Chase Ink Business Cash Complete Guide

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Chase Ink Business Cash Credit Card

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


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office

Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

See also: Chase Ultimate Rewards Complete Guide


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

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

Chase Ink Business Cash Application Tips

Should you apply?

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

Are you eligible?

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

Interestingly, it’s possible to get the same Chase Ink card and signup bonus for each business you own (if you have more than one business).  This is true even though the application terms state otherwise: “I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.”  Despite those terms, many people have reported success signing up for more than one of the same Ink card across multiple businesses.
Similarly, it’s possible to get all three Ink Business cards (and the signup bonuses) for each business you own.  Fortunately, even though Ink cards are subject to the 5/24 rule, they do not add to your 5/24 count when you are approved.  As a result, when you’re under 5/24, it makes sense to sign up for all three (at different times): Ink Business PreferredInk Business Cash, and Ink Business Unlimited.
Applying for Business Credit Cards

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

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

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

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

How to apply

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

The first part of the application is about your business. If you already have a well established business, then the answers should be straightforward. If you are just getting started with your business, below are examples of how to fill this out. These answers assume that you do not have any employees and you operate as a sole proprietorship (which is the most basic form of a business). Use your judgment to answer differently if the examples given don’t match your circumstances: Business Information
  • Legal Name of Business: If you don’t already have a business name, I recommend using your own name as the business name.
  • Business Name on Card: Again, this can be your own name if you don’t have a business name to use.
  • Business Mailing Address: This can be your home address if you don’t have a separate business address.
  • Type of business: Sole Proprietor
  • Tax Identification Number: This can be your SSN, but I recommend creating an EIN for your business (you can get an EIN quickly and for free from the IRS here)
  • Number of Employees: 1 (you)
  • Annual Business Revenue: 0 (or project an amount based on expected revenue)
  • Years in Business: (number of years you’ve been operating the business with or without revenue)
  • General industry, Category, Specific type: Pick whichever categories are closest to your business. For example, an aspiring author, artist, or musician might choose: "Arts, Entertainment, and Recreation" and "Independent Artists, Writers, Performers."
Personal Information This part of the application is about you, personally:
  • Your title as Authorizing Officer: "Owner"
  • Total gross annual income: Include all of your income, not just business income. This can include household income.
  • The rest should be self explanatory
Keep records of your answers In some cases Chase will ask to speak with you before approving your application. In those cases, they are likely to ask some of the same questions (annual business revenue, number of years in business, total gross income, etc.). Ideally you'll answer the same as you did on the application. Check Application Status After submitting your application, you can check status by calling the automated status line: (888) 338-2586

Reconsideration

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

Chase Ink Business Cash Perks

Auto Rental Coverage

Chase offers primary auto rental CDW (collision damage waiver) when renting for business purposes. Here’s the description directly from Chase:

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Purchase Protection

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

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

Chase Ink Business Cash Earn Points

Signup Bonus

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

Refer Friends

Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time.  When referral offers are available, Chase sends emails to eligible cardholder with the offer details.  Cardholders can also look for Chase friend referral offers here.
The image above is an example of a refer-a-friend offer for the Chase Ink Business Unlimited Card.  Since this is a no-fee card, the rewards are advertised as cash back, but they really come in the form of Ultimate Rewards points.  With the pictured offer, you would receive $150 (15K points) for each friend you successfully refer.  Max earnings =  $750 (75K points).

Bonus Spend

Chase Ink Business Cash Credit Card
Base
Dine
Gas
Phone
Office
Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

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

Automated 5X

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

5X Everywhere (ish)

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

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

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

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

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

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

2X Too

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

Chase Ink Business Cash Redeem Points

Cash Back

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

Travel

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

Redeem points for travel: 1.5 cents per point

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

Redeem points for travel: 1.25 cents per point

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

Details about booking travel through Chase

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

Travel protections apply

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

Transfer points

The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points.

Move points to premium or ultra-premium card first

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

Transfer Partners

Rewards ProgramBest Uses
Air France KLM Flying BlueMonthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards.
AviosWhile flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Great value can be had in redeeming BA points for short distance flights. Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower than when booking through British Airways. Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less.
HyattUse for Hyatt free nights or points + cash nights. Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more. One hidden bonus: award nights are not subject to resort fees.
IHG
JetBlueJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one or both cards.
Marriott Bonvoy5th Night Free awards
Singapore Airlines KrisFlyerUse to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.
Southwest Rapid RewardsAward flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.
United MileagePlusEven though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too. For one, it is possible to book most Star Alliance awards online at United.com. Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights). And, most importantly, United never charges fuel surcharges for awards. In some cases, United is far cheaper than Singapore Airlines for this reason alone.
Virgin Atlantic Flying ClubVirgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly.

Other ways to redeem points

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

Chase Ink Business Cash Manage Points

Combine Points Across Cards

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

Share Points Across Cardholders

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

Transfer difficulties? Create a loop

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

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

How to Keep Points Alive

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

Chase Ink Business Cash Lifecycle

How to meet minimum spend requirements

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

Keep, cancel, or product change?

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

Last updated on August 14th, 2019

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

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

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

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

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Richard Shih
Guest
Richard Shih

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

Nick Reyes
Editor

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

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

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

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

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

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

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

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

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

P
Guest
P

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

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

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

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

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

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

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

Steve
Guest
Steve

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Hans Mast
Guest
Hans Mast

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

Nick Reyes
Editor

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

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

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

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

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[…] Ink Cash: 5x Office Supply […]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Alan
Guest
Alan

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

Ben
Guest
Ben

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

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

Nick Reyes
Editor

Yes, I do.

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

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