid on most rentals in the U.S. and abroad, and coverage is primary, which means it applies before your own car insurance policy.
• Extended warranty: This extends a U.S. manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
• Employee cards at no additional cost: If employees are allowed to use the account, they will be authorized users and will have equal charging privileges unless you establish individual spending limits.

Earning rewards on the Ink Business Unlimited

The Ink Business Unlimited earns 1.5% cash back on all purchases using a straightforward rewards structure that does not require thinking about rotating or bonus categories. This represents both the beauty of this card and its potential downside.

For example, if you buy airfare with this card, you could be forgoing rewards of up to 8 points per dollar spent that a card like the Chase Sapphire Reserve® (see rates and fees) offers when booking via Chase Travel.

The same goes for paying for office supplies or internet service. The Ink Business Cash earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellphone and landline services each account anniversary year (then 1% thereafter).

It also earns 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each year. All other purchases earn 1% cash back.

Be careful about only evaluating this card based on its cash-back value. The unlimited cash back offered by this card won’t give you the highest return among cash-back business credit cards — if you redeem for cash, anyway.

Related: How to pick a strategy for your small-business credit cards

Redeeming rewards on the Ink Business Unlimited

There are a few key ways to redeem your rewards: cash back, gift cards, travel or goods and services offered through Chase’s rewards program.

If you redeem for cash, you can receive your money as a statement credit or through an electronic deposit into an eligible U.S. checking or savings account. Points redeemed for cash, gift cards or travel are worth 1 cent apiece.

Transferring rewards with the Ink Business Unlimited

You can boost your redemption rate to an effective return of over 3% (based on TPG’s September 2025 valuations) on all spending if you move your points to a full-fledged Ultimate Rewards personal or business card, such as:

The other card must be registered to you, the owner of the company or a member of your household to qualify for a transfer.

The Ink Business Unlimited can represent an incredible value proposition when partnered with any of these other cards. Once you move points to an account that earns Ultimate Rewards points, you can transfer them to valuable airline and hotel partners or book travel directly through Chase Travel and receive a flat value for your points, dependent on the specific redemption. See your rewards program agreement for full details.

TPG credit card writer Danyal Ahmed holds both the Ink Business Unlimited and the Sapphire Reserve and always combines his points to transfer them to an airline. He recently transferred 75,000 points to Air Canada Aeroplan to book multicity business-class tickets for his entire family from London to Istanbul and then onward to Zurich.

Related: The power of the Chase Trifecta: Maximize your earnings with 3 cards

What cards compete with the Ink Business Unlimited?

The Ink Business Unlimited‘s competitors are cards that offer a similar return on all spending. Business credit cards that offer fixed-rate rewards include:

Related: How to choose the best credit card for your business expenses

Is the Ink Business Unlimited worth it?

The Ink Business Unlimited is a valuable option for everyday spending if you pair it with the right card. Holding a premium Chase card like the Chase Sapphire Reserve can also maximize your business credit card rewards. However, watch out for Chase’s 5/24 restrictions.

Bottom line

The Ink Business Unlimited can be valuable in maximizing your rewards from business spending.

One advantage to opening Chase business credit cards is that they won’t add to your Chase 5/24 count once they’re open, even though applying for them in the first place is subject to the rule. So, if you qualify for business credit cards, it’s a good strategy to apply for a Chase business card first, before you apply for personal credit cards with Chase or other banks, which will count toward that 5/24 limit.

This card offers a great return on everyday spending, which can be supercharged if you have another card earning Chase Ultimate Rewards points.

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Apply here: Ink Business Unlimited

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For rates and fees of the Blue Business Plus card, click here.