The Ink Business Cash pairs well with a Sapphire card for point transfers.
This is a no-annual-fee business card that earns 5x Ultimate Rewards on the first $25,000 per year in office supply store purchases, internet, cable, and phone services. Gas stations and restaurants earn 2x on the first $25,000 per year in each category.
The critical detail: Ink Business Cash points are not directly transferable to airline and hotel partners on their own. You need a personal Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred in the same household to unlock 1:1 transfer partners. This pairing strategy is standard among points optimizers.
The welcome bonus has reached 100,000 points after meeting a spend threshold in the first three months — one of the largest no-fee bonuses available. Those points, once pooled with a Sapphire card, transfer to Hyatt (often the best redemption value), United, Southwest, and others.
For small business owners or side-hustle freelancers with meaningful spend in the 5x categories, this card is essentially free points. The annual caps on bonus categories mean heavy spenders will hit the ceiling, but for most businesses the $25,000 limits are sufficient. Keep a Sapphire card open to preserve transferability.
