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|Card / Notes||Bonus / Annual Fee|
|Chase Ink Cash® Business Credit Card|
----> Click Here
Earning rate: 5X office supplies, 5X cellular/landline/cable; 2X gas and restaurants
See also: How to sign up for Chase Ink cards
|50K after $3K spend in 3 months
No annual fee
Note: This card is known to be subject to Chase's 5/24 rule.
Recent better offer: None. This is the best we've seen.
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!
The Ink Cash is one of my favorite cards. It has no annual fee, and it earns valuable Chase Ultimate Rewards points with amazing category bonuses:
- 5X Ultimate Rewards points for office supply purchases, phone, TV, and internet
(5X rewards are for up to $25,000 spend per cardmember year)
- 2X Ultimate Rewards points for gas and restaurants
5X rewards for phone, TV, and internet is enough on its own to make this card worth having. The 5X office supply category, though, is where things get really interesting. Office supply stores such as Staples, Office Depot, and OfficeMax sell gift cards to other merchants, as well as bank gift cards. By purchasing gift cards from these stores, you can earn 5X rewards in far more categories of spend.
Ultimate Rewards points can be redeemed for cash or merchandise for 1 cent per point value. Or, points can be moved to a premium card such as the Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve for even more value:
- Purchase Travel through the Chase Ultimate Rewards travel site after moving points to the Ink Business Preferred or Sapphire Preferred card (1.25 cents per point value)
- Purchase Travel after moving points to the Chase Sapphire Reserve card (1.5 cents per point value)
- Transfer to a variety of airline and hotel programs (per point value varies from very low to extremely high when points are used this way)
All of the following cards earn Ultimate Rewards points. Those marked with an asterisk are premium cards that allow points to be transferred to select airline and hotel loyalty programs. The others are advertised as cash back cards, but they really earn Ultimate Rewards points. You can move those points to loyalty programs indirectly by moving them first to a premium card and then to an airline or hotel program:
- Chase Sapphire Reserve*
- Chase Sapphire Preferred*
- Chase Freedom
- Chase Freedom Unlimited
- Chase Ink Business Preferred*
- Chase Ink Plus*
* Premium card. Points can be transferred to select airline and hotel loyalty programs.
- Chase point transfer rules made simple [Infographic]
- Ultimate Rewards 5X Everywhere (almost)
- Membership Rewards vs. Ultimate Rewards vs. ThankYou Rewards. Which is best?
Many more great credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.
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