Earning Credit Cards Of January 2023

 

Best Ultimate Rewards-Earning Credit Cards Of January 2023

The cards listed above are the only cards that offer the full-fledged benefits of the Chase Ultimate Rewards program on their own. Chase offers additional credit cards to earn points beyond these options, but without one of the above cards to unlock their full potential, those points can’t be used to book travel with extra value or transferred to travel partners.

If you already have one of the premium cards, you may be able to benefit from also picking up one of the following cards to further increase your reward-earning potential. Points earned with these cards can be transferred to your Sapphire or Ink Business Preferred account, then redeemed for travel or transferred to partners.

Personal Chase Cards That Earn Points That Can Be Combined With Ultimate Rewards

Chase Freedom Flex℠

Rewards: Earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases.Welcome Offer: Earn $200 bonus after spending $500 on purchases in the first 3 months from account opening.Annual Fee: $0

Chase Freedom Unlimited®

Rewards: Earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases.Welcome Offer: Earn 1.5% cash back bonus on everything bought in the first year as a cardholder on up to $20,000 in spending - that's worth up to $300 cash back in the first year.Annual Fee: $0

Business Chase Cards That Earn Points That Can Be Combined With Ultimate Rewards

Ink Business Cash® Credit Card

Rewards: 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 and 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.Welcome Offer: Earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.Annual Fee: $0

Ink Business Unlimited® Credit Card

Rewards: Earn 1.5% cash back rewards on every business purchase.Welcome Offer: Earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.Annual Fee: $0