Highest Public Offer Ever: Earn A $500 Or 50,000 Point Signup Bonus On The Awesome No Annual Fee Chase Ink Cash Card!

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Update: These offers have expired!

Signup bonus:

Previously the public signup bonus has ranged from 20K-30K points. 50K Chase points is by far the best public signup bonus for this card! In fact it’s one of the richest signup bonuses I’ve ever seen on a card that has no annual fee.

This card is marketed as a cash back card, which is why it says it has a $500 signup bonus. Don’t be fooled by that, in fact it earns Chase Ultimate Rewards points that can be cashed out for 1 cent each and you will receive $500 or 50,000 points for signing up.

You are able to get this card as well as the Chase Ink Business Preferred card, which offers 80K points after $5,000 of spending within 3 months. If you are approved for both cards you would have at least 138,000 points after meeting the spend thresholds. 

What makes this card so great?

Besides for not having an annual fee and now having an awesome signup bonus, the Chase Ink Cash card is part of my Chase Quadfecta and is highly recommended for anyone trying to maximize their spending.

Spending categories:

It earns a whopping 5 points per dollar at office supply stores and on internet, cable, and cell phone bills. It also earn 2 points per dollar on at gas stations and restaurants. You can earn the bonus points on up to $25K in annual spending on the 5 point categories and up to $25K in annual spending on the 2 point categories. Again, these categories are advertised as 5% cash back and 2% cash back, but you will actually get 5 or 2 Chase Ultimate Rewards points per dollar spent in those categories.

You can even earn 5 points per dollar for cell phones that are charged on your bill or bought from sites like Samsung.

You can earn 5 points per dollar for hundreds of other stores by buying gift cards at office supply stores like Office Depot/Max and Staples. If you shop at Amazon, Airbnb, Bed Bath & Beyond, Bloomingdale’s, BP, Cabela’s, Delta, DisneyLand/DisneyWorld, eBay, Express, Gap, Google Play, Groupon, Home Depot, iTunes, JCrew, Kohl’s, Lands End, LLBean, Lowe’s, Macy’s, Marshalls, Nike, Nordstrom, Safeway, Sears, Shell, Southwest, Starbucks, StubHub, Target, TJMaxx, Uber, Whole Foods, and much more, you can be earning 5 points per dollar by buying their gift cards at office supply stores on an Ink Cash card. Some gift cards are available online and many more are available in store.

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!

You can even buy $300 Visa gift cards from Staples from the comfort of your home, which will earn 5 points per dollar.

Office Depot/Max and Staples often run promotions to save even more on Visa gift cards.

Cash back on top of points:

This card is also eligible for additional cash back via Visa Savings Edge. That means you can get points plus 2% cash back at Chevron, Sheetz, AutoZone, or Texaco. You’ll earn points plus 3% cash back at NewEgg and Boost Mobile. You’ll earn points plus 4% cash back at Alamo, National, and MGM hotels. You’ll earn points plus 5% cash back at B&H, Lenovo, and Wyndham hotels. Some of those discounts are limited. For example the Boost Mobile and MGM cash back is capped at $100 per year. The NewEgg cash back is capped at $200 per year. The B&H cash back is capped at $150 per lifetime. However you can get unlimited free additional user cards and each of those get their own cash back limits!

0% APR:

The Ink Cash card offers 0% APR on purchases and balance transfers for 12 months.

While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink Cash card is a business card, those balances won’t hurt your credit score.

Business card information, benefits, and 5/24:

This is a business card, 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 Sole Proprietorship” 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.

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.

All Chase cards that earn Ultimate Rewards are subject to 5/24 restrictions, 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.

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.

Cash back or miles:

You can of course cash out the points earned on this card for 1% cash back. I hope that you won’t do that. While this card can’t transfer points into miles, 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 points categories worth 4% back and the 5 point categories worth 10% back. The minimum value you can receive for your points is 1.5 cents each thanks to Sapphire Reserve and that makes spending on this card worth a minimum of 3% back for the 2 point categories and 7.5% back for the 5 point categories.

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.

If you or anyone in your household has one of the following cards, you can transfer your points into miles:

  • Chase Sapphire Reserve (Earn 50K points for spending $4K in 3 months. $450 annual fee, less $300 annual free travel spend=$150 net annual fee).
  • Chase Sapphire Preferred (Earn 50K points for spending $4K in 3 months).
  • Chase Ink Business Preferred (Earn 80K points for spending $5K in 3 months. $95 annual fee).

Why I prefer miles over cash back: Chase Ultimate Rewards are highly versatile and valuable:

  • If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-30K points to Hyatt to do that, a value of up to 6 cents per point.
  • If I need a last minute 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.
  • If I want to fly in a $11,000 Korean first class suite one-way from the US to South Korean, I can instantly transfer 80K points to Korean and take advantage of their amazing award availability. That’s a value of up to 14 cents per point.
  • 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.


Will you be signing up for an Ink Cash card?

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190 Comments On "Highest Public Offer Ever: Earn A $500 Or 50,000 Point Signup Bonus On The Awesome No Annual Fee Chase Ink Cash Card!"

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


Do 2 chase business cards get 1 pull if applied for at the same time?


Can I apply for one of I have one via downgrade from ink preferred.


I signed up for this a week ago (didn’t get it yet). Is there any way to get the 50,000 bonus instead of the 30,000 I was offered when I applied?

Ts & Cs?

Never applied for the Ink Cash, but have had (and still have) 1 or 2 as downgrades from Ink Bold/Plus. Can I still get bonus? With same applicant SSN/business EIN? Different?


@dan was just about to sign up for an ink..should I do this and then Ink later ? Should I try 2 bm?


Am I correct that this is the only card I can sign up for which will give me 5ppd at office supply stores?


American Expreess Simply Cash Card also gives 5 points per dollar at office stores, up to 50k a year, thats even more than this card.


simply cash business card from amex offer 5 cent pd on that




i understand this card doesnt add to your 5/24 but if you are already at your 5/24 can you get approved for this card?


If I don’t have a business can I still apply for this card?


Can I apply for this using my SSN and sole if I don’t have a business with one?


Imy wife and I have linked with our chase account a bunch of chase cards, including a chase ink under my (husband’s) name with my wife named as an additional cardholder. Can she still sign up for the ink cash card using her tax id/ssn and would the UR points she gets as a sign up bonus be able to be combined into our existing chase account? Thanks in advance!


For it to not count to 5/24, do I need to use an EIN or social? Will spending habits on this card effect my credit score?


Dan you may have said this, but can I get this bonus if I have the Chase Ink business preferred?


I got got the Ink preferred a few months ago. Do you think they’d let me get this one now?


If i downgrade my ink business preferred to this cash card do I receive the bonus?

Ash Gardyn

I know you said That If approved you will get the bonus.. Is that true even if I’ve previously received the ink cash sign up bonus for a different business of mine?

nasoniel nerenberg

if i get approved for this then does it makes sense to cancel my business plus which i pay a 95 annual fee for


can you redeem points to airlines frequent flier programs like the ink buisness?


I got a signup bonus for the ink Preffered less than 2 years, I know for personal cards they won’t give u another signup bonus for the same type of card(i.e. freedom, sapphire) does that apply to business cards too because it’s on my ssn?


Hey Dan. Can I get the bonus two times.
Meaning for each card under new buisness name? I have two buisnesses so can I get 100k?


Hi Dan

I have already a ink cash business for about a year can I apply for a second one and get the bonus?

Adam Goldman

Does this card require excellent credit to be approved? Mine is about 690


I understand that spending on this won’t affect credit, what about closing it within a year? Would that affect credit score? Thanks for your help Dan!


I heard ppl suggest not to close accounts, merely to transfer the credit line attached to card. Not understand that, but is what ppl say. Perhaps someone with more knowledge can pipe in


Anyone have experience doing reconsideration via sm?

Adam Goldman

How long will this offer last?????????????????????????


Hey Dan, so just to clarify, even though the website says you earn $500, it won’t actually award you $500 cash, right? It will award 50k UR points?


Also, I currently have a Southwest Rapid Rewards business card, and the business ink preferred. I secure-messaged chase and they told me that those both count towards 5/24. Does that make sense? I might have misunderstood your post, but i thought business cards don’t count?


Two questions:

1) I have a chase reserve and that redeems at plus 50% as you know. Can you transfer points earned on these ink ones to the reserve card balance for the better redemption rate to book travel etc at the 50% rather than 25% etc. ?

2) to confirm. I Can apply for both of the above and qualify per 1 business.



Can I open two of these simultaneously for separate “sole proprietor” businesses? I sell under 2 diff eBay user name accounts.


Which card would you value higher (re: sign up bonus) —- this card or SPG/Starwood business amex?

Andrew Markowitz

Just in time to pay federal taxes and meet spend requirement


i did a 2bm this and the Sapphire Reserve, i got the Sapphire, but for this INK it says that they will mail me the decision, what does this mean

Ed Travel

What happens if you use those business cards for your non business expenses? Is there a problem with that?


if one card i got the notice that i will get the letter 7-10 days, will i have better luck with another EIN?


i’am a little confused i applied and got denied because they said i have too many cards opened in last 2 years – over 5/24 i thought you said that business cards do not apply to the 5/24 rule did i misunderstand this? don’t they pull your business credit not personal for a business card ? please clarify…TIA


I literally just product changed to this card following your last post about the Chase Trifecta and got rid of my Chase Preferred card. Is there any way to monetize this or am I stuck now that I already have this card for the last month?


Can you do reconsideration via secure message


How is it with going over the limit. is it okay like with the SPG Business card, or does it have a over the limit fee? and how about effecting your credit when going over?


Dan you are incredible.
I am a veteran DD follower and decided to read through all these comments just because I am amazed at your patience and willingness to explain every detail (again and again) to every follower.
Kol hakavod bro!

K&F pesach


Totally agree!!!


was just thinking the same thing!! thanks Dan!!


I already have the Ink plus carrying the $95 AF. Is there any reason for me to still hold on to it when this card offers essentially the same perks? Also, will I be able to get the sign-up bonus for this if I already have the Plus?


If i get approved for the card today, whats the fastest i can receive the card or card number? (I have a large transaction later this week…)


Does 30 day message mean denied?


How do I send chase a secure message?


needs to be initiated from pc (not a mobile device)

Your friend

So if I have a business credit card and I have another business credit card chase allows me to shift the line of credit from one account to the other account, the question Ia does chase allow you to shift the credit line from one business Inc to another business card that was set up under another business so let’s say one is sole proprietorship and the other is on an LLC they allow a shift of credit ?


My spouse and I both applied for Chase Ink business card, but were denied because Chase was looking for paperwork showing we have a business (E.g., tax forms showing business name, tax ID). I was previously approved for a similar Chase business card in the past with no such requirement. If my side business is to sell on eBay, what paperwork will be satisfactory to Chase? Any experience with that?


Is there anywhere where it says that I’ll receive 50k points.
I believe you, was just wondering what the proof is.


i am a kollel guy and my wife has a buisness on her name
can i sign up on my name because my wife is not a us citizen and she cant open a card on her name


Can i open the chase ink business preferred which earns 80k miles but has a $95 annual fee and than downgrade to this card?

saudi prince II

yes you can,


I applied for the chase business preferred a few weeks ago and I got a letter sent in the mail from chase asking me to prove that my business actually exists by sending in tax forms and stuff from the business. However my business is not like so official to the extent that I can provide that information to them. Is there a way to get around this problem and still get approved?? Also would I also be able to apply for this offer and get approved if I get approved for the the business preferred?


Any limits as to who can use the business earned points?


Good morning Dan,
Glad to see that you are still replying to this post.
I already have this card using my name as the business name. How would I go about opening up another one without dealing with any documents?


is it 50,000 Ultimate rewards points or $500?. When i click the link it is showing $500 cash instead of points.

Admirer of Dan

wife applied for the card and was approved. if she adds me as an AU will that count against my 5/24 or not because it’s a business card? thanks, Dan!


Is there a limit to how many cars chase will approve you for in a 30 day period? I have 2 businesses. If I apply for Ink preferred and Ink cash plus for 130k for both businesses, will I get rejected for applying for 4 cards at once? Do 3/4BM no longer work to approve more than 2 cards in 30 days? (I think I read that somewhere). Thanks!


“You can of course cash out the points earned on this card for 1% cash back. I hope that you won’t do that.” what a stupid nonsense statement this is! while you may get a value of 2 or even 10 cents per point, ur still spending $1000 cash, so if your traveling regardless in first class then your saving tons of money, BUT if your spending 100k points on first class cuz “ITS FREE”, keep in mind that its costing you at least $1,000


does the Chase INK Preferred count toward 5/24?

what about Lord and Taylor department store credit card which cannot be used anywhere but L&T?


If I already have the Business Ink Preferred can I still sign up for this card and get the 50k bonus?


I applied as I have with my AMEX business and Chase business cards under a sole proprietorship using a random business name and selected the category that closely resembles reselling stuff. For the first time I was flagged for more information on my business name (under the Patriot Act the rep told me). Because I don’t have one, I tried to explain that to the first person and he said I need to provide some proof of the company- tax returns, articles of incorporation, utility bill etc. I went on DDF and asked for advice. Two members suggested calling back and explaining the situation and seeing if they would switch the company to my name. I did, and said I must have maid a mistake when filing out the application, I meant to use it as my name b/c I don’t have a legal entity. The person switched my name as the company name and I was approved! thanks DDF!


When I click link it mentions nothing about 50k points am I missing something


It said they need to review it longer, and it could take up to 30 days. I would like to call recon. Does anything have the number? Also, what do I say to them?


Hey Dan, I just got off the phone after 20 minutes of them trying to tell me I need “official government documentation for my business”, even though I selected sole proprietorship and entered my SS number. Any suggestions?

Eric M Towler

It’s a cash back deal according to the link, but works out the same in the end. Had a problem with the web site in that it would not recognize that I put in addresses and kept asking me to complete the field

Eric M Towler

Following up on my previous post about not being able to submit an online application. I called Chase directly, got transferred two times only to be told they couldn’t do anything and I would have to go into a Chase bank to submit an application in person. The last time I tried this at another bank, the cashier messed up the application but putting in the wrong info, so not so sure I will do this.


I applied for Chase Ink Cash and Southwest personal with 2B/M chase method. Have great credit but both got denied due to too many accounts with Chase. Called recon for Chase Ink and they sent to reconsideration with recommendation for approval and said wait 24-48 hours for response. Should I call recon for the Southwest card or wait to hear for Chase ink?


Hey Dan, any idea how long this offer is going to be available for?


I applied for the ink business Preffered, and it went to reviewal. what should my next step be? should i wait for response in the mail, or call up?


i got Declined for both the preffered business and the regular ink, due to 5/24….
Is Recon available?


how do you know you got denied bec of 5/24?


I called the recon line. It turns out it was a stupid Target card that is killing me. the card isnt even open anymore… some reason it is on my report as TD Target. @Dan anything to do about it?


Join the discussion opened it a year and a half ago, and it has been canceled already. if im not mistaken it can be used everywhere…@dan am I screwed?


if i got back the “decision pending application will let me know in 30 days”, does that mean i am for sure not over my 5/24? how soon i call the recon line?


Hey dan just got declined because to many cards should I call back


Hey Dan, just to clarify, does this card earn UR points or just offer cash back? (Ie, once I theoretically receive the 50k UR sign-up bonus, would it then revert to just 5% cash back on qualifying purchases or does it earn UR points?)


hi dan, will you let us know before this offer expires or will they just one day discontinue the promotion/


what if i have a business with ein number but will be ending later, if i apply now with that info how will that change on account, how can it affect credit card later?


Just to clarify – you said the points for this card do not transfer for miles, which I would take to mean that they cannot be used towards the 120,000 points needed for a companion pass. Correct?


if you have a personal chase sapphire card can you transfer points from the business card to your personal sapphire card?


If I add an employee card to the Ink Cash card so my wife can use it as well, will that card also get us points? It isn’t just the main card that can get points right? (For example, if the $5000 within the first 3 months is split between both cards, do we still get the $500 bonus? Or does the $5000 need to be on the main card?)

risa stroh

hi DAn do you know when offer will expire?


I applied for me and my wife and we both have excellent credit, is there a reason why we both got, we need to look into you information more?


Hi Dan! Thanks for an awesome site! I just applied for the Ink Cash and Preferred. I called recon and was approved for the Cash but they told me since I am a new business without prior business credit, they can’t approve me for the second card, despite my excellent personal credit. Do you have any advice? HUCA? Thanks!

Ddf memeber

Which bizz cards gives you more points for travel hotel and airlines.


Dan, will I be able to transfer the points to a United MileagePlus Explorer Card from Chase?


can i get the offer again after 24 months from first opening the card?