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Chase is a consumer credit card powerhouse but is equally dominant in its business credit card offerings. Whether you’re refereeing soccer on the weekends for a few extra dollars or running a major software sales business, there’s a Chase business credit card that can deliver a bounty of benefits to your business.
A financial relationship with Chase can be a valuable asset that can benefit your business long-term, so the decision to secure a Chase business credit card shouldn’t be taken lightly. Managing your credit wisely with Chase can reap rewards far into the future.
With the potential for ongoing value as a foundation, join us as we look at a few key Chase business cards delivering cash-back, travel rewards, and other benefits any business owner can appreciate.
The 4 Best Chase Ink Business Credit Cards in 2024
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
First, you earn 3 points per dollar on the first $150,000 spent in combined purchases on your most common business expenses, including travel. You also earn 3x points for common business expenses such as cable, shipping, internet, phone, and advertising. That makes it easy to accumulate points quickly, redeem rewards for travel to offset business travel expenses, or even fund a family vacation.
If you take advantage of the additional 25% when redeeming points for travel through Ultimate Rewards, you could offset the annual fee, and that’s before taking into account the numerous other benefits such as cell phone protection.
Chase travel redemptions are one of the many ways that you can use Chase Ultimate Rewards for maximum value.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
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
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Small businesses just starting out can always use more cash, so having a business credit card that earns cash-back on every business expense can be a real plus.
The Ink Business Cash card rewards generously for common business purchases. With 5% cash backon the first $25,000 spent in combined purchasesat office supply stores and on internet, cable, and phone services, your earnings can add up quickly to be invested directly back into your business.
Restaurant and gas station spending earns 2% cash-back (on the first $25,000 spent in combined purchases), so if your business requires road travel, the Ink Business Cash card could be a good fit. We’ve highlighted many valuable benefits of the Ink Business Cash card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Business owners who don’t want to be bothered keeping track of bonus categories and quarterly promotions may prefer the simplicity of the no-annual-fee Ink Business Unlimited card. Every purchase earns an unlimited 1.5% cash-back that could be invested directly back into your business.
Also, if your business has any large purchases coming up, the 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, could save you money when repaying the amount back over time without interest charges.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000
$1,000
$195
Flex for Business Variable APR: 19.49% - 27.49%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Chase has introduced the Ink Business Premier® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Pros
Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Travel
Cons
$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC
Financial Snapshot
APR: Flex for Business Variable APR: 19.49% - 27.49%
Foreign Transaction Fees: None
We recommend the Ink Business Premier card if you’re a business owner with regular big-ticket purchases.
You earn 2.5% cash-back on every purchase of $5,000 or more and 2% cash-back on all other purchases. You’ll also earn 5% cash-back on travel purchased through Chase Travel. Keep in mind that this is strictly a cash-back card and its rewards cannot be transferred to airline or hotel partners.
This card has no preset spending limit, which helps high-spending business owners. No preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts to factors such as your purchase, payment, and credit history.
Lastly, you get travel insurance, cell phone protection, purchase protection, extended warranty, fraud protection, and no-additional-fee employee cards.
Additional Benefits of Chase Business Credit Cards
All of these excellent Chase business credit cards let you issue credit cards to your employees at no additional cost. Employee cards enable you to keep track of their spending and earn even more cash-back or travel rewards on business expenses you’d otherwise have to reimburse.
Having multiple Chase business credit cards allows you to receive the maximum value for your rewards. You can do this because Chase cash-back business cards earn Ultimate Rewards points that can be redeemed for cash or transferred to a premium Chase credit card for increased redemption value through Chase Travel.
The 2 Best Chase Partner-BrandedBusiness Credit Cards in 2024
If your business involves travel, you’re sure to benefit from these Chase partner-branded business credit cards that earn points or miles you can use to offset your business travel expenses or fund a personal vacation.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 75,000 bonus miles
$900
$0 introductory annual fee for the first year, then $99
21.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.
Pros
$0 introductory annual fee for the first year, then $99.
2x miles per $1 on United purchases
2x miles per $1 on dining
Cons
Doesn’t earn transferable rewards
Other United cards are more rewarding for United purchases
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Just the savings from not having to pay for a checked bag may offset the annual fee, and the rewards travel earned from the welcome offer adds to the value of the card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
Up to 120,000 Points
$1,560
$199
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Southwest® Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status.
Pros
4x points per $1 spent on Southwest purchases
3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
9,000 bonus points after your Cardmember anniversary.
Earn 4X pts on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car rental partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
The card earns 4x points on Southwest purchases, 3x points on Rapid Rewards hotel and car partners, and 2x points on ride-share, social media and search engine ads, internet, cable, and phone services.
The card comes with 4 upgraded boardings for Southwest flights and a Global Entry, TSA PreCheck, or NEXUS fee statement credit. Plus, you receive 9,000 bonus points after your card anniversary.
Bottom Line:
A partner-branded Chase business credit card is a good choice if you frequent that brand. Otherwise, select a business credit card that rewards all travel purchases and offers favorable redemption values on travel, such as the Ink Business Preferred card.
Why Do I Need a Business Credit Card?
Business credit cards can help with record-keeping and separating business expenses from your personal finances. It’s also great for managing cash flow, managing employee spending, and earning rewards.
How Is a Business Credit Card Different From a Personal Credit Card?
Business credit cards and personal credit cards effectively function the same, but business credit cards are meant to be used exclusively for business expenses and not personal expenses.
Additionally, business credit cards are likely to have higher credit limits, business-specific bonus categories, and usually offer perks to support your business and help make your bookkeeping easier.
The Definition of a Small Business
The IRS is the most reliable source for determining what constitutes a business, so we’ll use its definition of a legitimate business (which you need to be to qualify for a business credit card): “Generally, an activity qualifies as a business if it is carried on with the reasonable expectation of earning a profit.”
So, even if your business activity is small, it can still qualify as a business as long as it has “the reasonable expectation of earning a profit.”
Whether the credit card issuer approves you is another matter. Your personal credit score plays a significant role in getting approved, so you can still qualify with little or no initial business income.
Bottom Line:
No matter how small your business, you may still be approved for a business credit card if your personal credit history is strong.
Top 5 Reasons You Should Have a Business Credit Card
Keep Personal and Business Expenses Separate: Separating expenses is the primary reason to have a business card.
Cleaner Records: Business credit cards offer annual statements and tracking tools that make record-keeping easier.
Employee Spending: Chase business cards provide free employee cards that help you keep track of employee purchases.
Rewards: A rewards-earning business credit card brings more value back into your business in the form of cash-back, free travel, or benefits and perks.
Cash Flow: In months of low revenue, a business credit card can help temporarily bridge the gap until cash flow improves.
This unwritten rule, confirmed by data from credit card applicants, refers to Chase’s practice of not approving certain new Chase credit cards for those who have opened a total of 5 or more credit cards from any issuer in the past 24 months.
Before you complete the Chase business credit card application, gather the necessary information in advance:
The legalname of your business, if it has one (if not, use your personal name)
Your business entity type (sole proprietor, partnership, S corporation, or limited liability company)
Tax ID number or your Social Security number if you don’t have an Employer Identification Number
The number of years you’ve been in business
Estimated business income and total personal income (you can put zero for business income if the business is new)
Business address, even if it’s your personal address
Business phone number
Category of business plus the business type and subtype (for example, business category: professional; business type: accounting; business subtype: tax preparation)
The number of employees
Possible additional personal information
Is It Hard To Get a Chase Business Credit Card?
For the most part, it’s not hard to get approved for a Chase business credit card. Even if your business is brand-new and you haven’t made your first sale yet, you can still be approved for a Chase business credit card.
That said, you can maximize your approval odds if you have a credit score of at least 670 along with a couple of years of clean credit history.
Do I Need Revenue To Be Approved for a Business Credit Card?
Your business doesn’t have to be profitable or even have revenue to be approved for a business credit card.
However, if you’re operating your business as a side hustle, Chase may consider any other income sources you have, such as your main job, as an assurance that you can pay the charges you make on your business card.
Know Your Credit Score
Your personal credit plays a huge role in whether you qualify for a business credit card, so you should know your credit score before applying for a Chase business credit card.
Our expert guide gives you everything you need to know about how your credit score is determined and how to view your credit score for free.
Will a Business Credit Card Impact My Personal Credit?
Most credit issuers, Chase included, do not report the card activity of your business credit card to credit monitoring companies tracking your personal credit score. However, Chase does report serious delinquency, which will likely hurt your personal credit score.
Essential Tips for Completing the Chase Business Credit Card Application
Don’t Wing It: Chase is discerning when it comes to issuing credit, so take the application seriously and be as accurate as possible.
Print a Copy of the Application: If for any reason your application is not approved or Chase requests more information, you might need to speak with a representative. You’ll want to have all of the information in front of you during the conversation.
Document the Offer You’re Applying For: Take a screenshot of the credit card offer for your records. For example, if you’re applying for an 80,000-point welcome bonus for spending $5,000 in the first 3 months after card approval but the points don’t show up, you’ll have documentation of the offer.
Consider Applying in Person: If you have a current business relationship with Chase, you should leverage that relationship by applying in person at your local branch.
Complete the Application in Full: Don’t leave any spaces blank. If the information doesn’t apply to your business, write “N/A.”
You may not receive immediate notice of Chase’s decision once you apply, as your application may require in-depth review. Here’s how to handle each possibility.
Denied: Call the business credit card reconsideration line. You may be able to move around credit limits from other cards and get approved, or you may be able to provide additional information that changes the decision.
Pending: It doesn’t hurt to call, as there might be information they need to facilitate approval.
Approved: Once you’re approved, the clock starts ticking. You have a limited amount of time to complete the spending required to receive your welcome bonus offer. Once you receive your card (usually in 7 to 10 business days) you can call and confirm your offer and the cutoff date for your welcome bonus offer spending.
Can I Have Multiple Chase Business Credit Cards?
There’s no hard limit to the number of Chase business credit cards you can be approved for. This is advantageous for those who want a multiple-card setup to optimize all their different business expenses.
A strategy could be using the Ink Business Preferred card to earn 3x points on your first $150,000 spent in combined purchases toward shipping, advertising purchases made with social media sites and search engines, internet, cable, and phone services, and travel purchases. Then, you could use the Ink Business Unlimited card to earn 1.5x points on all other purchases.
That said, while there’s no hard limit to the number of Chase business cards you can hold, that doesn’t mean you’d be approved for as many as you’d like.
How We Selected the Best Chase Business Credit Cards
We used several factor to identify the best Chase business cards. Some of the most important factors included card benefits, earnings structure, bonus offers, fees, and redemption value.
Here’s some insight into our process when selecting the best Chase business cards:
Associated Card Benefits
The top Chase business cards offer benefits that can make your travel more comfortable, save you money, or provide protection should something go wrong. Benefits such as travel insurance and purchase protections are some of the perks we look for.
Earnings Structure
We look for cards that offer bonus earnings on items your business is likely to spend the most on. Cards that reward advertisement spending, utilities, travel, or even a flat rate on all purchases make it easy to accumulate rewards on all of your business expenses.
Welcome Bonus Offers
A card’s welcome bonus offer is a unique opportunity to earn a large number of rewards in a short period of time. These bonuses play a role when we recommend a business card. We provide you with the current welcome bonus offer information available to us for each card, but we also encourage you to confirm the offer and review any earnings offers before applying for any card.
Fees
The best Chase business cards come with great perks, but you also pay a higher annual fee for those perks. The benefits offered by a business credit card should potentially offset any annual fee you’ll pay.
Redemption Value
A card scores higher with us if it earns flexible rewards that allow for several options at redemption time. The best Chase business cards provide multiple possibilities for redemption, whether that’s cash-back, a bonus for Chase Travel redemptions, or transfers to airline and hotel partners.
Hot Tip:
To learn more about how we review cards, read our methodology page.
Final Thoughts
With Chase’s diverse portfolio of card offerings, you could select a combination of Chase business cards that reward all of your business spending.
Make sure you’re considering Chase’s 5/24 rule during the process, and include a Chase premium cards in the mix to gain additional redemption value for your Ultimate Rewards points through the travel portal.
Business credit cards allow you to pay for your business expenses, which keeps them separate from your personal expenses. When you apply for a business credit card, you still use your personal credit history to qualify because you’re personally responsible for any charges on the card.
How much income does my business need to qualify for a business credit card?
Your business does not need to have a substantial amount of income for you to apply for a business credit card. Your personal credit history and income play a large role in whether you get approved. When you apply for the card, the company will asked you about your business income, but you also need to provide your personal information, as you’re personally responsible for paying for any charges incurred.
How many Chase business cards can I have?
There is no specific limit to the number of Chase business cards you can have. Chase considers the amount of total credit you have with Chase, your credit history, income, and other pertinent factors. However, you can only be approved for 2 Chase credit cards within a 30-day period, and the Chase 5/24 rule can come into play regarding the number and types of cards you’re approved for.
Are Chase business cards hard to get?
Chase is not the easiest credit card issuer for approvals, so be sure to fill out your application completely, accurately, and be prepared to discuss your business with a representative if necessary. However, the effort it may take to secure Chase business cards is worth it, as Chase can be a valuable asset for your business in the long run.
Can I use my Chase business credit card for personal expenses?
Technically, you can use your Chase business card for a personal expense. However, it’s not recommended. A primary reason to secure a business credit card is to keep business and personal expenses separate. Also, there can be confusion at tax time as you try to determine which expenses on the card were personal and which were business.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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