Posted on Apr 28, 2025
Updated on Apr 28, 2025
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Combining credit cards can be an excellent way to power your long-term financial strategy. Business spending is no exception. The right combo of cards can balance your company's needs and budget as well as reap rewards. It's usually best to choose cards that complement each other: one allowing you to get higher rewards in eligible categories, while the other allows you to earn a flat rebate on all other purchases. Below we've picked some business card combos that are worth putting in your wallet.
The Chase Ink Business Preferred® Credit Card is one of the best business cards on the market. It offers a valuable welcome bonus and 3X points on shipping, advertising, internet, cable, and phone services, as well as travel expenses including airfare, hotels, rental cars, and more. Rewards in these categories are capped at $150,000 in total annual spending (after reaching the cap, you'll earn 1X points per dollar).
However, it makes sense to pull out the Ink Business Unlimited® Credit Card for anything that's not a bonus category on the Preferred card. The Ink Business Unlimited offers a higher baseline rewards rate of 1.5% cash back rewards on purchases.
One of the best features of Chase credit cards is their Ultimate Rewards program, both in terms of redemption and the possibility to transfer points between your accounts. You can combine Ultimate Rewards points across your Ultimate Rewards cards, effectively maximizing the value of your points.
With both cards you'll also get additional benefits such as travel and emergency assistance and purchase protection.
If you're looking to earn travel rewards toward your next business trip, the Citi® / AAdvantage Business™ World Elite Mastercard® is a great option for business owners who frequently travel on American and are looking to earn double miles on AA purchases and in some key business spending categories like gas stations, car rentals, and telecommunications. Among other benefits are priority check-in and airport screening, first checked bag free, and 25% savings on in-flight food, beverages, and Wi-Fi.
Pair the Citi card with the BILL Divvy Corporate Card and maximize rewards with 7X points at restaurants and hotels. This card will be a good fit for businesses with consistent monthly spending and cash flow, as you need to spend at least 30% of your credit limit in a given month to get the maximum rate. The card is connected to Bill's expense management platform, which allows you to set spending limits and provides insight into business expenses. Businesses using this combo can definitely get more value out of their spending.
Chase's Ink Business Cash® Credit Card provides a lucrative 5% cash back for a no-annual-fee card on office supplies and select utilities, plus 2% cash back at restaurants and gas stations on the first $25,000 spent (then 1X points).
While the Ink Business Cash® Credit Card is a cash-back credit card, the rewards you earn come in the form of Chase Ultimate Rewards points, so you can more than double the value of your rewards if you transfer them to another card within the Ultimate Rewards family, like the Ink Business Premier® Credit Card.
The Ink Business Premier® Credit Card, in its turn, allows you to earn $1,000 cash back (or 100,000 Ultimate Rewards points) after spending $10,000 in the first three months of account opening. As for its ongoing earning potential, you can accrue 2.5% back on every purchase of $5,000 or more, and 5% back on travel purchases made through the Chase Travel portal. Regardless of business spending, cardholders can earn a base 2% back on all other purchases with no caps.
By making purchases with the cards, you can easily redeem earned rewards in a variety of ways, including travel, gift cards, cash back and more.
If you're planning a major purchase or investment for your business, such as expanding operations or buying equipment, Credibly could be your go-to solution. Credibly provides fast, flexible funding of up to $600,000 with competitive rates. You can prequalify for loans and receive funding in less than 24 hours if approved.
Combine it with the Ramp Visa Corporate Card for managing daily expenses and flexibility to get a perfect fit. The Ramp Card is a business charge card, so you'll need to pay your balance in full each billing cycle. The card has no annual fee, while saving varies by customer, and can be up to 5%. Once approved, business owners can get a virtual card and start using it immediately or wait for a physical card to arrive. What's more, Ramp account holders can order additional cards and set spending limits and alerts.
You can cover a wide variety of costs from equipment upgrades to buying real estate, acquiring another business or everyday expenses by wisely combining loans and credit cards for different expenses.
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Read moreDisclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions. All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
