Ink Trifecta
The best business card combo for Ultimate Rewards
The Ink Trifecta combines three Chase Ink business cards to cover every business spend category — the Ink Preferred for travel and advertising, Ink Cash for office supplies and telecom, and Ink Unlimited for 1.5x on everything else.
Combined annual fee: $95/yr Combined bonus value: ~$5,000 3 cards
The Cards
When to Use Each Card
| Category | Best card | Earn rate |
|---|---|---|
| Travel Up to $150k combined annual limit | Chase Ink Business Preferred | 3x |
| Shipping / Advertising / Telecom Up to $150k combined annual limit | Chase Ink Business Preferred | 3x |
| Office supplies Up to $25k/year; transfer to Ink Preferred for partner transfers | Chase Ink Business Cash | 5x |
| Internet / Phone / Cable Up to $25k/year combined with office supplies | Chase Ink Business Cash | 5x |
| All other business purchases | Chase Ink Business Unlimited | 1.5x |
Pros & Cons
Pros
- Only $95 annual fee total (Cash and Unlimited are free)
- Ink Cash and Unlimited points transfer to Ink Preferred for airline/hotel redemptions
- 5x on office supplies + telecom is excellent for businesses
- Business cards generally do not appear on personal credit report
Cons
- Ink Preferred $150k annual cap on bonus categories
- Business card applications still count toward Chase 5/24 score
- Requires being approved for multiple Chase business cards
Best For
- Small business owners who want to maximize UR points
- Businesses with significant telecom, office supply, or advertising spend
- Those who want to separate business and personal Chase cards
Frequently Asked Questions
- Is the Ink Trifecta worth it?
- The Ink Trifecta offers a combined signup bonus value of approximately $5,000 with a $95/year combined annual fee. Only $95 annual fee total (Cash and Unlimited are free).
- What is the combined annual fee for the Ink Trifecta?
- The combined annual fee is $95/year. Only $95 annual fee total (Cash and Unlimited are free)
- Can I apply for all Ink Trifecta cards at once?
- It is generally better to space applications over time to manage credit inquiries and stay within issuer velocity limits. For Chase cards, apply no more than 2 cards within 30 days, and be mindful of the 5/24 rule.
- Do all cards in the Ink Trifecta earn the same points currency?
- Yes — all cards in the Ink Trifecta earn Chase Ultimate Rewards points, which pool together in your Sapphire or Ink Preferred account for transfers to airline and hotel partners.