This Is Why You Should Have An Ink Cash Card: 75K Bonus And Earning 5 Points Per Dollar On Amazon+More; Master List Of Gift Cards Earning 5x

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Update: Don’t forget to stock up on Amazon gift cards in stores for Prime Day! Earning 5 points per dollar you can choose to cash out at 5%, transfer to Sapphire Preferred for 6.25% back towards travel, transfer to Sapphire Reserve for 7.5% towards travel or 8% towards dining or Airbnb via Pay Yourself Back, or transfer to airline miles or hotel points for even more savings!

Originally posted on 4/9/19:

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 $750 in the form of 75,000 Chase Ultimate Rewards points after spending $7,500 within 3 months. The signup bonus is marketed as $750, but it will actually come in the form of 75,000 points which are worth $1,125-$1,500 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.

If you spend $7,500 on gift cards at office supply stores you would have 112,500 points, potentially worth $1,688-$2,250!

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
  • Charges from Microsoft OneDrive
  • 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 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 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

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
  • Best Buy
  • 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
  • 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.

Pay yourself back:

Back in May, Chase added the ability to pay yourself back and redeem your Sapphire Preferred or Sapphire Reserve Ultimate Rewards points to offset any dining, grocery store, or home improvement purchases at a rate of 1.25 or 1.5 cents per point through 9/30. That has now been extended through at least 4/30/21.

Chase also added the feature to Ink Preferred cards as well for advertising and shipping.

Chase tells me that Pay Yourself Back will be a permanent feature of the Ultimate Rewards program, and that they will add more cards and change the categories for the program in the future. This adds a ton of value to the Ultimate Rewards program as you can buy anything from those stores, even gift cards to other stores, and make them free by redeeming points at a value of 1.25 or 1.5 cents each. The ability to get that kind of value from your points even when you’re not traveling is outstanding.

A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth even more than 1.25 or 1.5 cents each!

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?

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369 Comments On "This Is Why You Should Have An Ink Cash Card: 75K Bonus And 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.


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.


i had very good customer service by chase


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.


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


Do you get 2x at Costco Gas?


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


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?


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


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




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.


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?


“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.


Does this mean if I own an Ink card for 24 months, I’m now eligible to receive the bonus again by simply spending the $3k in 3 months (ie. months 25, 26, 27)?


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


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


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



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?


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?


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?


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


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?


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?


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.


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


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?



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


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?


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


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


Amtrak GC @


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


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.


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


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)


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.


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?


Can someone have more than one Ink Cash cards?


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?


@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?


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?




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


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?


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



“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?


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


Thanks I appreciate it, Chag Kasher Vesameach


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.


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.


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?


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?


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…….


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…


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


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.”


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


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


Is this a world card or has overseas charges?


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?


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…


Authorized account is an authorized user.


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.


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 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 ???


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!


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


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


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?


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?


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?


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


Yes you can transfer within household


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


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


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.


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.


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


Sure, why not.


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?


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??


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


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?


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??



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


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


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!


Can i use a business card for my everyday spending?


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.


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?


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?


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!


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


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


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?


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?


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?


I appologize if this was asked and answered – I have an Ink Business preferred that we applied for in January 2019 – We achieved our requirement to get the bonus miles. We did not know at the time about the Ink Cash that give 5 points per $ on all purchases. How can I get the Ink Cash Card 5 points per $ in addition OR instead of the Ink Bus Preferred. My Husband saw something that indicated that I can’t apply within a 24 month period of applying to another ink card. What say you Dan?

moshe klass

Do you need to have a Chase business account for Ink?


@dan If I want to downgrade my Ink preferred card to one without an annual fee- either the cash or unlimited card- would i not be able to get the ink cash or unlimited card sign up bonus in the future if I havent done so already?

Tova Chait

To qualify for the sign up bonus, do you have to pay off the $3k balance on the card within the 3 months, or if just making minimum payments will I still qualify? (my card came with 0% on new purchases for a year also, so I have only been paying the minimum). Thanks!


you can make minimum payments and get the signup bonus


I got the Ink Unlimited like 2 month ago, can I switch to this Ink Cash Card?


Can I have 2 ink cash cards I have 1 cash card can I downgrade the preferred?


When does this offer expire and is it usually 50K bonus?


Possibly applying for a mortgage one of these months, being its business card will that only affect me in the hard pull area. Correct? My avg score is 800 so can I afford the few points


How many percent back is 5 points?

New kid on the block

If i or any of my household members dont have a any chase cards is this card worth it /can i transfer the points to air travel,
and how good of a credit score would i need for this card?
is there any other chase card i can apply for that would make this card worth it?


Hi Dan,

Thank you for posting this listing and always providing a great breakdown explanation of all the card benefits and offers. I signed up for this card in April and unfortunately did not reach the $3,000 spending threshold within 3 months to earn the 50k points. Is there anyway I could still recoup the points?

Thank you in advance!


hi dan thx for another great post.was wondering if i already have a sapphire reserve can i open this or the business preferred for the sign up bonus and then retain the points if i then cancel the business card.and would that affect my credit? thx


is this a preparation for the staples visa deal


Is the application site down for anyone else? I keep getting

” We appreciate your interest. Due to a system issue, the application is unavailable. Please click the button below to view alternate offers and apply online without signing into your account. Please note the terms and conditions of these offers may vary”


Can I move ink points to my reserve?


If I get 5 points for groceries from freedom and redeem it through reserve UR I get worth 1.5 but how do you get it to 10 points?


Ink q
Ink 1 downgraded for ink no fee after first year at that time got another ink issued
Now year one for ink 2 ends
Ok to downgrade to a no fee ink ?


I’ve never seen any such Amazon kindle or fire gift cards in a staples.. just the plain 100 Amazon ones


Just to clarify I just got the Chase Ink Preferred and am working toward the 80K bonus. Therefore, if I get the Chase Ink Cash Card now, I will not get the 50K bonous….correct? I have to wait 24 months?


Can buying gift cards at staples to max out the 5 points bonus category trigger a shutdown?


If I get approval for the Ink Business Cash, is there any reason to keep the Ink Business Plus that I’ve had (and used well) for years? It has a $95 annual fee and other than a higher limit on 2x and 5x spending (50k v 25K), I don’t see a difference between the 2 cards. I rarely spend the 50k and have the CSR for transfers. Is there another benefit I’m overlooking?


I’ve never seen Walgreens cards at office supply stores or grocery stores. Anyone know if this is just a policy, walgreens doesnt sell in 3rd party locations? I like the pharmacy but trying to maximize the spend there


What are the best rewards – points or cashback – if you only use consumer cards i.e. you don’t have a business?


If I purchased an iPhone through Verizon will that be considered subject to the 5% bonus?

Now the cash back guru

So to recap please confirm: you need to buy amazon gift cards At Office Depot type stores to effectively get a 5% cash back, but capped at $25,000 per year.

So ultimately if you are spending more than 25k at Amazon this card is is only worth it for a short period of time let’s assume I do 25k at amazon per month.

Or am I reading this wrong?


dan… need to think about tax payments using the analogy of a 10k payment cost me 187 if I use the 1.5 points I get 15k points which can be used at 1.5 reserve price of $225 – Is there any BETTER option .. small spread.. 225-187.. is the card 5x per first 20k spent still in play? No signup bonus.. may eliminate that idea,, What are your thoughts?


Dan- any better options?


Hi Dan, Office Depot is running one of their $15 back on $300 of Mastercards from Dec 8-14. You are usually my go-to for those deals.
Please spread the word–thanks


Thanks and good to know. And most importantly, thank you for really transforming my life in the ability to vacation, fly and visit places we never would have otherwise. Back to more mundane things…is there a way to know when they are running those sales?


i dont see 4 bonus points added to my amazon purchases is it only for new ink cash cards?

Oded G.

Dan, following this post I got a new chase business cash card. Went to staples to get some gift cards however they told me I can’t use a credit card To purchase gift cards. only cash or debit card. Any advise on this?


I used to order the $300 gift cards from Staples online, until I had $5000 worth stolen somehow before they arrived at my address, and then they claimed that they had been used. I spent many hours and stressful times with chase, trying to overturn the charges, and then eventually with staples President’s office, to get assistance, as I had bought so many cards during the winter season while I was in the states. Finally got it straightened out, but I would NEVER order gift cards like visa gift cards in the mail again. Also this winter I am back and it seems it is much more difficult to use them for making money orders at Publix, they seem to be cracking down, so everything is getting more difficult.


Will I get 5% for gift cards at Staples with Chase Ink Business plus?


Dan- you mentioned in the post that you buy Amazon cards at Office Depot or Staples and get 5 points per dollar. I got that. But you said you consider them worth 10%. How is that?


How can I know which Amex cc do not effect my credit score if I pay the majority of the balance before the closing of the statement, & which ones do?


If its a personal cc, & I used more then 35% of the spenting limit, will it effect my credit score even if I pay the balance before the due date?


Even if almost the entire expense was to lay out money for the damage of a car rental that is covered by the cc, which essentialy means that they will credit me the money within the next few weeks. Will they put the 2 together, or do they immediatly report it to the credit bureaus?


Hey Dan,

Just signed up and got approved for a 50k ink business unlimited card with your link. I already have the ink cash and ink preferred, and wanted to now downgrade my current ink preferred down to another ink unlimited. When I secured message them my request, they told me that I can’t have more than one ink unlimited. Is this true , any advice you have for me? My fee just posted for the preferred and don’t want it anymore.


Any reason to use the Chase Ink credit card for purchases instead of the Chase Amazon Prime credit card? They both earn 5%?


Yes, 5 Chase points are worth much more than 5% back.




In exchange for forfeiting credit card protections. Because when you buy something with a gift card, it doesn’t help that you bought the gift card with a credit card.


As has been explained in previous posts, this is for when the bonus points to be gained are more valuable to you then the credit card protections. Eg, smaller items or items that wouldn’t be excluded from the protections anyways, etc.

Beni J

How long does it take to get approved? Is it instant? Do the do a hard pull?


Just wanted to point out if you want to
Update your list for instore at staples, they sell $50 BEST BUY cards. Been probably almost 6 months now since they started this.

Danny K

Best card to maximize your points! I buy $200 gift cards from staples every time they have fee waived and use them for daily expenses. I’ve already hit the annual $25K for the 5%. I then transfer the points to sapphire, and use them for travel. I’ve traveled and booked hotels multiple times for free bc of the ink points.
THANK YOU DAN!! Please keep posting whenever staples have fee waived promotion on gift cards.


Dan, if you don’t have any business cards, what would be the next best card (consumer) to use for Amazon purchases?


What do I put as the income on a business card; business income or total household income?



Miles addict

Why am I not getting 5x points on ink cash when i pay my Verizon cell phone bill?


Hi Dan. Thank you for all the amazing info you share we really appreciate it here in LA.
I have been approved for more then 5 credit cards in the last 24 but I have a offer that I am prequalified for the ink card. Will I automatically be denied? Please clarify..


Does it all apply across all Chase Inc cards such as amazon 5 points. I have business preferred?

Miles addict

Just confirmed with chase, verizon is NOT categorized as a phone bill with Visa merchant coding


Dan recommends buying Amazon gift cards with the Chase Ink Business Cash card at a Staples store, etc. in order to get the 5 points per dollar spent. Don’t I earn the same 5 reward points per dollar spent on Amazon if I use the Chase Amazon credit card? I see that all my Amazon purchases thru the Chase Amazon Prime credit card are all earning 5 reward points per dollar spent. Am I missing something about buying the Amazon gift cards at a Staples store and using those gift cards instead of the Chase Amazon Prime card? Please help me. Thanks.


The Amazon card earns 5 cents per dollar, the Ink will earn 5 Chase UR points per dollar, worth at least 7.5 cents per dollar.


Again, I don’t get it. When I look at my UR tally from my Chase Amazon credit card I see that I’m getting 5 UR points — NOT 5 cents — per every dollar I spend on purchases from
So, the distinction of 5 UR points vs 5 cents doesn’t seem to be correct. Please explain if I’m not understanding you correctly. Thanks


Hey, Dan. You have been a blessing to my family and me since we met you in Miami in 2015. I have a question regarding my Chase Ink PLUS Card which is still grandfathered in. Is there anything that should keep me from trading this $95 annual fee card for a no-annual fee Chase Ink Cash card? Is there any sense in paying the annual fee if I get the same benefits on a new Ink Cash card? Please advise. Thanks!


Duh. But how am I supposed to get the ink card with the ridiculous 5/24 rule in place??

Esti A

We need an article on how to liquidate (at no cost) visa/MasterCard gifts cards. My Walmart does not allow money order purchases using these cards.


DAN would it work to buy gas gc at staples (x5 points) then maybe get the cash price for gas ?


How could you redeem chase points for 2 cents each?


I have a chase united and chase ink preferred under my business ein. Tried signing up for another ink business preferred using my name ans ss as business name and they say that I am already using a lot of unsecured credit since my name is the guarantee on the business cards.
Ever hear of such a thing?


the amazon GC are only avail. in store at staples/office max? i can’t them online?


i used mine on amazon and i didnt get 5 points per dollar spent


@Dan just applied and got approved for the chase performance business but with a credit limit of only $5k, this tells me that im near the end limit of the credit that chase is willing to lend me. I want to apply for the chase ink as well tomm, i have a chase sapphire reserve with 35k limit, should i lower my limit on that to 25k to give me a $10k cushion and increase the odds of approval for the chase ink when i apply for it? Also i hear that there is an unofficial 1/30 rule for business cards, is that true?


Hi Dan – is there a limit on how many Chase Ink Business Cash Cards I can open using my SSN under the tax id? Realistically, I would like to open 10 cards to maximize the 25k spending bonus limit per card. Can I interchange the business name as “Michael Cohn 1″ Michael Cohn 2” ….Thank you


I had only one Chase card the Amazon Visa prime card. Recently chase closed my account and said I was abusing the card. Which is pretty much true. I was only spending on it to make cash back. Buying stuff for a amazon selling group.

Has anyone got this Ink Cash card closed for same reason?


I just applied for this card and was rejected due to another inc card that I opened recently (was around 3 months ago) and the reason was that they want to see how well I do with the first inc card. My question is, can I apply right away for a personal card? united miles card (will this rejection have an impact on my approval for a personal card?)


Dan, is love to use one of your referral link, I just don’t have my own business..

Jay Weiss

Question Dan: I’ve never bought a $200 Visa card from Staples. Suppose I have $14 left on the card and want to buy something for $36 on line. Will they take the one card and w/draw the $14 on that and then let me give them a second card for the add’l $22? How exactly does that work?


i am over 5/24 can i get the card w/o signup bonus?


If you don’t have enough on a Visa card, you usually can’t use it to make an online purchase. You’ll have to drain the card in a store.
One online workaround that I know of is that you can use low balance Visa gift cards up on Amazon by buying an Amazon gift card for the exact amount that’s left on the Visa gift card. You can then combine an Amazon gift card with another payment method to make your purchase.
Just a couple more pieces of advise. If you use a Visa gift cards at restaurants with a waiter or waitress, the Visa often gets preauthorized for an extra 20% above the bill to account the tip. In order to drain the Visa after a restaurant purchase, you have to wait a few days for the pending charge to process. Also don’t use prepaid Visas at a gas pump. They often get preauthorized for $100. If you need to use a prepaid Visa at a gas station, pay inside with the clerk or use the prepaid Visa to buy a gas station gift card of your choice.


Does WWE Network count as a streaming service? I pay to my card through paypal, but WWE Network shows on the CC statement. Does that make a difference?


thanks for the post. after thinking it over i dont want to be busy going out and buying gift cards, having to upload them to my amazon account, wont be able to track purchases and other cc benefits and then having to tranfer afterwards to another chase card to get the max value. i would rather just get the 5% straight from amazon credit card. that being said, what is the difference between the 3 amazon cards the earn 5%? tia


Dear Dan
Hi can i buy gift cards and then buy something with the gift card and my cc and get refunded on my cc i know that Nordstrom does that but was wondering if other places do that to


Hi everyone, anyone have any ideas on where to get an amazon gift card online these days while also activating the 5x Ink points?


I saw that you can also earn 5% cash back through purchase. How can I confirm this?


Just a friendly warning: buried deep in Amazon’s terms and conditions it states that you can’t use GC for business purchases, and they have taken away GC from people for this. People buying with tax exempt, business accounts, and such.


Anyone have any more DP for this comment?


@Dan what are the chances I will get approved for this card for a new business? [I have couple of private chase cards and good personal credit]


Does anyone know of a Brooklyn Staples location that currently has Amazon GC?


Excellent detailed info as usual. But I have a question for you on the big picture. Shouldn’t the typical “dansdealer” utilize their energies devoted to this sport towards attaining sign up bonuses and other high-reward strategies, instead of running to staples every month (if you don’t want to significantly front-load) to buy gift cards and loading them onto Amazon, all for what to an average amazon prime member ($1400 spent per year) will amount to a few thousand extra points earned, and even to a $500/month spender barely more than 20k extra points?


Do I need to have a business?

raj does not work anymore


Can I add an other cardholder for free?

jay zee

I’m not gonna get approved due to the 5/24 rule but can I take my ink preferred and lower it to cash card?


Is there a limit to the 5% you can earn on Amazon ? Can you spend $300k with the card on Amazon and get the 5% on the $300K spent ?


Hello Dan,

The charges from aren’t earning 5x when using Chase Ink Plus.
My Note 20 purchase just got 1x base points.


this was such a helpful blog! I was debating on opening up this card and because of your blog I will! It was so helpful and make the decision so easy. Thank you for your thorough blog including all the gift cards. I will use your referral code 🙂


How do you figure 10% back on Amazon? You get 5x points at Staples, do you also earn cashback at Amazon when paying with a gift card balance?


If a business is new (less than a year) is it less likely to get approved?
Thank you


Received a SUB of 112500 points (75,000 + (5 x 7500)) since my full spend was at OM/Staples, thereby giving me $1687.50 in spending money. Best part was the 0% APR for 12 months.


I current have the ink preferred for $95 annual fee.
Does it make sense to apply for the cash card (and the ink unlimited potentially for 1.5 which I have on the personal unlimited anyway) then transfer my preferred credit limit to the ink cash card and close it the preferred?
I have the sapphire reserve for maximum points redemption.
Any other perks worth $95 a year?


Hey Dan!
Great article! Thanks for taking the time.
Question, not sure if I missed something here.
Would setting this cc as my preferred method of payment on Amazon still enable me to earn 5 points per $ or was there something specific about getting the gift cards to accomplish that?


Do you know if the 5% internet applies to Google Adwords advertsising? I spend $ 25,000 a month there. Be nice to pickup $ above citi double cash back.


Can i use Amazon gift cards for the FBA items sold by a 3rd party?


I applied for a business card today through your site, United explorer, and they did a hard pull Experian as a even sole proprietor for business united card. I thought no pull on business cards, is that wrong? or only not effect on utilization?

Since I had the credit report pull today per above, will it impact score if I apply to others in next day or so like t some of these, or is it like car finance shipping a few in same day only hit credit score once?



if i recieved a sign up bonus for the ink cash 10 months ago, can i still recieve the sign up bonus for the ink unlimated if i apply now?


How crazy can you go with buying gift cards? Can I buy $10,000 worth in a week? Staples near me has mastercard giftcards on sale. Will they revoke the points or anything like that?


I know this is an old post but I was wondering the same. If you want to go all out and spend 100k on gift cards:
A) Holding on to 100k in Amazon is going to take a looong time to spend.
B) Even if you go with Visa GC, and have another method of cashing out the gift cards (via PayPal or Venmo) you’re still paying the GC activation fee, and 2.9% on PayPal.
C) What are the tax ramifications? Even if you feel that it’s worth the above costs to get the points so whatever you cash eventually ends up back in the bank account, how do you explain that?
I’m sure that these questions are the secret of the trade and you probably don’t want to answer but hey, I’ll try my luck.