Ink Business Cash® Credit Card

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Card Details and Application Link
Ink Business Cash® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months
Click here to learn how to apply

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office
Other

Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025

See also: Chase Ultimate Rewards Complete Guide


The Ink Business Cash® Credit Card is one of my favorite cards. It has no annual fee, it offers awesome 5X category bonuses (and a couple decent 2X bonuses), and even though it is advertised as a cash back card it actually earns valuable Chase Ultimate Rewards points. Surprisingly this no-fee card offers a few valuable perks as well: auto rental coverage, 1 year extended warranty, and 120 day purchase protection.

Unfortunately, this card does charge foreign transaction fees, so it is not a good choice for spend outside of the US.

Ink Business Cash® Credit Card Application Tips

Should you apply?

Even though this is a business card, I think that this is one of the first cards almost all point collectors should get. It offers a terrific combination of a great signup bonus, no annual fee, super-valuable points, and awesome 5X category bonuses. If you are eligible (see next section), you should get this card.

Are you eligible?

To get this card you must have a business, and you must be under 5/24 (more on 5/24 below).

With a single business it's possible to sign up for each Chase Ink card and to earn a welcome bonus for each: Ink Business Preferred, Ink Business Cash, Ink Business Unlimited, and Ink Business Premier.
Similarly, if you have more than one business, it’s possible to get the same Chase Ink card and signup bonus for each business you own.  This is true even though the application terms state otherwise: “I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.”  Despite those terms, it's very common for people to successfully sign up up for more than one of the same Ink card across multiple businesses.
Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

How to apply

You can find the current best signup offer and application link here: Chase Ink Business Cash.

The first part of the application asks for personal info. Fill this out the same way you would fill out a consumer credit card application with your own name and home address, your income (not just your business income), etc.  For the question about your business title, answer "owner."  Next up is the business info section.  If you already have a well established business, then the answers should be straightforward. If you are just getting started with your business, below are examples of how to fill this out. These answers assume that you do not have any employees and you operate as a sole proprietorship (which is the most basic form of a business). Use your judgment to answer differently if the examples given don’t match your circumstances: Here are example answers for the business part of the application:
  • Legal business structure: Sole Proprietor
  • Business legal name: If you don’t already have a business name, I recommend using your own name as the business name.
  • Desired business name on card: Again, this can be your own name if you don’t have a business name to use.
  • Does your business use another name? No
  • Tax ID type: EIN (you can get an EIN quickly and for free from the IRS here) If you'd prefer to use your social security number as your tax ID, select SSN rather than EIN.
  • Is your business's physical address the same as your personal address? Yes
  • Number of employees: 1 (you)
  • Business phone number: Your phone number
  • Business established date: When did your business start? If you've been doing your business for years (selling stuff at yard sales, for example), it's fine to estimate the starting date.
  • Annual business revenue: $0 (or project an amount based on expected revenue)
  • Business category, Business type, Business sub-type: Pick whichever categories are closest to your business. For example, an aspiring author, artist, or musician might choose: "Arts, Entertainment, and Recreation" and "Independent Artists, Writers, Performers."
  • Estimated monthly spend: $3,000 (Use your judgement here. A higher number might lead to a larger credit line, but if it's too high it might negatively affect approval).
Keep records of your answers In some cases Chase will ask to speak with you before approving your application. In those cases, they are likely to ask some of the same questions (annual business revenue, number of years in business, total gross income, etc.). Ideally you'll answer the same as you did on the application. Check Application Status After submitting your application, you can check status by calling the automated status line: (888) 338-2586

Reconsideration

If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.

Chase Ink Business Cash Perks

Travel Protection

  • Auto Rental Coverage: Chase offers primary auto rental CDW (collision damage waiver) when renting for business purposes. Here’s the description directly from Chase: “Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.”
  • Baggage Delay Insurance: “Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.”
  • Travel Accident Insurance: “When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000.”

Purchase Protection

Extended Warranty: “Extends the time period of U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.”

Damage and Theft Protection: “Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.”

Chase Ink Business Cash Earn Points

Signup Bonus

The signup bonus for this card is advertised as cash back, but the rewards are actually delivered as Ultimate Rewards points. Here’s the current signup offer:

Card Offer
Ink Business Cash® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

Refer Friends

Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time.  When referral offers are available, Chase sends emails to eligible cardholders with the offer details.  Cardholders can also look for Chase friend referral offers here.

Bonus Spend

Card Info Name and Earning Rate (no offer)
Ink Business Cash® Credit Card
Base
Dine
Gas
Phone
Office
Other
Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025

This is where the action is… The Ink Cash card offers 5X on cell phone, cable, select streaming services, and internet on up to $25,000 in total purchases per account anniversary year.

Automated 5X

I recommend setting up autopay with your cell phone, cable, streaming services, and internet provider to charge to your Ink Business Cash card. This way you’ll automatically earn 5X on all of these bills. I suspect that many households pay $400 or more monthly on these services. $400/month in bills at 5X translates into 24,000 points per year.

5X Everywhere (ish)

5X for office supplies is the true secret weapon of this card. The reason this is so powerful is that you can earn 5X when buying gift cards at office supply stores. OfficeMax, Office Depot, and Staples all sell many different gift cards in-store. And Staples.com sells lots of gift cards online.

Shown here are a selection of gift cards available online via Staples.com

Merchant gift cards. If you plan to buy things anyway from a nationwide business, it could be worth buying gift cards for that business first. By paying for those gift cards with your Ink Cash card at an office supply store (or at staples.com), you’ll earn 5X Ultimate Rewards points. In most cases that will be significantly more than you would have earned if you paid directly.

Bank gift cards (Visa, Mastercard, Amex). Many office supply stores sell Visa, Mastercard, and Amex gift cards in-store. So, theoretically, you can buy these gift cards at office supply stores and then use them for your everyday purchases as a way to earn 5X everywhere. The problem is that the gift card fee greatly reduces the benefit of earning 5X on the purchase. Fortunately, OfficeMax, Office Depot, and Staples frequently offer discounts or rebates on the purchase of these cards. For the latest deals, check our page: Current Visa and Mastercard Gift Card Deals.

Staples.com also usually sells Visa gift cards online. Unfortunately, at the time of this writing they’ve been out of stock online for the past week or so. In the past, the best option (other than during special deals) is the $300 Visa gift card for $308.95. By paying with your Ink Cash card, you’ll earn more than enough points to make up for that fee (309 x 5 = 1545 points which are worth at least $15.45).

Gift cards with PINs. Visa and Mastercard gift cards bought at office supply stores are debit PIN enabled. This is important because it is sometimes possible to buy things or pay bills with a debit card but not with a credit card.

2X Too

Don’t forget that the Ink Cash card also earns 2X at gas stations and restaurants. Unless you have a card that offers better rewards in those places, the Ink Cash is a good choice.

Chase Ink Business Cash Redeem Points

Cash Back

Cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.

Travel

If you or another household member has a premium or ultra-premium Ultimate Rewards card, it is easy to get better than 1 cent per point value when redeeming points for travel.  The trick is to move the points from your no-fee Ultimate Rewards card to the premium card before using points to buy travel.  Chase allows you to freely move points to another card you own or to a card owned by a household member or business partner.  They call this "combining points" (see: Combine Points Across Cards in our Ultimate Rewards guide).

Redeem points for travel: 1.5 cents per point

This option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card.  First move (combine) points from your no-fee card to the Sapphire Reserve account. Next, log into Chase under the Sapphire Reserve account, and go to the Chase Ultimate Rewards portal to book your travel.  A $500 flight would usually cost 50,000 points if you used points attached to the no-fee card, but with the Chase Sapphire Reserve it would cost only 33,333 points.

Redeem points for travel: 1.25 cents per point

This option requires that someone in your household has a premium Ultimate Rewards card: Chase Sapphire Preferred or Chase Ink Business Preferred.  First move (combine) points from your no-fee card to one of these premium cards. Next, log into Chase under the account that now has the points, and go to the Chase Ultimate Rewards portal to book your travel.  A $500 flight would usually cost 50,000 points if you used points attached to a no-fee Ultimate Rewards card, but with the Chase Sapphire Preferred it would cost only 40,000 points.

Details about booking travel through Chase

You can use the Chase Ultimate Rewards portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles.  Hotels booked this way do not earn hotel rewards.  Worse, hotels booked through the portal often won't offer you elite benefits even if you have status. Unfortunately, Chase switched to an Expedia-backed portal and removed some ultra low cost carriers. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards.  There is a work-around for some carriers though.  Please see this post for details: How to book the cheapest flights with Chase Ultimate Rewards.

Travel protections apply

When you pay with points for travel, Chase's automatic travel protections do apply.  So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc.  The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections.  See: Sapphire Reserve Travel Insurance.

Transfer points

The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.

Move points to premium or ultra-premium card first

You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners.  Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.

Transfer Partners

Rewards ProgramBest Uses
Aer Lingus AviosIberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower when booking with Iberia rather than British Airways. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar.  See also: Avios Sweet Spots for Award Tickets.
Air Canada AeroplanRedeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know.
Air France KLM Flying BlueMonthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel.
British Airways AviosWhile flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets.
Emirates SkywardsThe best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be steep. See: Emirates Sweet Spot Awards - First class from 30K miles round trip.
HyattUse for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth at least 1.5 cents each, but they’re sometimes worth far more. Bonus: award nights are not subject to resort fees.
Iberia AviosIberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower when booking with Iberia rather than British Airways. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar.  See also: Avios Sweet Spots for Award Tickets.
IHGIHG dynamically prices their awards and sometimes offer very good value. IHG credit cards can increase value: IHG Select Card (no longer available to new applicants) offers a 10% rebate on awards. IHG Premier, IHG Premier Business, and IHG Traveler Cards offer fourth night free on award stays.
JetBlueJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards.
Marriott Bonvoy5th Night Free awards. Opportunities to get outsized value exist but can be hard to find.
Singapore Airlines KrisFlyerUse to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines).
Southwest Rapid RewardsAward flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.
United MileagePlusUnited offers free award changes, and free cancelations 30+ days before departure. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards.
Virgin Atlantic Flying ClubVirgin Atlantic offers a few great sweet spot awards including ANA first class between the US and Japan for as low as 55K points one-way; and US to Europe on Delta One business class for 50K points one-way. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight).

Other ways to redeem points

Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences.  With this approach you'll usually get 1 cent per point value.  One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay).  Don't do this.  These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).

Chase Ink Business Cash Manage Points

Combine Points Across Cards

If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts.  Your points can then be redeemed according to the card to which you move them.  For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.

Share Points Across Cardholders

Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free).
share Chase Ultimate Rewards with friends Why this is valuable:
  • You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
  • Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).

Transfer difficulties? Create a loop

If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:

Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.

How to Keep Points Alive

Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.

Chase Ink Business Cash Lifecycle

How to meet minimum spend requirements

Once you are approved for a Chase card, you have three months to meet the required spend in order to get the signup bonus.  Technically, you’re not supposed to use business credit cards for personal purchases, but it is quite common to do so. If you feel comfortable with it, use the new card for all of your usual spend.
If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, mortgage, contractors, etc.).  Click here to find many more options for increasing credit card spend.

Keep, cancel, or product change?

Is this card worth keeping in the long run?  Yes!  It has no annual fee and it offers 5X rewards in several categories.  What’s not to like?  If you decide to cancel anyway, make sure to first redeem any remaining points or move them to another Ultimate Rewards card.

Related Cards

Ultimate Rewards Business Cards

Card Offer and Details
Chase Ink Business Preferred Card
100K points
100K after $15K spend in 3 months

$95 Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Base
Travel
Phone
Biz
Other

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Transfer points to airline & hotel partners ⚬ Cell phone protection against theft or damage

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Plus® Business Credit Card

Card Type: Visa Signature Business

Base
Travel
Gas
Phone
Office
Other

Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels ⚬ 5X Lyft through March 2025

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Transfer points to airline & hotel partners

See also: Chase Ultimate Rewards Complete Guide

Ink Business Cash® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office
Other

Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025

See also: Chase Ultimate Rewards Complete Guide

Ink Business Unlimited® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred.


Card Type: Visa Signature Business

Base
Other

Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025

See also: Chase Ultimate Rewards Complete Guide

Ultimate Rewards Consumer Cards

Card Offer and Details
Chase Freedom Flex
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points on grocery purchases for 1st year (on up to $12K in purchases). 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.

No Annual Fee

Be sure to select the card you want after clicking through. This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Referral Offer:Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on gas purchases for 1st year (on up to $6K in purchases)

Recent better offer: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases

FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Mastercard World

Base
Dine
Shop
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter. 2022 Q2: 5x Amazon and select streaming services

Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ Cell phone protection ⚬ Lyft credits

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom Unlimited
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points on grocery purchases for 1st year (on up to $12K in purchases). 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.

No Annual Fee

This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Referral Offer:Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on gas purchases for 1st year (on up to $6K in purchases)

FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature or Platinum

Base
Travel
Dine
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom Visa

FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature or Platinum

Base
Shop
Other

Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter. 2022 Q2: 5x Amazon and select streaming services

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Preferred® Card
60K points
60K after $4K spend in 3 months

$95 Annual Fee

A similar offer with the first year annual fee waived may be found in-branch. YMMV.

Recent better offer: 100K after $4K in purchases in the first 3 months

FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025)

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ 10% annual point bonus ⚬ $50 annual credit for hotel stays booked through Chase (Those who opened card before 8/15/21 will have to wait until next account anniversary for this perk)

See also: Sapphire Preferred 100K Q&A: Everything you need to know

Chase Sapphire Reserve Card
80K Points
80K after $4K spend in 3 months

$550 Annual Fee

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Base
Travel
Dine
Other

Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025)

Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel or Pay Yourself Back ⚬ Transfer points to airline & hotel partners ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $5 monthly DoorDash in-app credit through December 2024 ⚬ Free DashPass through 2025 ⚬ Earn 10X on Lyft spend⚬ Free Lyft Pink All Access Memberhsip through December 2024

See also: Chase Ultimate Rewards Complete Guide

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Ben

Got a pending message for my application. Will applying for another card have any effect on the approval of the first card? Don’t want to waste the pull…

@Greg

Last edited 14 days ago by Ben
Steven

Any chance they give you the card number upon approval? If not is it a reasonable time to ship?

[…] can be an easy point-generator for Ink Cash or Ink Plus cardholders (note that the Ink Plus is no longer available to new […]

Steph

Hi Greg, I think the bonus offers for the Ink Cash and Unlimited have to be updated. I don’t see 75k points – only $750. 🙁

Dave

I want to apply for this card, right now I have 2 ink cards and I am probably at my credit limit from chase. Should I close a card then apply or apply first and then contact them to move credit and close card?

Dave

Thanks Greg!

Kayexelate

I was just pleasantly surprised to find out that chase business cards can now be added to apple wallet for Apple Pay. Was able to add the CIC and CIB unlimited. Just a few mos ago I tried and it didn’t work.

This is great since my spouse and I didn’t want to get additional authorized user cards and now we can just add the one card to both our Apple Pay wallets.

Rachel

How were you able to do this? I can move my personal Chase cards into the Wallet, but no way I see to do that through the Chase app…

Kayexalate

Don’t use the chase app. Use Apple wallet through Apple Pay.

Rachel

thanks!

[…] Chase Ultimate Rewards cards with no annual fee (such as Freedom Flex, Freedom Unlimited, and Ink Cash) do not directly allow point transfers to partners.  However, if you or a household member or […]

[…] See also: Chase Ink Business Cash Complete Guide […]

[…] that earns 5x on office supply store spend (we have the no-longer-available Ink Plus card, but the Chase Ink Cash card would achieve the same end) to buy Visa Gift Cards and then use those Visa Gift Cards to make […]

trackback

[…] often possible to extend the use of a category bonus by buying gift cards.  For example, the Chase Ink Cash card offers 5X for office supply store purchases (up to $25K spend per year).  You can therefore take […]

[…] Chase Ink Cash Card earns 5 Ultimate Rewards points per dollar for office supply purchases, phone, TV, and internet (up […]

[…] extend your bonus earning by buying gift cards that are good at other stores.  For example, the Chase Ink Cash card offers 5X at office supply stores (and TV, internet and phone).  You can go to Staples or Office […]

[…] are great reasons to want both the Ink Business Cash and the Ink Business Unlimited cards.  The former has incredible 5X bonus categories while the […]

[…] card offers worth considering include two other Chase Ink cards: Ink Business Unlimited and Ink Business Cash.  Each offers 50,000 points (worth at least $500) after $3,000 […]

[…] used to earn 5x on the Chase Ink Cash and Ink Plus cards when checking out via PayPal, but that no longer […]

[…] card is no longer available for new applicants, but its little-brother card, the Chase Ink Cash, offers the same structure with a lower $25K annual cap on 5x […]

[…] favorite of the cards that earn office supply bonuses is the fee-free Chase Ink Business Cash card (or the similar $95/year Ink Business Plus card which is no longer available to new cardholders).  […]

[…] one of the best category bonuses at office supply stores. For example, you could earn 5x on the Chase Ink Cash card, which could make for a really nice total discount if you’re looking to load up for […]

Ben

Looking for a bit of advice. I have an Ink Cash as well as an Ink Plus. The Ink Plus is my ‘premium’ card that I use to transfer to partners and book via Chase UR portal (for the 1.25 bonus). Currently the Ink Plus is no longer available, meaning the only publicly available Chase card that earns 5X is a no annual fee Ink Cash. The new Ink Unlimited (as you know) only earns 1.5X. My guess is that the Ink Cash is not going to earn 5X forever because it’s no AF. So I’ve justified continuing to pay the $95 AF on the Ink Plus because it a) is ‘premium’ and b) I assume will be grandfathered into 5X for quite a long time (my theory is that this ‘grandfathering’ will last longer than the Ink Cash gives 5X). I also don’t hit the $75k max 5X across both cards (I’ve never actually gone above $25k in 5X).

So, do you think I’m being overly paranoid about the Ink Cash 5X ‘going away’?

Nick Reyes

Yes, I do.

I think Chase put in the caps long ago because they are numbers with which Chase is comfortable. I could be wrong, but I wouldn’t expect either card to be discontinued in entirety any time soon. If anything, I’d expect that Ink Plus holders would eventually get converted to something different (likely the Ink Business Preferred). If they wanted to get rid of the Ink Cash, they would have discontinued it to new applicants at the same time as the Ink Plus. I think there is a greater chance of the Ink Plus going away permanently than the Ink Cash (though, again, I don’t think either is imminent).

If you’re not even spending $25K in the 5x categories, I don’t think it’s worth keeping the Ink Plus — unless you can’t get / don’t want the other premium cards. For example, if you’re over 5/24 and don’t have a Sapphire Preferred / Reserve and don’t have a card you would want to upgrade to one of those, then I’d say you need to keep the Ink Plus to be able to transfer to partners. This is just my opinion, but I’d say that if you can open another avenue for partner transfers and you’re not maxing out the Ink Plus 5x, you should drop it.

Ben

It really comes down to the fact that I’m def going to pay Chase $95/yr (at least) b/c I like their points for the travel partners and UR travel portal. So my only other options include switching to the Ink Preferred or Sapphire Preferred/Reserve. It always seems like such a close call between the value proposition of the Sapphires vs InkPlus that I end up staying with the IP and use the thought of it closing to justify my decision 🙂 . Thanks for both your input!

Alan

Are there any data points on getting a second CIC card as a sole proprietor? Any problems from Chase? I have one as a downgrade from an old Chase Ink Bold, and would like to now get another one to take advantage of 50K signup. Do I need to cancel the first and wait a certain amount of time or should I be okay just applying online for the second card? (In case it matters, I recently had Ink Biz Preferred for a year and cancelled it earlier this year.) Thanks in advance for advice.

Alan

Thank you, Greg.

[…] Chase Ink Business Cash Credit Card […]

[…] final added bonus here is that Ink Cash (and old Ink Plus) cards have been earning 5x at Gyft when you check out via PayPal. No bonus for […]

[…] can nonetheless be an easy point-generator for Ink Cash or Ink Plus cardholders (note the Ink Plus is no longer available to new applicants). Note that the […]

[…] a card that earns one of the best category bonuses at office supply stores. For example, with the Chase Ink Cash card, you’d earn 1,000 Ultimate Rewards points for each $200 Mastercard you buy. […]

[…] Now for the complete guide to the Chase Ink Business Cash Credit Card… […]

[…] is especially exciting for thos under 5/24.  Just like the Ink Business Cash card, the Ink Business Unlimited offers a welcome bonus of $500 (50,000 Ultimate Rewards points) after […]

[…] 5X categories, 50K signup bonus, and no annual fee […]

[…] a nice discount at 10% plus the chance to earn easy Ultimate Rewards points with a card like the Chase Ink Cash. If it is no longer in stock when you click the link, you can try checking back — sometimes […]

[…] a Chase Ink Cash or Chase Ink Plus (no longer available for new applicants). Pay $201.95 per card and earn 1,010  […]

[…] situation that will surely depend on your store. The ideal card with which to pay is probably the Chase Ink Cash card, though keep in mind that there’s also an active Chase Offer for 10% back (up to $10 […]

[…] + activation)  -$10.00 instant discount $403.90 + 2019.5 Ultimate Rewards (if paying with the Chase Ink Cash) OR $20.20 cash […]

[…] a card that earns one of the best category bonuses at office supply stores. For example, with the Chase Ink Cash card, you’d earn 1,000 Ultimate Rewards points for each $200 Mastercard you buy. […]

[…] 5%: Chase Ink Business Cash: 5% back for phone, internet, cable, and office supply store purchases, up to $25K per year.  No […]

[…] promotions for negative-cost Visa Gift Cards, this can nonetheless be an easy point-generator for Ink Cash or Ink Plus cardholders (note the Ink Plus is no longer available to new applicants). Note that […]

[…] We’ve seen other deals for $10 off of $50 in Happy Cards recently from Office Max and others, but let’s assume you spend $63 at Staples. Surely you’re using a card that earns 5x at Staples, so that’s also 315 Ultimate Rewards points if you’re paying with a Chase Ink Cash Card. […]

[…] Greg’s experience, paying the monthly Google Fi bill codes as a 5x merchant via Chase Ink Cash, but buying the device coded at 1x. Long term, you’ll want to use a card that offers cell […]

[…] need to buy something at Staples today, stacking 10x United miles with 5x Ultimate Rewards via the Chase Ink Cash card (or old Ink Plus card) is an excellent […]

[…] and for the fact that purchases paid through PayPal have been known to earn 5x when paid with a Chase Ink Cash (or old Ink Plus) […]

[…] Gift Cards starting tomorrow (11/25/18) and ending on Saturday 12/1/18. Paired with 5x on a Chase Ink Cash card, that’s a great opportunity if you have a use for Happy […]

[…] a great deal, especially when combined with a card that earns 5x at office supply stores like the Chase Ink Cash […]

[…] is currently offering 5x for purchases at Staples.com. That is notable since those with the Ink Cash Card (or the no-longer-available Ink Plus) can stack that with earning 5x on their credit card for […]

[…] cards from a store where you earn a category bonus — like buying them from Staples with an Ink Cash Card — or from a store where you can trigger an Amex Offer. We’ve seen some opportunities to […]

[…] Three credit cards offer 5 points per dollar at office supply stores: Chase Ink Business Cash, Chase Ink Business Plus (no longer available to new applicants), and Amex Simply Cash Plus.  If […]

[…] Chase Ink Business Cash: 5X office supply, cell phone, internet […]

[…] phone bill with the Prestige card.  Personally I’m not willing to give up 5X earning with my Ink Business Cash card, so I won’t take advantage of […]

[…] Ink Cash: 5x Office Supply […]

[…] Rewards post, is the easy ability to earn Ultimate Rewards at 5x. That’s because the Chase Ink Cash earns 5x at office supply stores on up to $25,000 per year in purchases (and some readers still […]

[…] promotions for negative-cost Visa Gift Cards, this can nonetheless be an easy point-generator for Ink Cash or Ink Plus cardholders (note the Ink Plus is no longer available to new applicants). Note that the […]

Hans Mast

Please update this post. It does not seem to have 5x anymore. And plus this post makes no mention of the 5x cap.

Nick Reyes

The Ink Cash card does still have 5x categories. Perhaps you’re looking at a different card — like the Ink Business Unlimited? You may have to scroll around to find the card you want.

Good suggestion on the 5x cap – I’ve added that info to the bonus categories section.

[…] purchases to make at Office Max / Office Depot today and it would stack nicely with 5x rewards on a Chase Ink Cash card. The terms state that gift cards are excluded, and that might be the case. I have not made Office […]

[…] have either of those offers available, this can still be a good deal when stacked with 5x on an Ink Cash card or other cards that earn the Best Category Bonuses at office supply […]

[…] is a nice deal because you could stack it with 5x on a Chase Ink Cash (or Ink Plus, which is no longer available for new applicants) or use another card that eanrs one […]

[…] you choose). Still, this is a good deal especially since Swych purchases paid for with a Chase Ink Cash (or Ink Plus) card through PayPal have been known to code at […]

[…] still show the current 5X and 2X rewards categories (You can find the application by starting on Frequent Miler’s Ink Cash information page and clicking through from […]

[…] gift card. Best of all, Swych purchases have been known to code at 5x when purchased with the Ink Cash card and paying through PayPal (or the no longer available Ink Plus). If you have the Chase […]

[…] notes: If you pay with a Chase Ink Plus or Ink Cash, the $8.95 fee is more than made up for by the 5X Ultimate Rewards points earned (5 X 308.95 = 1545 […]

[…] is an awesome offer for a card with no annual fee and matches the current opening offer on the Chase Ink Cash. While some people had speculated that the Chase Ink Cash would be discontinued upon the release of […]

[…] Chase Ink Business Cash (no annual fee) 1X base; 5X office supplies, 5X cellular/landline/cable, 2X gas and restaurants […]

[…] week. Wednesday, 5/9/18 only, that list includes Staples.com. Paired with 5x from a card like the Chase Ink Cash or another card that earns one of the Best category bonuses at office supply stores, that could […]

[…] a nice discount at 10% plus the chance to earn easy Ultimate Rewards points with a card like the Chase Ink Cash. If it is no longer in stock when you click the link, you can try checking back — sometimes […]

[…] a nice discount at 10% plus the chance to earn easy Ultimate Rewards points with a card like the Chase Ink Cash. If it is no longer in stock when you click the link, you can try checking back — sometimes […]

[…] Chase Freedom: 5X in rotating categories each quarter […]

[…] the ability to get 10% off at Whole Foods in addition to earning an easy 5x with a card like the Ink Cash card (currently featuring an increased signup bonus). In my experiences, Staples gift card […]

[…] a link on our Best Offers page or more information on our dedicated Chase Ink Cash Business Credit Card […]

Steve

I’ve had this card for years and after subscribing to your newsletter last year thought I was getting the 5x benefits that I read here time and time again. However, my recent cash back amount didn’t quite add up and I noticed the following on my statement: “Of your $40 cash back monthly maximum. You’ll earn 1% cash back per $1 on every purchase–plus an additional 2% cash back (total of 3%) per $1 on the first $2,000 spent, per month, in combined purchases: gas stations, restaurants, office supply stores and home improvement stores.” I thought I must have another card, but after reading and re-reading your description it appeared that I did, indeed, have this card so I called and asked why I wasn’t getting the benefits that even their online description of the card stated as you state above. “Oh, you are a long term customer and have the original terms [perhaps from 2006] of the card from when you obtained the card,” I was told. “We can update your card to reflect the current cash back terms if you’d like.” “Yes, I would like that,” was the only logical answer. Feel free to let others know in case they, too, have older cash back terms on this card, and thank you for stating the current benefits.

[…] that might help make up for not having the Bank of America deal. Also note that paying with your Ink Cash or Ink Plus (no longer available to new applicants) would yield 5x on the full purchase price […]

[…] for a $150 card. Additionally, purchases through the Swych app have been known to earn 5x on the Chase Ink Cash or Ink Plus cards when paying with […]

[…] the Chase Offer or the Amex Offer, use a card that earns 5x / 5% at office supply stores like the Chase Ink Cash (or Ink Plus if you still have it). See our Best Category Bonuses page for other […]

[…] rewards, you’ll want to buy two $200 gift cards and pay with a card that earns 5x like the Chase Ink Cash card. Assuming you are selling the Staples gift card, the final math would look like […]

[…] rewards, you’ll want to buy two $200 gift cards and pay with a card that earns 5x like the Chase Ink Cash card. Assuming you are selling the Staples gift card, the final math would look like […]

[…] by paying with a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus or Chase Ink Cash. To maximize rewards and minimize activation fees as a percentage of cost, you would want to buy […]

[…] $100 AirBnB gift card for $91. Purchases from PayPal Digital Gifts have been known to code at 5x on Chase Ink Cash and Ink Plus cards. According to at least one report I’ve read, they may also code as 3X on […]

[…] gift card rebates are still an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

P

Does the 5x phone category includes cell phones (ATT, Verizon, T-mobile, etc.)?

Are hulu and netflix 5x categories (TV, internet)?

P

Oh very nice! My sister is under 5/24 and she doesn’t like having a lot of cards with annual fees but has a CSP so this is good card for her. Easy 12000+ UR each year in those categories.

[…] the gift cards with your Chase Ink Cash or Ink Plus card to earn 5 Ultimate Rewards points per […]

[…] easily, this can still be a good deal for a free 5X on $300 in spend if you have a card such as a Chase Ink Cash or Ink Plus that earns 5X at office supply stores. See our Best Category Bonuses page for more […]

[…] $25 eBay Gift Code with it (for $200 total). PayPal Digital Gifts has been known to code at 5X on Chase Ink Cash / Chase Ink Plus (no longer available) […]

[…] gift card rebates are still an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

[…] $420 in Visa gift cards ($400 now and $20 by rebate)+ 2,069.5 Ultimate Rewards at 5X (with an Ink Cash or Ink […]

[…] Digital Gifts, which has been known to code at 5X with a Chase Ink Plus or Ink Cash card, is offering a $100 Lowe’s gift card for $90 via eBay and also 10% off $100 or more in […]

[…] extend your bonus earning by buying gift cards that are good at other stores.  For example, the Chase Ink Cash card offers 5X at office supply stores (and TV, internet and phone).  You can go to Staples or Office […]

[…] gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

Richard Shih

It is 5x cash back, not Ultimate rewards points right?

Nick Reyes

This card earns Ultimate Rewards points. If you don’t have a “premium” card also, the points can only be used for cash back (at one cent per point). If you have a “premium” Ultimate Rewards card (Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Business Preferred, Ink Plus), then you can combine your Ultimate Rewards and transfer them to partners (or, if you have the Sapphire Reserve, you can use them for 1.5 cents each towards travel)

Steven

If I only have this card, can I accrue points and transfer them to P2 who has CSP?

[…] Chase Ink Cash: 30K after $3K spend in 3 months […]

[…] Unlimited cards.  The Ink Business family of cards consists of the Ink Business Preferred, and Ink Cash.  Exiled (no longer available) members of this family include Ink Plus, Ink Bold, and Ink […]

[…] Full details about the Ink Cash Business Card can be found here.  The short version is that the card has no annual fee, and it offers great 5X Ultimate Rewards category bonuses (office supply purchases, phone, TV, and internet), up to $25K spend per year.  Remember that you can get better value from those points by freely moving the points to a premium card account such as the Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, or Ink Plus. […]

[…] gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

[…] no-fee Chase Ink Cash Business Credit Card offers 5X Ultimate Rewards points per dollar for office supply purchases, phone, TV, and internet; […]

[…] Staples gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

[…] by paying with a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus, Chase Ink Cash or Amex Simply Cash Plus Business.  To maximize rewards and minimize activation fees as a […]

[…] by paying with a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus, Chase Ink Cash or Amex Simply Cash Plus Business.  To maximize rewards and minimize activation fees as a […]

[…] you pay using a card that earns 5x like the Chase Ink Plus or Chase Ink Cash, you will earn 935 Ultimate Rewards points. Alternatively, an Amex Simply Cash Plus Business card […]

[…] you have an Ink Cash card or the SimplyCash Plus Business Card, you’ll earn 5X rewards at office supply stores. Many […]

[…] Staples gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

[…] this card with the no-fee Chase Freedom Unlimited which earns 1.5X everywhere, and the no-fee Business Ink Cash which earns 5X in select categories.  Points from both no-fee cards can be moved to your Sapphire […]