🇺🇸 Chase Ink Business 系列信用卡【全系累积 UR｜Unlimited 史高9万点, Premier 史高10万点】

【2023.11.19 更新】ink 系列中的 premier 也可以讲返现转变为 UR 积分。价值增高

Chase UR 概述

Chase Ultimate Rewards (UR) 是几个主流的银行积分体系之一，有众多航空、酒店伙伴，比如 美联航、加航、凯悦。

Chase 家信用卡有很多可以消费累积 UR 点数，但需要一张高端卡来激活转入伙伴的功能（也就是盘活 UR）。
这样的高端卡 包括以下三张：

🇺🇸 Chase Sapphire Preferred

🇺🇸 Chase Ink Business Preferred

🇺🇸 Chase Sapphire Reserved

Chase Ink 商业卡系列

本文列举对比一下大通银行墨水系列商业信用卡 Chase Ink Business credit card ，方便读者选择改入手哪一张

其中 preferred 年费低，并且可以盘活 UR； Unlimited 和 Cash 的返现都可以转为 UR； Premier 的返现只能折现，不能转入 UR 账户。 现在 Premier 也可以讲返现转为 UR 。

Ink系列商业卡的博客推荐申请链接：https://beimeiyangmao.com/refer/chaseink

Chase Ink Business Credit Card Comparison

全系列消费返利形式都是 UR （Ultimate Rewards）

	PREMIER 详细介绍	UNLIMITED 详细介绍	CASH 详细介绍	PREFERRED 详细介绍
开卡奖励	$1000 – spend $10,000 in 3 months	$900 – spend $6000 in 3 months	$750 – spend $3000 in 3 months – spend $6000 in 6 months	90,000 points – spend $8000 in 3 months
消费返现	2.5x: purchase over $5000 2x: else	1.5x: everything	5x: each anniversary year, first $25,000 on * office supply stores * internet, cable and phone services 2x: each anniversary year, first $25,000 on * gas stations * restaurants 1x: else	3x: each anniversary year, first $150,000 on * shipping purchases * advertising purchases with social media sites and search engines * internet, cable and phone services * travel 1x: else
年费 境外手续费	$195 annual fee no FTF	no annual fee FTF 3%	no annual fee FTF 3%	$95 annual fee no FTF
旅游相关保险	Auto Rental Collision Damage Waiver	Auto Rental Collision Damage Waiver	Auto Rental Collision Damage Waiver	Trip Cancellation, Interruption Insurance $5000 per person/$10,000 per trip Auto Rental Collision Damage Waiver
购物相关福利	Cell Phone Protection $1000 / 3 claims 12 months / $100 deductible Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years	Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years	Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years	Cell Phone Protection $1000 / 3 claims 12 months / $100 deductible Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years
其他福利	5x on Lyft rides through 3.31.2025	5x on Lyft rides through 3.31.2025	5x on Lyft rides through 3.31.2025	5x on Lyft rides through 3.31.2025

延伸阅读 美国🇺🇸信用卡积分转航空里程、酒店积分【总结】