Author Archives: Gomanson

British Airways A380 Club Europe LHR – BSL/MLH/EAP

This post is part of a series reviewing our 2015 Anniversary trip to Europe.  For a full list of the posts in this series, and for an overview of the trip, check out the index page.

After the delay at LHR we took a short bus ride to the tarmac to embark on the last leg of our flight itinerary.

British Airways Airbus A320

British Airways Airbus A320

This flight would take us to Euroairport (BSL/MLH/EAP), the strange airport with 3 different codes, on French soil, built by the Swiss.  Since British Airways short haul flights within Europe have 2 cabins, the ticketing code on our boarding pass for this leg was for business class; even though our entire booking was a first class award through American Airlines.  Intra-Europe business class with British Airways is called Club Europe.

Club Europe seats on this plane are standard size, but with the middle seat in the 3-3 configuration blocked off with a little table thing.  If you can’t get a bigger seat in the premium cabin, at least you get elbow room.  On our particular flight I think everyone in the front of the plane had their own 3 seat row to themselves.
British Airways Club Europe
After we boarded, the mechanical delay continued for 20-30 minutes, but at last we got an explanation: The captain came across the PA and explained that the problem was due to a minor failure of the landing gear.  A non-critical failure had occurred on the plane’s previous flight and it needed to be checked out thoroughly.  The captain’s explanation and apology were so eloquent that Nicoleen and I both noticed it.  We joked that his speech almost made the ~4 hour delay worthwhile!

The meal service

Our flight was just over an hour so we weren’t expecting a meal service.  We figured we might get some snacks at best.  Boy were we wrong!  The front cabin flight attendant came around and gave us a choice of a meat and cheese plate or a hot English breakfast.

I opted for the meat and cheese plate, which came with a roll, a yogurt parfait, and coffee.  I enjoyed it very much!
ba_breakfast2

Nicoleen thought the eggs, croissant, and bacon described to her when she asked about the hot English breakfast sounded good.  What she didn’t expect were the mushrooms, fried tomato, and veal sausage.  I happily relieved her of her unwanted breakfast assortments.  Nicoleen enjoyed the eggs, fruit, and little jars of jam . . . but she was very offended at being served mushrooms for breakfast, and she somehow harbors negative memories of the delectable meal pictured here:
ba_breakfast1

My after-breakfast Johnnie Walker Black Label and Diet Coke

My after-breakfast Johnnie Walker Black Label and Diet Coke

After the breakfast was concluded there was enough time to squeeze in a quick round of beverage requests.  As the culmination of over 24 hours of first class traveling, I couldn’t resist one last chance to avail myself of the rare and exciting, complimentary alcoholic beverage.

Overall

We really had no expectations for this short flight.  If anything, we figured the business class service would feel like a step down after 3 consecutive first class flights.  The fact that they managed to pack in a full meal service on our 1 hour 35 minute flight was enough to impress us.  The food quality, polite and attentive service, and thorough explanation of the delay sealed the deal.  An honest and believable apology by an airline employee goes a long way.  If not the highlight of our itinerary, this short Club Europe flight left us with a very positive impression of British Airways!

The approach to Basel. I was very excited to return to mainland Europe!

The approach to Basel. I was very excited to return to mainland Europe!

British Airways Galleries Lounge – London Heathrow (LHR)

This post is part of a series reviewing our 2015 Anniversary trip to Europe.  For a full list of the posts in this series, and for an overview of the trip, check out the index page.

After our amazing transatlantic flight we had a 3 hour layover in overcast London before the short flight to our final destination, Basel.  Well, the layover was supposed to be 3 hours.  We ended up getting a slightly longer taste of the Galleries Lounge than we would have liked.  More on that later . . .
British Airways Galleries lounge at London Heathrow
Galleries is the British Airways business class lounge.  I believe we would have had access to the Galleries First lounge as well, but we were a bit groggy this far into our 24+ hour itinerary and we saw the Galleries lounge first, so that’s where we settled in.  A quick check of our boarding passes gained us entry.  Neither Nicoleen nor I were interested in using the showers so we sought out a place to sit and set up shop.

London Heathrow airport houses two Galleries lounges in Terminal 5, and we were at the northern one.  Both were very busy when we arrived around 6:30 local time.  The lounge is located right next to the runway and it was fun to watch planes taking off and landing.  We found a little more free space “outside” on the mezzanine area, overlooking the concourse.  Our stomachs thought it was sometime after midnight, but I had declined breakfast on the long haul flight so I went in search of some food and drink.

There were some Danish type things over here:
galleries_danish

But since I was finally in Europe I was looking for something savory for breakfast.  These little warm sandwiches fit the bill:

Some had ham and some had egg and melted cheese; both were delicious.

Some had ham and some had egg and melted cheese; both were delicious.

Because everybody loves drinking at 7:00 AM, they also had tons of booze available:
galleries_booze

And in case your body was still on some vastly different time zone, you could dig into the wine and chips:

I always thought it was fish and chips . . .

I always thought it was fish and chips . . .

Besides food and drink, Galleries lounge also provided a wide selection of magazines and newspapers.  Nicoleen and I had some good laughs reading the British tabloids and catching up on the scandalous lives of celebrities we had never heard of.

In Europe, even the magazine racks are futuristic and chic.

In Europe, even the magazine racks are futuristic and chic.

One negative thing I should mention is the bathrooms.  They were hot, small, plain, and their condition was borderline deplorable. Unless I was missing some other, hidden bathroom entrance, the only ones available were all single rooms.  Even the men needed to stand in line to get in!  Sorry ladies, we’re just not used to it 🙂

As our flight’s boarding time drew nearer, we threw an extra mini Diet Coke can and bag of Sweet Chili and Sour Cream kettle chips (they were so good!) into our backpacks* and walked down to the gate.

* Travel Tip: Take full advantage of complimentary snacks and beverages by stashing a spare in your backpack or purse.  Rarely will you get any dirty looks for doing so, and you’ll be glad you have the supplies if you end up stranded on a delayed flight, on a train with no dining car, etc.  Always be prepared.

The gate was actually a bus stop where we were to load a bus that would drive us to the tarmac for outside boarding.  On the board we noticed an unspecified delay was marked on our departure flight.  The gate attendant was unable to give us a time estimate.  Despite Nicoleen’s apprehension about me missing the flight, I decided to walk back up to the Galleries lounge and see if the desk agent therein could get me any better information.

After showing my boarding pass to gain entry, I walked up to the information desk and spoke with the agent about our delay.  As she was making some calls I noticed on the departures board that our flight number had changed, which worried me a little.  The agent was very helpful and discovered the nature of the delay: a mechanical problem.  She didn’t have a time estimate but she told me there was no imminent risk of boarding.  That’s the piece of information I was looking for; I could call Nicoleen and have her come back up to wait in the lounge.

I was unable to reach her on the phone so I walked down to the gate to rescue her from the growing line of people waiting for the bus.  We went back up to the Galleries lounge and I once again showed credentials at the door.  The desk agent told me in her charming London accent to stay close to the desk so she could advise me when I would be needed at the gate.  Nicoleen needed a nap by this time so she went out to the mezzanine and found a quiet(er) spot to snooze.
galleries_slumbering
After I  had enjoyed another bag of Sweet Chili and Sour Cream chips and a couple very weakly mixed cocktails, the announcement for our boarding came over the PA.  I retrieved Nicoleen from her slumber, and we left the Galleries lounge behind to board our short flight to MLH/BSL/EAP (Euroairport).

Galleries Lounge Access

For the official word on access rules, see the Oneworld Alliance lounge access page.  In a nutshell, any passenger connecting through or departing from LHR in a business or first class booking can use Galleries lounges.  The lounge access at this airport gets a bit more complicated because of the number of lounges (see this Lounge Buddy overview) and the special rules for the British Airways Concorde Room.  In fact, the latter has such a confusing set of conditions for access, there is a multipage thread on Flyertalk just for discussing the nuances.

Overall

Although Galleries is British Airways’ business class lounge, the food and beverage choices, amenities, and decor were on par with the first class Flagship Lounge we had visited in Chicago.  Reading other reviews, it seems like the packed house we experienced is pretty common at this lounge.  Despite the bathrooms and the crowd, we definitely relaxed more than we would have in the public areas of the terminal, so the lounge served its purpose.  The dedicated agent for lounge visitors also turned out to be quite helpful.

Bi-Weekly Update (September 5, 2016)

Happy Labor Day!  This update is a few days late because I was enjoying the long weekend with my family.  Thank you for bearing with me; I know you were all anxiously checking the site for updates throughout the weekend.  🙂

State Fair 1

State Fair 2

Enjoying a beautiful day at the MN State Fair

Camping with the extended family on Labor Day weekend. You can't measure the value on that!

Camping with the extended family on Labor Day weekend. You can’t measure the value on that!

I recently came across this flyertalk thread by someone just starting out in this hobby. He wanted to know what kind of results can realistically be expected by using the credit card and points & miles tactics.  There’s a general sentiment on flyertalk that bloggers “sell a fantasy” when it comes to this hobby.  One thing I’ve always tried to do with ValueTactics is present my raw data so you can get a realistic picture of how this all works.  I am thinking about doing a whole post on this topic, but in the mean time…

Here is our points activity (transparent and unfiltered) for August:

  • earned 5,580 airline miles
  • earned 121 “other” points
  • earned 1,017 Citi Thank-You points
  • earned 632 Chase Ultimate Rewards

Free Gas Update
As you will see in the new blog posts below, it was a big few weeks for the free gas tactic.  Super America’s announced the discontinuation of Double Coupon Tuesday, I discovered a new points earning tactic for My SA Rewards, and I redeemed my last ever $25.00 value gas coupon.

Since I started tracking my free gas results in January 2014, I have pumped $1,365.57 in free gas, largely by leveraging the double coupon redemption on Tuesdays.  My total discount on gas purchases in 2016 has been 20.6%!  These numbers will decrease in the future, but I will continue to use the tactics and maximize the value of whatever opportunities are around.

New ValueTactics Blog Posts
The Man Who Earned 1.25 Million Miles . . . with Pudding is a tale of a legendary hero of points and miles.  If ValueTactics had a patron saint, the Pudding Guy would be him.
The Free Cheese Stick Loophole is a bittersweet discovery I made that could have gotten me 56 free cheese sticks a week.  But I made the discovery just in time for the deal to become far less valuable.  Read the post to take a trip into my points-calculating mind. . . if you dare!
Last Chance for Double Coupon Tuesday was last Tuesday, August 30th.  I really hope some of you with My SA Rewards points in your accounts heeded my warning and redeemed them in time to earn maximum value.

Website News
I updated the Free Gas tactical page to reflect the loss of Super America’s Double Coupon Tuesdays. I also moved around some of the sidebar elements on the site (affects mainly desktop users) to be more convenient and helpful.

Travel News
One week until our get-away to Hawaii!! Nicoleen and I couldn’t be more excited for this trip. It’s the culmination of 3 strategic credit card applications, some tactical flight and hotel bookings, and a masterpiece of child care planning (that last part all attributable to Nicoleen). It’s an interesting fall to travel to Hawaii, as the island chain recently had two rare near misses with hurricanes.

The leftovers of Hurricane Lester, seen northwest of Hawaii

The leftovers of Hurricane Lester, seen northwest of Hawaii

Credit Card News
No big news on the personal front, but if you follow these things at all, you’ve read some of the hubbub surrounding the Chase Sapphire Reserve, the honey badger of credit cards, which was just released in the end of August.  I won’t even try to delve into the details of this card in this update, but I’ll do a post on it shortly.  In the meantime, you can just google it to see what the fuss is about.

Now you’re updated. Go employ some Value Tactics!

Last Chance for Double Coupon Tuesday

Tomorrow, August 30th, is your last chance to get some major value at Super America gas stations by doubling a coupon.  You could save $25 by pumping 25 gallons of gas with a doubled $0.50 coupon.  It’s a great deal, but alas – Double Coupon Tuesday will be discontinued after this week, making tomorrow the last eligible day for this awesome tactic.

In the past 2.5 years I have saved approximately $1,000 using coupons at Super America stations.  Over half of those coupons were used on Double Coupon Tuesdays, so I attribute almost $500 in savings to having my coupons doubled.
Free Gas on Double Coupon Tuesday

If you have any My SA Rewards points,

. . .tomorrow is your last chance to redeem them at the higher rate (I estimate $2.84 per thousand points).  After tomorrow those big $0.50 coupons will eternally be worth only a mere $0.50 per gallon.  That will bring their value down to $1.42 per thousand points.

Take Action; Do Not Despair

If you have been hoarding My SA Rewards points, now is the time to use them.  For details on how to maximize the value of these points, please review my free gas tactical page, where I detail how I have saved hundreds of dollars by using this coupon method.  If you just filled up or if you never bothered to get a My SA Rewards card, don’t worry. . .

Whenever programs change for the worse or deals disappear, I always give the same advice: Use it as a lesson to create a bit of urgency for yourself (there’s no better time to start saving money than now!), but don’t despair.  Deals and opportunities come and go all the time.  The trick is to stay alert, read ValueTactics.com daily, and make sure you don’t miss the boat the next time around!

facebook likeIf you’re still confused on how to get some last minute value out of Double Coupon Tuesday at Super America stations before it is discontinued, “like” the ValueTactics Facebook page and contact me on there.  I’d love to walk you through it!

The Free Cheese Stick Loophole

I figured out a way to get 54 cheese sticks and $3.03 worth of gas for free when you make a $25 fuel purchase at Super America gas stations.  At least that’s one way to spin the convoluted points-earning scheme I have come up with.

Is this what free gas looks like to you? (Or is that just my points psychosis taking hold...)

Is this what free gas looks like to you? (Or is that just my points psychosis taking hold…)

It all started when I was in my local Super America station, talking to the cashier about the impending end of Double Coupon Tuesdays.  I was planning on buying a few hundred dollars worth of gift cards, earning 10 pts per dollar, in order to have enough points (8,750) for one last $0.50/gal coupon before the end of August.  He mentioned that another good way to quickly earn points was with the food item promotion where you earn 1000 points for every 6 items purchased.  Normally I avoid buying gas station food because it’s expensive and unhealthy.  But the cashier showed me the best deal on food items, which is 3 cheese sticks for $1.50 (regularly $0.75 each).  If you buy 6 of them for $3.00, you get 1000 points.

That perked my ears up.  When spending 8,750 points for the $0.50/gal coupon and using it on Double Coupon Tuesdays, you can get $1.00 off per gallon up to 25 gallons.  This means the points are worth $2.86 per 1000.  And now I discover I can “buy” 1000 points for $3.00 and get 6 cheese sticks out of the deal.  That’s 6 cheese sticks for $0.14!  But wait . . .

The above calculation only considers the bonus points and doesn’t account for the regular points earned on the $3.00 purchase, which is an extra 60 points.  Furthermore, if your $3.00 purchase is paid with a gift card (as it should be if you are using the free gas tactic) you earned another 30 points when you bought the gift card.

6 cheese sticks for $3.00: 60 pts for purchase + 30 pts for gift card + 1000 bonus points = 1090 pts per 6 cheese sticks purchased.

cheesepoints
At 1,090 total points for each group of 6 cheese sticks, you’d have to do it 9 times to get the 8,750 points required for the big gas coupon. This would leave you with 1,060 points leftover, which is worth $3.03 in free gas according to the above valuation.

Two sides of the same coin

You can choose to look at this deal in one of two ways.

  1. You’re buying 25 gallons of gas at a small discount, and getting the 54 cheese sticks for free, OR
  2. You’re buying the cheese sticks at a discounted price, and getting the big gas coupon (worth $25) for free.

Either way, it all revolves around the fact that Super America doubles coupons on Tuesdays and that you can buy a $0.50/gal coupon with 8,750 My SA Rewards points.  Which brings me to the next part:

Now, the kicker . . .

None of this will work after September 1st.  That’s right; My SA Rewards points will be worth exactly HALF of what they are currently worth, starting next month.  As I wrote about last week, Super America will stop double coupon Tuesdays after this month.

The moral of the story

If all the math in this deal breaks down in a few days, why waste my time explaining it to you?  Why did you just read this?  Several reasons:

  • You can still take advantage of this deal through this Tuesday.
  • Working through the calculations and point valuations for a little scheme like this probably isn’t worth much, BUT it’s exactly this type of in-depth analysis that leads to exceptionally awesome discoveries like the loophole I wrote about last week that was worth over a million frequent flyer miles.
  • The breakdown of this deal is yet another example of why you shouldn’t wait to get in the game!  Deals are always disappearing and getting downgraded.  If you enjoy getting something for nothing, traveling for free, and maximizing valuable opportunities, then read more ValueTactics.com and get in the game now!

The Man Who Earned 1.25 Million Miles . . . with Pudding

This guy is my hero.  David Phillips became a legend in the points and miles world when he earned 1,253,000 frequent flyer miles by taking advantage of a marketing promotion.  In 1999 Healthy Choice was running a promotion whereby 10 UPCs from their food products could be redeemed for 500 miles each (at your airline of choice).  They would double it to 1000 miles if the submissions were mailed before the end of May.  Mr. Phillips (a.k.a. The Pudding Guy) calculated that the miles were far more valuable than the cost of the food products themselves so he found the best deal in town, the pudding cups.  Like a good value tactician, he took full advantage of the deal before it was gone!  He bought 12,150 cups of pudding (among other food products) for $3140 and earned one and a quarter million miles!
pudding-cup-beYMcr-clipart
I can’t figure out how I was previously unaware of this legendary figure in the points world.  I recently saw the Adam Sandler movie “Punch Drunk Love” which features a fictionalized version of Mr. Phillips’s pudding escapade.  I loved the story so much I used a clip of it as a hook in my post, Don’t Hoard Points.

It was only after I used the clip that I decided to find out if such a promotion ever existed, and I discovered The Pudding Guy is real!




For a more detailed report of what this Hero of Value did, check out these links:

The archived Flyertalk blurb written by Mr. Phillips himself

A short video featuring commentary by the man

The wikipedia entry on David Phillips

Bi-Weekly Update (August 15, 2016)

In this update: new blog posts, some heavy hitting credit card news, our July points activity report, and a bit of travel news. . .

In the last update I mentioned having almost a million points and miles stored up.  In July I offloaded a nice chunk of those.  Here’s our monthly activity for July:

  • earned 2,439 airline miles
  • earned 2,088 “other” points
  • earned 274 Chase Ultimate Rewards
  • redeemed 60,175 “other” points (Capital One cash back) for $601.75 cash

July free gas report: $21.49 in free gas, with an 18% discount running average for the year!

New ValueTactics Blog Posts
Don’t Hoard Points discusses why it’s a liability to carry huge points and miles balances.
SuperAmerica Stops Double Coupon Tuesdays analyzes the news that Double Coupon Tuesdays are being discontinued at the end of the month. This development is a perfect example of why you shouldn’t hoard points!
Card Review: Chase Ink Plus takes a look at one of the heavy hitting cards from Chase.  It’s a business card, but you may still be eligible for it.  Read the review to find out more!  The current 60,000 point bonus is well worth your consideration.

small card offer pageWebsite News
I added a pretty new page featuring current credit card offers.  I also updated a few posts to reflect the current state of bonus promotions for credit cards.  Looks like the free gas tactics page will also need some tweaking after this recent news hit.

Credit Card News
All the buzz right now is about a rumored new card from Chase, the Sapphire Reserve.  The card will supposedly come with a hefty $450 annual fee but if the rumors are even mostly true, the benefits will be well worth the fee.  Several bloggers have done posts on this card, but the most recently updated one is from Milevalue.  Click here to read that post.

Travel News
Nicoleen and I are getting more and more excited for our upcoming trip to Maui!  We got the car rental squared away and we’re crossing our fingers that Delta doesn’t totally melt down again and ruin our trip!  We’ve also started preliminary plans for another warm weather trip for October 2017.  More on that later. . .

ValueTactics reader Derek recently booked a trip with points and miles for him and his wife to stay at the Park Hyatt on Mallorca for a week in October.
Park Hyatt MallorcaIt should be a pretty exciting trip, especially considering it’s almost free! We’ll get the full report from Derek after the vacation, including how he flew and stayed for free using value tactics!

Now you’re updated. Go employ some Value Tactics!

Card Review: Chase Ink Plus

UPDATE: This card has been replaced with the Ink Business Preferred.

chase ink
The Ink Plus is Chase’s Ultimate Rewards earning business credit card. With a new standard sign-up bonus of 60,000 Ultimate Rewards points, this card is a heavy hitter in terms of value potential. And the value of the Ink Plus doesn’t all lie in the sign-up bonus either; it has generous 5x and 2x category bonuses as well, making this card one you may want to keep in your wallet for the long haul.

Basic Stats
– Issuer: Chase
– Logo: Visa Signature
– Points earned: Ultimate Rewards
– 1 pt per dollar on all purchases
– 2 pts per dollar on gas and lodging
– 5 pts per dollar on phone/internet/cable, and at office supply stores
– No foreign transaction fee
– Annual fee: $95 (NOT waived the first year)

Current sign-up bonus
60,000 bonus points after $5000 spend in 3 months

In 2014 I flew to Europe and back for 60,000 United miles, transferred from Ultimate Rewards. The bonus alone on the Ink Plus could get you the same flights!

A planted giant sequoia at Insel Mainau gardens in Konstanz, Germany

A giant sequoia at Insel Mainau gardens in Konstanz, Germany

Click here to apply for the Ink Plus business card from Chase

This card has been replaced with the Ink Business Preferred.

Can I get a business card?

This question probably scares away a lot of potential card holders of this and many other business cards with lucrative sign-up bonuses. Lucky for most of you reading this, we live in the USA, where having a “business” can mean many different things. Basically any side income that you earn that doesn’t show up on a W-2 can count as a business for the purpose of applying for a business credit card.

I have heard of many examples of businesses used to apply for these cards, some more legitimate than others. I have done ceramic tile and stone installation for over 10 years and even though it’s now an form of infrequent weekend income, it definitely qualifies. I have expenses and I earn income; that’s basically all that’s required. Others I have heard of include: bicycle racing expenses and winnings, online sales (amazon and ebay), running a website, and even inconsistent odd jobs. All of these could qualify you for a business card.

When applying, my advice is to embellish where needed, but never outright lie. If you are just starting a business or online sales effort you can use projected or expected income on your application. Be optimistic about your income figures and don’t skimp when you’re asked how much you expect to put on the card. When it comes down to it, unless you have a thriving business with employees, the bank will probably base most of its decision on your personal income and credit score (if you don’t have a federal tax ID, you will use your personal SSN for the application.)

Sign-up and category bonuses

The 60,000 Ultimate Reward bonus is incredible! Even considering you pay the first year’s annual fee up front, this card’s sign-up bonus is more valuable than its non-business counterpart, the Chase Sapphire Preferred. After the initial spend of $5k, you’ll have at least 65,000 UR points. That’s enough for:

. . . And that’s just the minimum points you’ll have after meeting the $5k spend. If you have $250 in monthly cell phone and landline/cable/internet bills on this card, you’ll earn 1250 UR points a month, or 15,000 a year. That doesn’t even consider other spending you may put on the card, including the 2x point earning on gas station purchases and lodging.

My experience with the Ink Plus

When I got the card it had an elevated sign-up bonus of 70,000 points. This deal has been seen before (and even higher, but with higher minimum spends) but the 60,000 UR bonus is one of the best around, so I wouldn’t wait for an elevated bonus. I just had lucky timing.

I have had my Ink Plus for over a year. I calculated the 5x category bonus on our cellphone and internet bills just about paid for the annual fee. So additional value I get from having the card is basically free. I also use this card on business expenses (tile supplies purchased for clients) and some fuel purchases. For me the category bonuses might make this card more of a keeper than the Sapphire Preferred. I will have to make that decision soon, as my Sapphire Preferred annual fee is due soon. (Always remember to transfer your UR points to another UR account in your household before you cancel an UR-earning card!)

Should you get this card?

Yes! The total value from getting this card is easily over $2000 and can be much higher if you redeem your transferred miles tactically. If you have absolutely no travel plans in your future, the card is still worth at least $650 in the cash-out value of your points, all for a $95 annual fee. That’s $555 profit just for getting one card and making sure you meet the minimum spend. (Don’t redeem for cash though . . . the UR points are worth much more when transferred to a partner program!)

Here are some things to consider when working the Ink Plus into your overall card strategy:

  • IMPORTANT: You have to prioritize applications for Chase cards because of the 5/24 rule.
  • Ultimate Rewards points are very versatile so having a stock of them early in your value tactics career would be helpful.
  • The 60,000 UR sign up bonus is worth more than the 50,000 point bonus on the Sapphire Preferred personal card, even when accounting for the up-front $95 fee.
  • The $5000 spending requirement may be a challenge for you to meet, especially if you have other bonus spends cooking at the same time. (REMEMBER, the $95 annual fee does not count toward your bonus spend.)

The Chase Ink Plus is an amazing card for it’s category bonuses, fringe benefits, and extremely valuable sign-up bonus. If you can make the case that you have a business (not very difficult – see above), I would highly recommend that you get this card early in your points career!

Click here to apply for the Ink Plus business card from Chase

This card has been replaced with the Ink Business Preferred.