Best Chase Business Credit Cards of October 2021: Compare and Apply

Best Chase Business Credit Cards of October 2021: Compare and Apply

The Ink Business Cash® Credit Card is the best Chase business credit card for most people, offering a high rate of cash back on common business purchases for no annual fee.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

As one of the largest consumer credit issuers, Chase offers a portfolio of business cards that cater to companies with various needs. We look at all of Chase's business credit cards, from cashback cards to airline cards. Here are our top picks for Chase business credit cards:

Best Chase business credit cards October 2021

Recommended cards
Best for
Credit needed
Annual fee
Ink Business Cash® Credit Card
Ink Business Cash® Credit CardMost peopleExcellent$0
Apply Now
On Chase's Secure Website
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit CardFlat-rate cash backExcellent/Good$0
Apply Now
On Chase's Secure Website
Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit CardTravelExcellent$95
Apply Now
On Chase's Secure Website
Southwest Rapid Rewards® Performance Business Credit CardSouthwestExcellent$199
Southwest Rapid Rewards® Premier Business Credit CardSouthwest runner-upExcellent$99
United℠ Business Card
United℠ Business Card UnitedExcellent/Good$0 intro for the first year, then $99
Apply Now
On Chase's Secure Website
Recommended cards
Ink Business Cash® Credit Card
Apply Now
On Chase's Secure Website
Ink Business Unlimited® Credit Card
Apply Now
On Chase's Secure Website
Ink Business Preferred℠ Credit Card
Apply Now
On Chase's Secure Website
Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
United℠ Business Card
Apply Now
On Chase's Secure Website

Should you get a Chase business credit card? | Chase credit card benefits | Everything you need to know about Chase Ultimate Rewards | Who can apply for a Chase business credit card? | How to apply for a Chase business credit card

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Best Chase business credit card for most people

Ink Business Cash® Credit Card

On Chase's Secure Website

$0

13.24% - 19.24% Variable

Excellent

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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
  • Earn 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Our thoughts on the Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a great card for many small business owners. Cardholders 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. Earn 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 card purchases with no limit to the amount you can earn. There's a $0 annual fee on the card, but the rewards on both of these categories are capped at $25,000.

As an added incentive, new cardholders can Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Although the Ink Business Cash® Credit Card brands itself as earning "cash back," it's up to you to decide how you want to redeem your rewards.

With this card, you'll actually earn Chase Ultimate Rewards points — this means that the sign-up bonus is worth 75,000 points, which is valued at $750 in cash back, gift cards, travel purchases on the Ultimate Rewards portal and more.

Pros

  • $0 annual fee
  • High rewards rate on common purchase categories

Cons

  • Bonus categories capped at $25,000

Best for businesses with moderate expenses

Because rewards on both bonus categories are capped at $25,000 on annual purchases, this card works best for businesses with low-to-moderate expenses. After you hit the max, you'll earn 1% cash back on everything.

If your business spends more than $25,000 a year in those categories, you'll be better off with a card with no limit, like the Ink Business Unlimited® Credit Card. Or, you can opt for a card with an annual fee with much better rewards rates and benefits for your business, like the Ink Business Preferred℠ Credit Card.

Best Chase business credit card for flat-rate cash back

Ink Business Unlimited® Credit Card

On Chase's Secure Website

$0

13.24% - 19.24% Variable

Excellent/Good

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Our thoughts on the Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is a great $0-annual-fee option for businesses with unpredictable expenses month to month. You'll Earn unlimited 1.5% cash back on every purchase made for your business, so you don't have to worry about maximizing rewards in specific spending categories — unlike with the Ink Business Cash® Credit Card.

The sign-up bonus offered is identical to the one provided by the Ink Business Cash® Credit Card — you'll Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Pros

  • $0 annual fee
  • Unlimited 1.5% rewards rate

Cons

  • Other rewards cards can offer better bonuses

Best for businesses with unpredictable expenses

This card is best for business owners who have expenses across a wide variety of categories. Cards like the Ink Business Unlimited® Credit Card or Ink Business Preferred℠ Credit Card offer bonus points on certain categories with spending limits. Instead, the Ink Business Unlimited® Credit Card takes a simplistic approach with one rewards rate that may appeal to many business owners.

Best Chase business credit card for travel

Ink Business Preferred℠ Credit Card

On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Our thoughts on the Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card is one of the best business credit cards to earn travel rewards. For an annual fee of $95, you'll Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. The rewards in these bonus categories are capped at $150,000 on combined purchases per year.

Businesses with many expenses should take advantage of this fantastic sign-up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.

Because this card is designed for travel, your points can be redeemed for travel on the Ultimate Rewards portal or transferred to Chase's loyalty partners. This card also comes with $0 foreign transaction fees, making it one of the best travel business cards on the market.

Pros

  • Excellent rewards rate
  • 25% point bonus for travel
  • Transfer points to Chase's loyalty partners
  • Tremendous sign-up bonus

Cons

  • $95 annual fee

Best for business owners who want travel rewards

As mentioned above, the main benefit of the Ink Business Preferred℠ Credit Card is the opportunity to use your points for travel. By booking travel through the Ultimate Rewards portal — anything from flights, hotels to cruises — you'll receive a 25%-point bonus.

Alternatively, you can transfer your points at a 1:1 ratio to Chase's 14 partner airline and hotel programs. Rewards maximizers will love the opportunity to transfer your hard-earned Ultimate Rewards points to the following programs:

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue Air France KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club
  • IHG® Rewards Club
  • Marriott Bonvoy™
  • World of Hyatt

Best Chase business credit card for Southwest flyers

Southwest Rapid Rewards® Performance Business Credit Card

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.

Our thoughts on the Southwest Rapid Rewards® Performance Business Credit Card

The Southwest Rapid Rewards® Performance Business Credit Card is one of the best options for Southwest flyers. You'll earn and redeem rewards through the Rapid Rewards program, which can prove to be useful for those wanting to score free flights. This card offers the chance to earn 3 points per $1 spent on Southwest® purchases. 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services. 1 point per $1 spent on all other purchases.

New cardmembers earn a terrific sign-up bonus: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.

As Southwest's top business card offering, the $199 annual fee is quite reasonable. For comparison, the Delta SkyMiles® Reserve Business American Express Card​ is Delta Air Lines' top card but comes with a $550 annual fee.

Pros

  • Earn Rapid Rewards points for free flights
  • Huge sign-up bonus
  • Southwest benefits and Global Entry or TSA Precheck application credit

Cons

  • $199 annual fee
  • Not the best rewards rate for most people

Best for business owners who frequently travel on Southwest

The best part about the Southwest Rapid Rewards® Performance Business Credit Card is that it provides outstanding value year after year. Here are some of the travel benefits you'll enjoy:

  • Four upgraded boardings every year (upon availability)
  • Global Entry or TSA Precheck application fee credit, up to a $100 value
  • In-flight Wi-Fi credits
  • 9,000 bonus points each cardmember anniversary
  • Earn up to 1,500 tier-qualifying points each year, expediting your way to A-list status

For those who travel in pairs, owning this card can also help you earn your way to the coveted Companion Pass. This benefit allows you to choose one person to fly with you for free, excluding taxes and fees, when you purchase or redeem points for a flight. You'll need to fly 100 segments or earn 125,000 points in one calendar year, so the sign-up bonus can take care of 75% of this requirement.

Southwest card runner-up

Southwest Rapid Rewards® Premier Business Credit Card

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Our thoughts on the Southwest Rapid Rewards® Premier Business Credit Card

If you still prefer to fly Southwest but can't justify paying a high annual fee, consider the $99 annual fee with Southwest Rapid Rewards® Premier Business Credit Card instead. Unfortunately, the rewards rate isn't as useful for most businesses: Earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases. This card misses the mark on many travel benefits that the Southwest Rapid Rewards® Performance Business Credit Card can supply.

However, the card still comes with a sizable sign-up bonus, as new cardmembers can Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. You'll also receive 6,000 bonus points each year you renew your card. For small businesses with minimal expenses, this may be a better option for the reduced annual fee.

Pros

  • Earn Rapid Rewards points for free flights
  • Valuable sign-up bonus

Cons

  • $99 annual fee
  • Mediocre rewards rate

Best Chase business card for United flyers

United℠ Business Card

On Chase's Secure Website

$0 intro for the first year, then $99

16.49% - 23.49% Variable

Excellent/Good

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
  • Earn 2 miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for one year with DashPass, DoorDash's membership service. Activate by 12/31/21.
  • $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Our thoughts on the United℠ Business Card

The United℠ Business Card is jam-packed with travel benefits for those who prefer to fly on United Airlines and its Star Alliance partners. For starters, you'll Earn 2 miles per $1 spent on United purchases, dining, at gas stations, office supply stores and local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

New cardmembers will also Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99. Since we value MileagePlus miles at 1.1 cents each, this bonus is worth a solid $600 for your airfare needs.

Pros

  • Earn MileagePlus miles for free flights
  • United benefits
  • Annual fee waived first year

Cons

  • High annual fee after the first year

Best for business owners who frequently travel on United

If United is your preferred airline, you'll like all of the travel benefits that come with this card:

  • Free first checked bag for you and one additional traveler on your reservation
  • Priority boarding for you and any companions on the same reservation
  • $100 annual United travel credit after you purchase seven separate United travel purchases of $100 or more
  • 25% back on in-flight purchases
  • Two United Club passes each year

If you happen to own a consumer United credit card, too, you'll also receive 5,000 bonus miles every card anniversary.

ValuePenguin's verdict

Chase offers some of the most diverse business card options than any other issuer. You can't go wrong with its no-annual-fee cashback options or any of the travel cards. It's up to you to decide if you want to earn airline miles or more flexible rewards through the Chase Ultimate Rewards program. Either way, businesses of all sizes can maximize their day-to-day expenses with any of the Chase cards listed above — all for annual fees under $200. Read on to learn about the additional benefits that come with every Chase business credit card.

Should you get a Chase business card?

If you're a business owner, chances are you have a long list of operating expenses. By using a business credit card, you'll earn valuable rewards on your routine purchases, helping you reduce your expenses each month or redeem your points for free travel. Whatever your goal, Chase is one of the most popular credit card issuers, offering a plethora of consumer and business cards to choose from.

Chase Ultimate Rewards is touted as one of the best credit card rewards programs out there, thanks to its flexibility and valuable redemption options. If you already own personal cards such as the Chase Sapphire Preferred® Card or the Chase Freedom Unlimited® Card, you can stack the points you earn through the Ultimate Rewards program with a Chase business card. We also like Chase's range of airline and hotel co-branded credit cards, as you'll enjoy exclusive member benefits just for being a cardholder.

Regardless of the Chase business card you own, you'll have access to exclusive financial tools that can help you track your expenses. You can manage your business cash flow and access year-end reports, which will keep your personal finances and business expenses separate.

Before you settle on opening a business card with Chase, you'll probably want to compare your other options out there. Here's a list of our top business cards from other issuers that are also worth checking out:

Card
Annual fee
Welcome bonus
Rewards rate

The Business Platinum Card® from American Express

$595 (10/14-1/12/22)Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.
Brex For Startups$0N/AEarn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Capital One Spark Cash for Business$0 intro for first year; $95 after thatEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.Earns unlimited 2% Cash Back for your business on every purchase, everywhere
The Blue Business® Plus Credit Card from American ExpressNo annual feeN/AEarn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
The Hilton Honors American Express Business Card$95Earn Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.

To learn more about our top small business credit cards, read our roundup here.

Chase business credit card benefits

All Chase business cards come with excellent rewards, but did you know that they come with built-in travel and purchase coverage? With all of the cards listed above, you can enjoy the following protections:

Credit card
Benefits

Ink Business Cash® Credit Card

  • Auto rental collision damage waiver
  • Travel and emergency services
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection

Ink Plus® Business Credit Card

  • Auto rental collision damage waiver
  • Travel and emergency services
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection
Ink Business Preferred℠ Credit Card
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver
  • Travel and emergency services
  • Roadside dispatch
  • Cellphone protection
  • Purchase protection
  • Extended warranty protection
Southwest Rapid Rewards® Performance Business Credit Card
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Extended warranty protection
  • Purchase protection
Southwest Rapid Rewards® Premier Business Credit Card
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Extended warranty protection
  • Purchase protection
United℠ Business Card
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
  • Purchase protection
  • Extended warranty protection
  • Visa Concierge

Although you likely won't take advantage of these benefits every day, they can come in handy in emergencies. When opening your next credit card, these ancillary benefits can potentially save you hundreds or even thousands of dollars.

Which Chase business credit cards earn Ultimate Rewards?

Three Chase business cards earn rewards through the Ultimate Rewards program: the Ink Business Cash® Credit Card, the Ink Business Unlimited® Credit Card and the Ink Business Preferred℠ Credit Card. Of these three, only the Ink Business Preferred℠ Credit Card will offer the ability to transfer your points to airline and hotel programs.

Redemption options

Your Ultimate Rewards points are flexible currency, meaning you can redeem them for cash back, gift cards, Amazon.com purchases or travel. However, not all redemption options are created the same, so you'll want to save your points for the rewards that will help you gain the most value:

Which Chase business credit cards earn Ultimate Rewards

Another incentive of the Ink Business Preferred℠ Credit Card is that you'll receive a 25%-point bonus when booking travel through the Ultimate Rewards portal, stretching the value of your rewards even further.

Chase Ultimate Rewards transfer partners

With your Ink Business Preferred℠ Credit Card, you also have the option to transfer your Ultimate Rewards points to 11 airlines and three hotels at a 1:1 ratio. You must transfer your points in 1,000 point increments. The list of partner programs includes:

  • Air Canada Aeroplan
  • Aer Lingus, AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

You can score a phenomenal deal on travel by leveraging these loyalty programs. Chase offers a nice range of domestic and international airlines in all three airline alliances, so you're bound to find a great redemption on airfare.

Who can apply for a Chase business card?

Chase business cards aren't just limited to shop owners or corporate executives. If you're self-employed or a freelancer, you may be able to open a Chase business credit card using your Social Security number.

If you're thinking about applying for a Chase business card, it will be subject to the Chase 5/24 rule. This means you cannot qualify for any Chase card if you've opened more than five credit cards in the past 24 months. However, it's worth noting that opening a new Chase business credit card will not count toward your 5/24 slot and will not show up on your personal credit report.

Additionally, most Chase business cards require you to have good or excellent credit. Before starting a new credit inquiry, you'll want to make sure that you fall under these two restrictions to up your chances of approval.

How to apply for a Chase business credit card

When applying for a Chase business credit card, be prepared to provide the following personal and business information:

Personal information

  • Authorizing officer title
  • First and last name
  • Date of birth
  • Mother's maiden name
  • Social Security number (SSN) or individual tax identification number (ITIN)
  • Address
  • Total gross annual income

Business information

  • Legal business structure
  • Business legal name
  • Desired business name on card
  • Employer identification number (EIN), Social Security number (SSN) or individual tax identification number (ITIN)
  • Number of employees
  • Business phone number
  • Business established date
  • Annual business revenue
  • Business category
  • Estimated monthly spend

The information related to The Business Platinum Card® from American Express, Capital One Spark Cash for Business , The Blue Business® Plus Credit Card from American Express, The Hilton Honors American Express Business Card and Brex For Startups has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

The Capital One Spark Cash for Business card may no longer be available.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).