👍 The Good Stuff
- ✅ Massive Bonus: 100k points is worth $1,250+ in travel.
- ✅ 3x Categories: Online Ads, Shipping, Internet/Phone services.
- ✅ Cell Phone Protection: Covers you and employees ($600/claim).
- ✅ Transfer Partners: 1:1 transfers to Hyatt, United, etc.
👎 The Bad Stuff
- ❌ High Spend Requirement: Must spend $8,000 in 3 months.
- ❌ Spending Cap: 3x categories capped at $150k spend/year.
- ❌ Low Base Rate: 1x points on everything else (including Dining).
The Deep Dive
For anyone who has sold a used couch on Facebook Marketplace and called it a “Logistics Company,” this card is for you. It is the best way to jumpstart your Ultimate Rewards balance.
The Barrier to Entry
The bonus is massive (usually 100k points), but the catch is the spend requirement. You must spend $8,000 in the first 3 months to get it. If you can’t hit that number naturally, do not apply. We don’t want you buying 8,000 rolls of toilet paper just to get points.
Do You Even Have a “Business”?
You probably qualify. You don’t need an LLC or storefront. You can apply as a Sole Proprietor using your Social Security Number. Do you sell stuff on eBay? Tutor kids? Drive Uber? Freelance write? Congratulations, you are a business.
The 3x Categories (Where the Magic Happens)
This card earns 3 points per $1 on the first $150,000 spent in combined categories each year:
- Online Advertising: Google/Facebook Ads (A goldmine for dropshippers).
- Shipping: FedEx, UPS, USPS.
- Internet, Cable, & Phone: Turns your monthly utility bills into points.
Cell Phone Protection
If you pay your monthly cell phone bill with this card, you (and employees listed on the bill) are covered against theft or damage up to $600 per claim ($100 deductible). AppleCare+ costs like $200. This card costs $95. Do the math.
Ink Preferred vs. Sapphire Preferred
They both cost $95. Get the Ink Preferred if you want the bigger bonus (100k vs 60k) and spend money on ads/shipping. Get the Sapphire Preferred if you want 3x on Dining/Streaming and your main spend is personal. Pro move: Get both and combine the points.