Zero Annual Fee Cards with THE good points

If you’ve been in the points-and-miles world for even five minutes, you already know: Chase Ultimate Rewards® are some of the most valuable points you can earn.They’re flexible, easy to redeem, and insanely powerful when used for travel.

That’s why you’ll constantly see travel creators and award-booking pros talking about the Chase Ink Business® lineup.

The Chase Ink Family at a Glance

There are 4 cards in the Ink Business family:

Card	Annual Fee	Earns Ultimate Rewards?	Can Transfer to Travel Partners?
Ink Business Preferred®	$95	✔️	✔️
Ink Business Cash®	$0	✔️	❌
Ink Business Unlimited®	$0	✔️	❌
Ink Business Premier®	$195	✔️	❌

✅ Two cards have no annual fee

✅ You can hold more than one — even all four

✅ All earn Ultimate Rewards points

So where's the catch?

The Catch: Only One Card Can Transfer Points

Ultimate Rewards are at their highest value when you transfer them to Chase’s travel partners.

But here’s the twist:

🔹 Only the Ink Business Preferred® ($95 fee) allows direct transfers to travel partners.🔹 The no-annual-fee cards can earn points — but they can’t transfer them.

The Workaround (AKA: How Travel Pros Maximize Value)

If you hold any of Chase’s premium cards, you can combine points from your no-fee cards into one premium account, and then transfer them.

Premium cards that unlock transfers:

• Sapphire Preferred® (Personal Favorite)

• Sapphire Reserve® (High annual fee)

• Ink Business Preferred® (Second Personal Favorite)

  
  

✅ Once the points are combined, all of them become transferable

✅ Yes — that means free-card points become premium-value points

Example:

1. Earn 90,000 points on Ink Business Cash® (no fee)

2. Move them into your Sapphire Preferred® account

3. Transfer to Hyatt for a luxury stay worth $1,500+

Why This Strategy Is So Good

✔️ Earn huge bonuses without paying multiple annual fees

✔️ Stack multiple Ink cards for multiple welcome offers

✔️ Turn “cash-back cards” into full travel-rewards engines

✔️ Great for solopreneurs, Etsy sellers, freelancers, landlords, side hustlers, etc.

Final Take

If you already have (or plan to get) a premium Chase card, pairing it with one or more no-fee Ink cards is one of the best long-term travel strategies in the game.

Free cards + premium redemption power =🔥 Maximum points. Minimum cost. Maximum travel.

Want to Learn How to Use Transfer Partners?

I’ve got you covered — read the full guide here.