{"id":97884,"date":"2024-05-20T12:00:20","date_gmt":"2024-05-20T12:00:20","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=97884"},"modified":"2026-04-08T13:57:24","modified_gmt":"2026-04-08T13:57:24","slug":"combine-chase-ink-and-sapphire-points","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/combine-chase-ink-and-sapphire-points\/","title":{"rendered":"Card Question: Do You Need a Chase Sapphire Card Before Getting a Chase Ink or Unlimited?"},"content":{"rendered":"<p>Both the <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=89740dd0aabfcfe913a6a21f00fb6e46&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and the <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=c080f0b6df92b157a1db644f750db553&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) currently offer valuable signup bonuses.<\/p>\n<p>Earning $750 after you spend $6,000 on purchases in the first 3 months from account opening is an excellent sign-up bonus \u2014 particularly for $0-annual-fee cards.<\/p>\n<p>However, you can get even more value from this sign-up bonus by combining the rewards earned through the Ink Cash or Ink Unlimited with Ultimate Rewards points earned through a <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=09960c6b726aa1a7fc24d7632a511862e&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=09960c6b726aa1a7fc24d7632a511862e&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), or <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e824c3a9e415db90598abddea2c3302c&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>By combining points with one of these cards, you'll transform the $750 sign-up bonus into 90,000 Ultimate Rewards points that can be transferred to 14 airline and hotel <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Ultimate Rewards transfer partners<\/a>.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#But_Do_You_Need_To_Have_an_Eligible_Card_First\">But Do You Need To Have an Eligible Card First?<\/a><\/li><li><a href=\"#Ink_Card_Earning_Rates\">Ink Card Earning Rates<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"But_Do_You_Need_To_Have_an_Eligible_Card_First\">But Do You Need To Have an Eligible Card First?<\/span><\/h2>\n<p>But what if you don't already have a <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a>, <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a>, or <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>? Do you need to get an eligible card first in order to transfer cash-back earnings into transferrable points someday? That's the question one AwardWallet reader posed to us in a comment:<\/p>\n<blockquote><p><em>&#8220;If I sign up for [an] Ink card now, and sign up for Chase Sapphire Reserve card in 3 months, will I be able to transfer these points at that time? Or do I need to have an existing Sapphire [card] account when applying for the Ink card?&#8221;<\/em><\/p><\/blockquote>\n<p>That's a great question. The short answer is that the timing doesn't matter \u2014 as long as you wait until after you open an eligible card to redeem your points.<\/p>\n<p>You can accumulate non-transferrable Ultimate Rewards points in your Ink card account as long as you want. Then, as soon as you get a qualifying card, you can transfer these earnings to that card to transform them into more valuable, fully-transferrable points.<\/p>\n<p><img data-aspectratio=\"750\/423\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-98545 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/03\/Combine-Chase-points-from-Ink-Cash-to-CSP-300x169.png\" alt=\"Combine Chase Ultimate Rewards points from Ink Cash to Chase Sapphire Preferred\" width=\"750\" height=\"423\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/03\/Combine-Chase-points-from-Ink-Cash-to-CSP-300x169.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/03\/Combine-Chase-points-from-Ink-Cash-to-CSP-1024x578.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/03\/Combine-Chase-points-from-Ink-Cash-to-CSP-768x433.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/03\/Combine-Chase-points-from-Ink-Cash-to-CSP-1536x867.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/03\/Combine-Chase-points-from-Ink-Cash-to-CSP.png 1701w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>In short, you can earn points now with no annual fee and then boost the value of those points later.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">How To Combine Chase Ultimate Rewards Points Between Credit Cards<\/a><\/strong><\/p>\n<h2><span id=\"Ink_Card_Earning_Rates\">Ink Card Earning Rates<\/span><\/h2>\n<p>In addition to the $750 sign-up bonus, you will earn Ultimate Rewards points on everyday spending on these Ink cards. However, the earning rate varies by card.<\/p>\n<p>The <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> is simple: Earn an unlimited 1.5% cash back on every purchase.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048113\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=c080f0b6df92b157a1db644f750db553&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a class=\"active\" href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening<\/li><li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li><li>No Annual Fee<\/li><li>Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards&#xAE;.<\/li><li>Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.<\/li><li>Round-the-clock monitoring for unusual credit card purchases<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>0% introductory APR for 12 months on purchases<\/li><li>Earn 5% total cash back on Lyft rides through 9\/30\/27.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er active\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>Meanwhile, the <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Cash<\/a> earns higher rates on some purchases but non-bonus purchases earn less. Here are the earning rates for the <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Cash<\/a>:<\/p>\n<p><div class=\"qs-card\" data-id=\"340040\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/34658cdd-f2cb-4b12-9a5a-b2b77c2cc649.png\" width=\"150\" alt=\"Ink Business Cash\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Cash\u00ae Credit Card' data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=89740dd0aabfcfe913a6a21f00fb6e46&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first three months after account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first three months after account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a class=\"active\" href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Features a $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $750 when you spend $6,000 on purchases in the first three months after account opening<\/li><li>Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year<\/li><li>Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>No Annual Fee<\/li><li>Complimentary three-month lnstacart+ membership.<\/li><li>0% introductory APR for 12 months on purchases<\/li><li>Earn 5% total cash back on Lyft rides through 9\/30\/27.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er active\"><ul>\r\n<li>5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year<\/li>\r\n<li>2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year<\/li>\r\n<li>1% cash back on all other card purchases with no limit to the amount you can earn<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>With the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-card-combo\/\" rel=\"noopener\">right Chase card combo<\/a>, you can earn 5x fully transferable Ultimate Rewards points on spending on the <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Cash<\/a>.<\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The good news is that you don't need to already have an eligible Chase card \u2014 like the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> or <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> \u2014 to eventually convert the <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Cash<\/a> or <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> sign-up bonus into transferrable Ultimate Rewards points.<\/p>\n<p>You can get the sign-up bonus now and continue earning points through either card with no annual fee. Then, when you're ready to use these points toward travel, sign up for the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> or <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> and combine your earnings to transform them into fully-transferrable points.<\/p>\n<p>With that said, now is a great time to get either the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> or <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a>.<\/p>\n<p>If you have enough <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">5\/24 spots<\/a> \u2014 and can <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">meet the minimum spending requirements<\/a> \u2014 it could be worth getting both a <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> and an Ink credit card now.<\/p>\n<p><div class=\"qs-card\" data-id=\"2061159\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0e031ace1cd6852d4e2404bfac5c95a30&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Our <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-beginners-rewards-card\/\">#1 recommended beginners rewards card<\/a> featuring a 75,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/li><li>Enjoy benefits such as 5x on travel purchased through Chase Travel&#x2120;, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases<\/li><li>Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel&#x2120;<\/li><li>10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.<\/li><li>Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12\/31\/27. Plus, a $10 promo each month on non-restaurant orders.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphirePreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><em>Got a card question? Feel free to leave a comment below, and we will do our best to answer your question. And we may just expand on the answer in a future Card Questions post!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ink Business Cash\u00ae Credit Card and Ink Business Unlimited\u00ae Credit Card both offer valuable sign-up bonuses. One reader reached out to ask if he needed to have an existing Chase Sapphire Preferred\u00ae Card or Chase Sapphire Reserve\u00ae before applying for an Ink card to convert that cash-back bonus into transferrable Ultimate Rewards points. We break down the answer in this post.<\/p>\n","protected":false},"author":53,"featured_media":165029,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12519,12709],"coauthors":[36387],"class_list":["post-97884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-application-strategy","tag-chase-ultimate-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/97884","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=97884"}],"version-history":[{"count":54,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/97884\/revisions"}],"predecessor-version":[{"id":256347,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/97884\/revisions\/256347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/165029"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=97884"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=97884"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=97884"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=97884"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}