This Is Why You Should Have An Ink Cash Card: Earning 5 Points Per Dollar On Amazon+More; Master List Of Gift Cards Earning 5x

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The Chase Ink Business Cash Card is one of the most lucrative Chase cards out there thanks to its ability to earn 5 points per dollar spent. Best of all, the card has a highest ever signup bonus and no annual fee.

Signup offer:

The Ink Cash card currently offers a signup bonus of $500 in the form of 50,000 Chase Ultimate Rewards points after spending $3,000 within 3 months. The signup bonus is marketed as $500, but it will actually come in the form of 50,000 points which are worth $750-$1,000 when points are transferred into miles with the help of someone in your household having a Chase Sapphire PreferredChase Sapphire Reserveor Chase Ink Business Preferred.

Spending Categories:

Likewise, the Ink Cash card card is marketed as earning 5% and 2% cashback in bonus categories, but it actually earns 5 or 2 Chase Ultimate Rewards points per dollar spent. As each point can be worth 1.5-2 cents each, that means you’ll actually be earning an effective 7.5-10% back on the 5 point categories and 3-4% back on the 2 point categories.

You can use a card like the Chase Ink Unlimited to earn 1.5 points per dollar everywhere (also marketed as 1.5% back, but this card also actually earns more valuable points), but that card doesn’t have any special bonus categories.

Currently you can also still get 0% APR on purchases for 12 months on both the Ink Cash card and the Chase Ink Unlimited card.

Earning 5 Chase Ultimate Rewards points per dollar on all of your Amazon purchases is pretty sweet! I accomplish that by using my Ink Cash card to buy Amazon gift cards from Office Max, Office Depot, or Staples and then saving the gift cards to my Amazon account where they stack together and never expire. Personally I view that as getting 10% back on my Amazon spending, which makes Ink Cash much stronger than using Amazon’s own credit card for Amazon purchases.

Here is where you can earn 2 points per dollar on up to $25K in annual spending on the Ink Cash card:

  • Gas stations
  • Restaurants

Here is where you can earn 5 points per dollar on up to $25K in annual spending on the Ink Cash card:

  • Charges made directly with all cell phone service providers (AT&T, Boost, Cricket, Google Fi, Republic, Sprint, T-Mobile, Verizon, Virgin Mobile, etc)
  • Charges made directly with all telecom, TV, and Internet providers
  • Charges made with streaming services, like Hulu, Netflix, SiriusXM, Sling, Spotify, Tivo, and Vudu
  • Charges from Godaddy.com
  • Charges from Microsoft OneDrive
  • Charges from Samsung.com
  • Charges made in-store or online at office supply stores, like Office Depot, Office Max, and Staples.

Best of all though, you can buy gift cards for hundreds of other stores in office supply stores and on Staples.com. Office supply stores often have sales on gift cards so that you can save even more.

Office supply stores also sell Visa and Mastercard gift cards that can be used anywhere. Typically a $200 gift card costs $206.95, which would earn 1,035 points. Those points are worth much more than the $6.95 fee. However those stores also  often run promotions that I write about when you can buy the Visa or Mastercard gift cards without paying fees such as this one from Office Depot and this one from Staples.

You can also buy a $300 Visa gift card from Staples.com for $308.95. The 1,545 points you’ll earn from the purchase are worth between $23.17 (at a value of 1.5 cents per point) and $30.84 (at a value of 2 cents per point).

You can use these gift cards for purchases anywhere, while earning 5 points per dollar!

eGift cards sold on Staples.com:

Gift cards sold in Office Depot/Office Max stores:

  • Advance Auto Parts
  • Amazon (Valid for anything from Amazon and can be saved to your Amazon account)
  • Amazon Fire (Valid for anything from Amazon and can be saved to your Amazon account)
  • Amazon Kindle (Valid for anything from Amazon and can be saved to your Amazon account)
  • AMC Theaters
  • American Eagle
  • Applebee’s
  • Banana Republic
  • Barnes & Noble
  • Bass Pro Shops
  • Bath & Body Works
  • Bed Bath & Beyond/Buy Buy Baby
  • Blomingdale’s
  • Boost Mobile
  • Buffalo Wild Wings
  • Build-A-Bear
  • Burger Kind
  • CVS
  • Cabela’s
  • Catherine’s
  • Cheesecake Factory
  • Chili’s
  • Chipotle
  • Claire’s
  • Coldstone Creamery
  • Cracker Barrel
  • Dairy Queen
  • Darden
  • Delta
  • Denny’s
  • Disney
  • Domino’s
  • eBay
  • Express
  • Fandango
  • Finish Line
  • Foot Locker
  • Forever 21
  • Gap Inc/Athleta/Banana Republic/Old Navy
  • GameStop
  • Google Play/YouTube Premium
  • GreenDot
  • Groupon
  • Home Depot
  • Home Goods
  • Hulu Plus
  • Ihop
  • iTunes
  • J. Crew
  • Jack In The Box
  • JCPenney
  • Jiffy Lube
  • Jo-Ann Fabric
  • Justice
  • Kohl’s
  • Lands End
  • Lowe’s
  • Macy’s
  • Michael’s
  • MoneyPak
  • Netflix
  • Net10 Wireless
  • Nike
  • Nordstrom
  • Nordstrom Rack
  • Office Max/Office Depot
  • Old Navy
  • Olive Garden
  • Omaha Steaks
  • Outback Steakhouse
  • Petco
  • PetSmart
  • PF Chang’s
  • Prepaid AMEX (Fee applies)
  • Prepaid AMEX Serve (Fee applies)
  • Prepaid Mastercard (Fee applies)
  • Prepaid Visa (Fee applies)
  • Prepaid Visa Five Back (Fee applies)
  • Prepaid Visa Fuel Everywhere (Fee applies)
  • Prepaid Visa Movies Everywhere (Fee applies)
  • Prepaid Visa Shoes Everywhere (Fee applies)
  • Prepaid Visa Simon Malls (Fee applies)
  • Prepaid Visa Style Everywhere (Fee applies)
  • REI
  • Red Lobster
  • Red Robin
  • Regal Cinemas
  • Reloadit
  • Ruby Tuesday
  • Panda Express
  • PayLo
  • Sephora
  • Skype
  • Southwest
  • SpaFinder
  • Sports Authority
  • Starbucks
  • Stockpile
  • Subway
  • Sunglass Hut
  • TGIFridays
  • Taco Bell
  • TJMaxx/Home Goods
  • Tracfone
  • Uber/UberEats
  • Virgin Mobile
  • Zappos

Gift cards sold in Staples stores:

  • Airbnb
  • Amazon (Valid for anything from Amazon and can be saved to your Amazon account)
  • Amazon Kindle (Valid for anything from Amazon and can be saved to your Amazon account)
  • American Eagle
  • AMC Theaters
  • Applebees
  • AT&T Prepaid
  • BP
  • Barnes & Noble
  • Bath & Body Works
  • Bass Pro Shop
  • Bed Bath & Beyond/Buy Buy Baby
  • Blomingdale’s
  • Bonefish Grill
  • Boost Mobile
  • Buffalo Wild Wings
  • Build-A-Bear
  • CVS
  • Cabela’s
  • Carrabba’s
  • Cheesecake Factory
  • Chili’s
  • Chipotle
  • Coldstone Creamery
  • Cracker Barrel
  • Darden
  • Delta
  • Disney
  • eBay
  • Express
  • Fandango
  • Foot Locker
  • GameStop
  • Gap Inc/Athleta/Banana Republic/Old Navy
  • Google Play/YouTube Premium
  • Groupon
  • Happy Beauty
  • Happy Bites
  • Happy Eats
  • Happy Guy
  • Happy Her
  • Happy Lady
  • Happy Teen
  • HBO
  • Hello Fresh
  • Home Depot
  • Home Goods
  • Hotels.com
  • Hulu Plus
  • iTunes
  • J. Crew
  • JCPenney
  • Kohl’s
  • LL Bean
  • Longhorn Steakhouse
  • Lowe’s
  • Macy’s
  • Marshalls
  • Michael’s
  • Net10
  • Netflix
  • Nike
  • Nordstrom
  • Old Navy
  • Olive Garden
  • Outback Steakhouse
  • Panera
  • Petco
  • PetSmart
  • PF Chang’s
  • PlayStation Store
  • Prepaid AMEX (Fee applies)
  • Prepaid Mastercard (Fee applies)
  • Prepaid Visa (Fee applies)
  • Red Robin
  • Regal Cinemas
  • Sally Beauty
  • Sephora
  • Shell
  • Simple Mobile
  • Southwest
  • SpaFinder
  • Spotify
  • Staples
  • Starbucks
  • Subway
  • Target
  • Texas Roadhouse
  • TJMaxx/Home Goods
  • The Children’s Place
  • Total Wireless
  • Tracfone
  • Virgin Mobile
  • Wayfair
  • Wendy’s
  • Uber/UberEats
  • Ulta Beauty
  • XBox/XBox Live

These are the gift cards that I’ve found at my local stores. If you find more please post a comment!

Charitable donation:

Your local school or charity will be more than happy to accept donations of Amazon gift cards for supplies or any other useful gift cards for chinese auctions, raffles, fundraisers, etc. They will give you a tax deductible receipt for the full face value-the price you paid for the gift cards. And at the same time you’ll earn 5 points per dollar. So while doing good you can still get a nice chunk of points and you’ll save on your taxes!

Cash back on top of points:

Chase Ink cards such as Chase Ink Cash, Chase Ink Unlimited, and Chase Ink Preferred are also eligible for additional cash back via Visa Savings Edge.

That means you can earn points plus cash back at Chevron, Sheetz, AutoZone, Texaco, Boost Mobilem Alamo, National, MGM hotels, Lenovo, Wyndham hotels, and more.

Business card information, benefits, signup rules, and 5/24:

Chase Ink cards are business cards, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

It’s important to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.

You can receive a signup bonus on each type of Ink card once every 24 months for each business that you manage.

All Chase cards appear to be subject to 5/24 restrictions. That means it will be hard to get approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Read more about that here.

However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for Chase Ink cards won’t “hurt” your 5/24 count.

Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.

While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink cards are business cards, those balances won’t hurt your credit score! That makes the 0% APR on purchases for 12 months on a business card a very strong offer.

Cash back or miles?

You can cash out your points for 1% cash back. I hope that you won’t do that.

If you, an authorized user, or anyone in your household have or will get a Chase Sapphire Preferred, Chase Sapphire Reserveor Chase Ink Business Preferred your points will be more valuable.

All 3 of those cards allow points from all of the Chase cards in your household to be transferred into airline miles or hotel points.

The Sapphire Preferred and Ink Preferred cards allow you and anyone in your household to use points at a value of 1.25 cents each towards travel.

The Sapphire Reserve card allows you and anyone in your household to use points at a value of 1.5 cents each towards travel.

The Ink Cash card can’t transfer points directly into miles, but Chase allows you to transfer points to cards where they can be transferred into miles or redeemed for a greater value. My goal is to receive a value of 2 cents per point via transfers to miles and that makes the 2 point categories worth 4% back and the 5 point categories worth 10% back.

The great thing about Chase Ultimate Rewards is how versatile and valuable they are:

Chase points are effectively a “hybrid” currency. You can cash them out for 1 cent each. You can use them for paid travel at a value of 1.25 or 1.5 cents each. Or you can transfer them into airline miles or hotel points when those programs offer more value. There’s no reason to transfer those points to an airline or hotel program where they will be stuck and can be devalued. You should only transfer them on demand when you can get a great value for the transfer.

The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points.

  • If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, ParisSydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 30K points to Hyatt to do that, a value of 3 to 6 cents per point. If you earn 5 points per dollar and each points is worth 5%, that’s like getting a 25% rebate on your purchase!
  • If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
  • If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point.
  • If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 110K or 120K points to Virgin Atlantic. That’s a value of up to 23 cents per point.
  • If I want to book a $2,285 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point. Plus I’ll earn 25K United miles as it’s considered a paid flight.
  • And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.

 

Chase 1:1 transfer partners include:

  • United (Star Alliance)
  • Singapore (Star Alliance)
  • Air France/KLM Flying Blue (Skyteam)
  • British Airways (OneWorld)
  • Aer Lingus (OneWorld)
  • Iberia (OneWorld)
  • JetBlue
  • Southwest
  • Virgin Atlantic
  • Hyatt
  • IHG
  • Marriott

You can read more about creating your own Chase killer card combo here.

Do you have a Chase Ink Cash card?

Leave a Reply

185 Comments On "This Is Why You Should Have An Ink Cash Card: Earning 5 Points Per Dollar On Amazon+More; Master List Of Gift Cards Earning 5x"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

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Elinyc77

By far one of my most valuable cards and one of the main reasons I stick with chase despite the horrific phone customer service.
Great educational post.

zow

Staples in-store currently advertising 25% off Safeway, among others. But no Safeway cards in my Boston-Area store…probably find them on the Left Coast.

Jojo

For all other purchases it will be 1 point per dollar so effectively it’s better with freedom unlimited for day to do purchases.

MN

Do you get 2x at Costco Gas?

KEG

Aside from the Amazon 5% back, is there a reason to get this card if I already have the Chase Ink Preferred?

Ness

I downgraded my Biz Ink (annual fee) card to a non-AF card, called 521 or something. Does that earn 5 points per D on Amazon?

Joel

Where in the terms and conditions does it state that you earn 5% at Amazon??

HY

You didn’t discuss downside of using giftcard. Purchase protection is always a must have for me, return protection can be useful, and other benefits which you miss out on

Joel

+1

Em

When purchasing on Amazon I always feel protected. They’ll make sure to take care of you either way. Regarding buying gift cards for other stores you have a point.

zack

How do you get 2 cents out of each mile? is that just with a good redemption?

aaron b

I have the card but am not getting the 5 chase points per dollar spent on amazon what am i doing wrong?

robert

“You can receive a signup bonus on each type of Ink card once every 24 months for each business that you manage.”
Doesn’t say anything about 24 months in offer terms.

ira

where is 5 points per dollar at amazon ? i only seem to be getting 1 point since forever

Chaim

Applied online and got denied, can i try somewhere else ?

Dave

How many places you wanna try at?? Call Recon?

800-453-9719

Ramen

When purchased gift cards, is it possible for people to somehow hack the numbers and use your gift card? If so, is there anyway to get the money back?

RG

If I got the ink preferred with sign up bonus a year ago will I be able to get the signup bonus on the Ink cash?

Ben

I still have two of the Ink Business Plus which gives 5X points up to $50,000.00. Would you agree it’s worth holding on to them as Ink Cash is capped at $20,000.00?

jordan

Can i downgrade a Chase ink prefered to a chase ink cash

boondash

thanks for the info really helpful! you wrote that with the sapphire preferred card you can redeem 500 points for 750 towards travel how do i do that?

Joetraveller

Does the chase portal offer identical pricing and options for airline travel as if I were instead purchasing directly with google flights or other OTAs?

J

I evaluate The Chase points for 1.25×5=6.5 so I will rather go with the simply cash back from Amex that has a 50K Cap (instead of 25 Cap) and only earn 5% cashback.

Homebody

Once points are transferred to the Sapphire reserve/preferred, Ink preferred, can the points no longer be cashed out for cash?
I’m not much of a traveller, so trying to think what other value I can get by transferring the points and making them worth more

Zal

Hi Dan,

I have an old ink plus, that has a cap for 5% at 50K.

Wondering if it’s worth the $95 AF.

I usually don’t get to 25k.

Are there any other benefits to having the ink plus?

And can I downgrade to the ink cash no AF, or would that require a new application and credit pull?

Thanks!

J

Or can i open 2 ink cash back cards on the same business? I should have a total of 50k cap

Yf

Thanks for the post!
I’m considering between this card and the ink business preferred.
Although the preferred has a $95 AF but for that you get additional 30k points which is worth $300-$450
Interesting, Why do they name it Cash Back if you receive UR like the preferred?

dave

if I downgrade me preferred for an INK cash, can I still apply for the card and get sign up bonus?

yungermanchik

if i dont have any business at all(not even selling on amazon) am i allowed to get this card?

Berel

Amtrak GC @ Staples.com

jacob

Aren’t you getting the same 5% by amazon with the Amex amazon card? without having to buy gift cards?

Moishe

Hi Dan.
Is it worth to open a business credit card to do balance transfer from a high APR on a personal credit card?
Second q. I opened a Wells Fargo credit card thinking also to do balance transfer and they gave me $1500 max. I spoke to recon 2 times and they say since you are new to us we need to build a relation. Does it sound right?
Thanks for your hard work on helping all of us.

yanky

in your points expiration post when you write ba points need 1 point redeemed to extend expiration do member to member transfers under the same household account extend expiration?

Lyla Liberman

Staples sells shell gcs which are great to use in combo with S&S/giant gaspoints

esther

sorry sorry.. just a bit confused.
i’m an avid amazon shopper.. let’s say i but a $500 amazon gift card at staples. get 2500 points. Apply the gift card to my amazon account. Per your post “Those stores sell Amazon gift cards that you can save to your Amazon account and stack together for future purchases.Personally I view that as getting 10% back on my Amazon spending”
Do you get points when you use ur amazon gift card balance?? how are you figuring 10% on amazon spending? (i normally use the amazon card for 5% back)

S

I actually don’t value these specific spending categories very highly (I don’t spend much on Amazon), and although the 0% apr in this case is highly valuable, for me it’s not.
In my opinion, this card and the ink business unlimited is worth it for the 50k UR points with no annual fee. Other than the longtime Sapphire Preferred offer, that has since changed, this seems like the highest value of points you can get on a no annual fee card.

S

So the rumors never panned out?
Do you expect them to?
Do you think theh may offer a different benefit to outweigh the possible cutting of 0% APR?

Jablinski

Can someone have more than one Ink Cash cards?

Af

How does the chase ink cash compare to the Bonvoy business card in terms of earning Marriott points per dollar spent? And can the Marriott points transferred from chase be redeemed for all airlines and hotels partnered with Bonvoy?

M

@Dan Super elementary/random question: If I could earn 2.4% on my savings – what is the detriment to me using this cards, throwing the money in savings and paying it off before the interest starts accruing? I am super organized with my money so I do not think I am at risk of not having the cash and I assume my credit score will recover once the balance is paid in full. Am I missing something?

Tony

I got the Ink Business Preffered within the last year(july/august).. My wife has the Reserve.. So would i be able to apply for the ink cash now and then downgrade the ink business when the annual fee hits into the ink business unlimited or just close it as I have the Chase freedom unlimited already… And if the reserve is under my wife’s personal account would i be able to transfer my ink business points to her reserve?

fjdo

yes

Inkx2

Can I have ink unlimited and ink cash for the same business?

S

Dan, you say it won’t hurt your credit score, since it’s a business cc, but will it hurt your business credit? What about if it’s sole proprietorship?

dave

can you HUCA the recon department?

Cwazy Wabbit

If only they had a personal card for us lowly wage-earners.

Johnny D

Hey dan thanks to you i have recently opened a chase business ink cash card and I’m not so great at the organizing aspect and not a big traveller. With that being said if we can’t take advantage of the 5 points per Dollar category would it be better to use the capital one spark 2% cash back ? I have that card also as well as the freedom and downgraded the sapphire few years ago.

Also I’m trying to locate the amazon gift cards from office and staples are they only available at certain retail stores ? Have you had any luck narrowing down certain locations that do? If so how did you locate (aside from just popping in)

Your help is much appreciated.

Another loyal fan bh’

Chag Sameach

JD_thatsme

dealchaser

“If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.”
I own a couple of businesses/LLC’S I opened up a while ago the ink cash card as a sole proprietor in order not to have to mess with the paperwork, how should I go about opening another card for another business, Should I submit with a Business name/Tax Id or personal name/social?

dealchaser

understood that its a much easier application/approval if on social with the paperwork etc.

dealchaser

Thanks I appreciate it, Chag Kasher Vesameach

MN

What does the “account anniversary year” terminology mean? Does that mean you don’t get the bonus points for the first year? Or do you only get them at the end of the year?

Perry Raskin

Probably worth noting that I purchased an iTunes gift card from Staples today, only to realize that it’s the physical card, and I’m waiting for it to be delivered. The eGift card section on staples’s website does not have iTunes. Not horrible, but good to know.

Shlomo

Foddy! I got the text for this post at the moment i was checking out in staples with $400 Amazon gc’s using my ink card.

e

If I open this card as Sole Partnership, will I be able to manage it online together with all my other cards or I have to a separate online account for business cards?

Ben

I applied at a chase branch for a business card and they refused me because I applied for too many chase cards. To add insult to injury my personal credit got a hard pull. When I called two different times asking why if my business is a corporation did my personal credit get accessed both times I called I was told that only very large companies don’t get their personal credit checked. I’ve been following you for a while and you are very insistent that it is not the case. Where did I go wrong?
Thanks.

logic

Dan with all the respect its nice to get 5 % back on all these stores however if everytime i wanted to buy something i would run to office max my family would starve the thing your not calculating is that this takes a tremendous amount of effort and exhaustion if you focus your mind in the right things you should be able to make more parnassah in the time it takes to do this narish kyten your the best dan and your posts are great for good deals but this one…….

Aveno

Meh. A bit of careful planning and research go a long way in making this both simple and very worth it. Without planning it can get hectic…

J

Hi dan you should add quill.com as getting 5%back its like staples and Office Depot.

Jim

Probably a bit dense today, but how is 5 points on Amazon card purchases = 10% and not 5%?

“Earning 5 Chase Ultimate Rewards points per dollar on all of your Amazon purchases is pretty sweet! I accomplish that by using my Ink Cash card to buy Amazon gift cards from Office Max, Office Depot, or Staples and then saving the gift cards to my Amazon account where they stack together and never expire. Personally I view that as getting 10% back on my Amazon spending, which makes Ink Cash much stronger than using Amazon’s own credit card for Amazon purchases.”

ME

If you use them for flights and value UR points at 2 cents per pt you have 5 x 2= 10.

hh

Staples has a 2k limit if i do it in seperate purchases are they going to cancel the order?

Karov

Is this a world card or has overseas charges?

David

Hi Dan, I was just told by a banker in branch at Chase that if you apply as a sole proprietor only using your ssn, it will go on your personal report and be counted towards 5/24. I just requested a copy of my TransUnion personal credit report and do see a Chase ink preferred card I opened a few months back showing up just as the other personal ones with the only noticeable difference being the fact that its called an “authorized account” as opposed to the personal cards which are called “individual account”. Can it be that it’s still not counted or do I just have bad luck and I’m an exception?

David

So sorry never mind I made a mistake. I was wrong. It was a different card. Should’ve known. the same banker told me there was no more ink cash card as of the last month…

David

Authorized account is an authorized user.

novice

Dan,
I just applied for a chase ink business cash card. I’m a therapist and wrote “sole proprietor” and applied with my name and social as tax ID. Is it a bad sign if they said they have to look into it more? I haven’t opened or named myself as authorized user on more than 3 cards in the past several years and my credit is excellent.

Z

Everyone PLEASE USE EXTREME CAUTION WHEN LOADING LARGE AMOUNTS OF AMAZON GIFT CARDS ONTO YOUR ACCOUNT I LOST OVER 1500$ (Altogether from two accounts )FROM THAT .Amazon confiscated the gift card balance and won’t give it back

Jay Weiss

Dan-maybe I’m wrong, but I think your math isn’t quite right. Here’s what you wrote:

“You can also buy a $300 Visa gift card from Staples.com for $308.95. The 1,545 points you’ll earn from the purchase are worth between $23.17 (at a value of 1.5 cents per point) and $30.84 (at a value of 2 cents per point).”

I think you forgot to subtract $8.95 from the $23.17. Yes, your points are worth $23.17, but you paid $308.95 to get only $300 worth of mdse. You lost $8.95 on that deal. But made $23.17. Net benefit to you was only $14.22. And 14.22 /1545 points comes to less than 1 cent per point (actually .92 of a cent)! Not that great a deal, really. Thoughts ???

Tova

I just missed the 3 month spend threshold on my Ink Preferred. Has anyone had experience chatting and getting the bonus points? I spoke to the banker in the branch that I frequent who has helped me set up my accounts and he was not able to get an extension or otherwise get me the signup offer points. any ideas??

Yitz Weiss

Dan, this is an AWESOME post and very easy to follow. Thanks so much for the info!

benny

i had the the business preferred card from chase and i just did a product exchange for a business cash card and for some reason there only offering me 4 points per dollar on staples office max etc why is that

Emes

Is that 4 on top of the standard 1? That would be 5 ppd.

Eb

Just applied for the ink and putting in my name as business name and sole propietorship as type. Was notified by chase they need paperwork proving my business name from state office. Anyone had this? What to do?

EB

UPDATE: Did not submit paperwork and about 2 weeks later the card showed up in the mail!!

Michael Mashinsky

is this card any different from the Chase Business Plus card I have?

Blu

I’ve had the Business Plus for years and want to downgrade to CASH card to avoid annual fee. I would like to apply instead to get bonus points BUT just got approved for CSR.

Since I’m right at 5/24- downgrading is the way to go, correct?

Jb

Wife has chase reserve I have the ink card. Any chance they would allow me to transfer my points into her sapphire reserve account?

Blu

Yes you can transfer within household

David

Dan, would you advise to opt out of the new chase arbitration clause? Do you think there will be any repercussions?

kosher

Is it not more worth to apply for the preferred and then downgrade?
How long do you have to wait to downgrade?

Greenspan

It seems this card true benefits is only worthwhile if your a head of household with a family and will be doing a significant amount of annual spending and you will be able to take advantage of all these spending areas.
Otherwise the hustle of getting all these gift cards to use towards Amazon (etc) spending seems impractical if one only spends annually for one person.

Jablinski

It’s a no fee card and you buy what you want/can. So if you’re going to buy stuff at Amazon anyway, why not maximize your return by buying Amazon gift cards at office supply stores with Ink Cash.

Sam

Is it possible to get approved for this card if I have the Ink Unlimited? I’m good with 5/24

S

Sure, why not.

Sam

If I downgrade from my ink will I get the signup bonus and if I don’t get the bonus and downgrade anyways will I get the bonus when I apply?

ROYA

I have been looking for amazon gc’s every time I”m in staples. They never have! I can’t find on the website either. My location is Brooklyn, NY. Does it make sense that they are not selling because they rather not send customers to a competitor or is it that DansDeals followers are beating me there and they get sold out quickly??

ROYA

“Charges made with streaming services, like Hulu, Netflix, SiriusXM, Sling, Spotify, Tivo, and Vudu”
Was streaming services always X5?

toni

staples online wont let me check out with a staples GC if i’m buying a southwest GC! I guess I’ll go check at the actual store…. is this new?

Jason

I already have the Ink Cash and Ink Unlimited (both $0 annual fee cards). If I get the Ink Business Preferred, can I eventually change it down to one of the no annual fee ink cards or any of the freedom cards? Does it matter that I already have all those cards??

Thanks.

Alexander

Would love to have one but they closed all my chase accounts!!!

CHASE IS THE WORST!

Chase routinely does that even to their most loyal customers! Chase and AA are competing in regard to who hates their customers more!!!

Alexander

Anyone know how long after account closed by Chase I can apply to get new card? Accounts were not closed because of missed payments or credit rating. All accounts were paid on time and my credit rating is in the 800’s. Chase closed accounts according to them because I exceeded my usual spending pattern!

kosher

Can i use a business card for my everyday spending?

Sam

I have twice a week for the last month to 2 different Staples stores. Unfortunately, they never have the Amazon gift cards; which is frustrating given the thousands of dollars I spend a year on Amazon items.

Moish

I have a Chase Ink Cash card and a Chase Freedom card. If i do plan on getting one of the Sapphire cards, and would like to transfer the points. How can I do that, if my Ink business cash card is not accessible in my personal Chase portal. I have to log in to my business Chase portal?

Mendy

Hi Dan, I downgraded from a different business cards to this card about a year and a half ago. I never got the bonus points for opening this card. If I close this card can I apply for it again and get the bonus point?

BB

Hi Dan,
Can I transfer these points to ultimate rewards if my wife’s ultimate rewards account is through her business (not personal) card?
Thank you!

nick

if i open a a new card with 0% apr and transfer a higher line of credit from my ink plus will i get the promotional apr on the whole thing

AaronH

I have a Chase Ink Business Plus..is this the same as Chase Ink Cash, in terms of 5 points per dollar at Staples?

rabrab

I have a Chase Ink Business Plus with a $95 yearly fee. Is there any reason to keep this, rather than one of the cards without a fee?

kaballah

Great Post! Thanks.
@Dan I am currently spending approx 2 million USD online shopping. Card used so far is the Spark by Capital one which gives me 2% cashback. This will definitely give me much more however how do I go about getting past the 25k max limit for the 5% office spending?

DAVID LEVIN

you cant buy amazon gift cards online I see and in the stores can you pay with a cc?
and can you make the first 3-month spending with this?

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