| Card Details and Application Link |
|---|
Ink Business Cash® Credit Card See: How to sign up for Chase Ink cards Alternate offer: Some people have received an offer for 90K after $6K when completing an online quiz. See here for more. Recent better offer: 90K after $6K in 3 months 90K after $6K in 3 months [Expired 3-20-23] 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 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).
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.
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: 0 (the instructions say to enter the number of employees you have, not including yourself)
- 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).
Check Application Status
After submitting your application, you can check status by calling the automated status line: (888) 338-2586Reconsideration
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 |
|---|
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) |
|---|
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.
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
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
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 Program | Best Uses |
|---|---|
| Aer Lingus Avios | Fuel surcharges are sometimes lower when booking with Aer Lingus (Avios.com) rather than British Airways, Qatar, or Iberia. 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 Aeroplan | Redeem 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 Blue | Monthly 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 Avios | While 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 Skywards | The 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. |
| Hyatt | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth at least 2 cents each, but they’re sometimes worth far more. Bonus: award nights are not subject to resort fees. |
| Iberia Avios | Iberia offers very low award prices on their own flights and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| IHG | IHG dynamically prices their awards and sometimes offer very good value. IHG Premier and IHG Premier Business cards offer the fourth night free on award stays. |
| JetBlue | JetBlue 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 Bonvoy | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Singapore Airlines KrisFlyer | Use 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 Rewards | Award 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 MileagePlus | United offers free award changes and free cancelations. 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 Club | Virgin Atlantic offers a few great sweet spot awards including 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
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 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
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:
- Chase Freedom Unlimited (Joe)
- Chase Ink Business Cash (Joe)
- Chase Sapphire Reserve (Suzy)
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
Chase Ink Business Cash Lifecycle
How to meet minimum spend requirements
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 |
|---|
Ultimate Rewards Consumer Cards
| Card Offer and Details |
|---|
@greg I recently applied and was approved. Was going to take the Nick route and put a down payment on the card but they only approved me for $3k limit which I found odd since I have the Reserve, Freedom Unlimited, and Southwest Cards all with $20k+ limits. The next issue I ran into was linking my Biz Cash card with my Sapphire Reserve card. I did just sign up and may have been attempting too early to do so but any advice or can you write a post on the easiest way to link the biz account with my personal cards in my name?
I think this post will answer your question: https://frequentmiler.com/link-chase-business-and-personal-accounts-online/
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
Sorry for the very late reply. I don’t think that applying for another card will have any effect on the pending one… however, the pending application could have an effect on the new application.
So basically no reason not to apply for another card. In the end I didn’t try because I was told it’s a Chase shutdown risk (although I’ve done 2 in one day in the past). Have you heard that?
P. S thanks for taking the time to catch up on a month old comment!
I don’t believe that applying for 2 is a shutdown risk. That said, for the small percentage of people who are at risk of a shutdown due to other things such as cycling your limit many times over within a billing cycle, any time they apply they run the risk of having eyes on their accounts. Most people don’t have to worry about that.
Any chance they give you the card number upon approval? If not is it a reasonable time to ship?
I don’t think so
[…] can be an easy point-generator for Ink Cash or Ink Plus cardholders (note that the Ink Plus is no longer available to new […]
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. 🙁
Chase advertises the bonus as $750 but it is delivered in the form of 75K Ultimate Rewards points.
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?
In most cases I think it’s better to apply and then call to see if they can move credit around.
Thanks Greg!
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.
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…
Don’t use the chase app. Use Apple wallet through Apple Pay.
thanks!
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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’?
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.
I agree with Nick that it’s more likely that Chase will drop the Ink Plus than the Ink Cash (and its 5X capabilities). That said, the Ink Plus is special. If you don’t already have it, you can’t get it. For that reason, I wouldn’t recommend cancelling or product changing from it unless you’re having a hard time justifying the $95 annual fee.
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!
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.
Yes, you can get a second CIC as long as you have a second business (I’ve added this info to the “Are you eligible” section). If you only have one business, you might be able to get a second one (I’ve heard at least one positive report), but it’s a little risky. A better option if you only have one business may be to sign up for one of the other Ink cards and later product change to the CIC.
Thank you, Greg.
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[…] 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 […]
Please update this post. It does not seem to have 5x anymore. And plus this post makes no mention of the 5x cap.
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 […]
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.
Thanks for the advice. Yes, this card predates the current 5X categories so that makes sense. Too bad Chase hasn’t proactively updated the terms to the current bonuses
[…] 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 […]
[…] Ink Cash Business […]
[…] 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 […]
Does the 5x phone category includes cell phones (ATT, Verizon, T-mobile, etc.)?
Are hulu and netflix 5x categories (TV, internet)?
Yes, Yes
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 […]
It is 5x cash back, not Ultimate rewards points right?
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)
If I only have this card, can I accrue points and transfer them to P2 who has CSP?
Yes you can
[…] 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 […]