Get The Highest Signup Bonus Ever From The No Annual Fee Chase Ink Cash And Chase Ink Unlimited Cards

Get The Highest Signup Bonus Ever From The No Annual Fee Chase Ink Cash Card And Chase Ink Unlimited Card!

Signup bonus:

You can now earn 75,000 Chase Ultimate Rewards points for opening the Chase Ink Cash Card or the Chase Ink Unlimited Card and spending $7,500 in 3 months. Those points are worth a minimum of $750 cash back, but they can be worth much more as shown below.

These are marketed as a $750 signup bonus, but you’ll actually get 75,000 Ultimate Rewards points for signing up!

The previous signup bonus offers on these cards have been 30K-50K points. Chase does not appear to match offers if you signup up with a lower offer, but it’s always worth asking!

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Annual fee: 

Neither of these cards have an annual fee.

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Signup bonus terms: 

You can typically only have one of each Ink card open at the same time, but exceptions can be made and if you are approved, you will get the signup bonus even if you have the same card active or had it recently.

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5/24:

All Chase cards appear to be subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shown as being open in the past 24 months.

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Card earnings: 

Chase Ink Unlimited Card:

• 1.5 points per dollar everywhere.
• This is marketed as earning 1.5% cash back, but it actually earns 1-5 Ultimate Rewards points per dollar everywhere. As each point can be worth 1.5-2 cents (or more) each, that’s like earning up to 2.25%-3% back everywhere!

Chase Ink Cash Card:

• 2 points per dollar on Gas stations and Restaurants.
  • $25K cap per year on these 2x categories.
• 5 points per dollar on charges made directly with all cell phone service providers (AT&T, Boost, Cricket, Google Fi, Republic, Sprint, T-Mobile, Verizon, Virgin Mobile, etc)
• 5 points per dollar on charges made directly with all telecom, TV, and  Internet providers
• 5 points per dollar on charges made with streaming services, like Hulu, Netflix, SiriusXM, Sling, Spotify, Tivo, and Vudu
• 5 points per dollar on charges from Godaddy.com
• 5 points per dollar on charges from Microsoft OneDrive
• 5 points per dollar on charges made in-store or online at office supply stores, like Office Depot, Office Max, and Staples.
  • $25K cap per year on these 5x categories.
  • This is marketed as earning 2% or 5% cash back, but it actually earns 2-5 Ultimate Rewards points per dollar in these categories. As each point can be worth 1.5-2 cents (or more) each, that’s like earning up to 4%-10% back in these categories!

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Which Card To Get?

The Ink Unlimited is a great card for excellent earnings everywhere, while the Ink Cash is a great card for earnings on its bonus categories. You can get both cards if you value both of their spending categories.

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Spend Threshold:

You’ll need to spend $7,500 on this card within 3 months.

You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

You can also buy gift cards on the Ink Cash card for stores like Amazon, as described below, to earn 5 points per dollar and help meet the spending threshold.

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0% APR:

These cards 0% intro APR on purchases within 12 months of account opening. Then 13.49% – 19.49% Variable.

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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 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.

Card benefits:

• Lost Luggage Insurance
• Baggage Delay Reimbursement
• Travel Accident Insurance
• Purchase protection for items damaged or stolen within 120 days
• Extended warranty protection

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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.

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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 Reserve, or Chase Ink 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.

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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 has extended those categories through 4/30/21 and 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!

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Card convertibility:

You can call Chase to convert these cards or any of the following cards into another card from this list:

• Chase Ink Cash ($0 annual fee)
• Chase Ink Unlimited ($0 annual fee)
• Chase Ink Preferred ($95 annual fee)

Note that some reps will only allow card conversions after you have had the card for 12 months.

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Earning Bonuses From Gift Cards

With Chase Ink Cash you can earn 5 points per dollar when you buy gift cards for hundreds of other stores in office supply stores and on Staples.com. Office supply stores often have sales on gift cards so that you can save even more.

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

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

eGift cards sold on Staples.com:

• 1800Flowers
• Advance Auto Parts
• Aerie
• Aeropastle
• Airbnb
• American Eagle
• Amtrak
• AMC Theaters
• Applebees
• AT&T Prepaid
• Athleta
• BabyGap
• Banana Republic
• Barnes & Noble
• Bath & Body Works
• Bass Pro Shop
• Bed Bath & Beyond
• Belk
• Blomingdale’s
• Bob Evans
• Bonefish Grill
• Boost Mobile
• Boston Market
• Buffalo Wild Wings
• Build-A-Bear
• Buy Buy Baby
• CB2
• CPK
• Cabela’s
• Carrabba’s
• Cheesecake Factory
• Chili’s
• Chipotle
• Cinemark
• Claire’s
• Coldstone Creamery
• Cracker Barrel
• Crate & Barrel
• Darden
• Dave & Busters
• Delta
• Destination Maternity
• Disney
• Domino’s
• DoorDash
• DSW
• eBay
• Express
• Fandango
• Finish Line
• Foot Locker
• Forever 21
• Friendly’s
• GameStop
• Gap Inc/Athleta/Banana Republic/Old Navy
• Ghirardelli
• Golden Nugget
• Google Play/YouTube Premium
• Groupon
• Grubhub
• Guess
• Guitar Center
• Home Depot
• Hotels.com
• Hulu Plus
• iTunes
• J. Crew
• JCPenney
• Jack In The Box
• Jiffy Lube
• Jo-Ann

• Kirkland’s
• Kohl’s
• LL Bean
• Landry’s
• Longhorn Steakhouse
• Lowe’s
• Macy’s
• Michael’s
• Net10
• Netflix
• Nike
• Nordstrom
• Old Navy
• Olive Garden
• Omaha Steaks
• Osh Kosh/Carters
• Outback Steakhouse
• PacSun
• Panera
• Petco
• Pottery Barn
• $300 Prepaid Visa (Fee applies)
• $200 Prepaid Visa (Fee applies)
• Rainforest Cafe
• REI
• Red Robin
• Regal Cinemas
• Safeway
• Sephora
• Simple Mobile
• Sony
• Southwest
• SpaFinder
• Spotify
• Stage Stores
• Staples
• Steak N Shake
• Stitch Fix
• StubHub
• Sunglass Hut
• Sur La Table
• Target
• Texas Roadhouse
• ThinkGeek
• Total Wireless
• Tracfone
• Virgin Mobile
• Wayfair
• West Elm
• Whole Foods
• Williams-Sonoma
• Uber/UberEats
• Ulta Beauty
• XBox
• XBox Live

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
• Hotels.com
• Hulu Plus
• iTunes
• J. Crew
• JCPenney
• Kohl’s
• LL Bean
• Longhorn Steakhouse
• Lowe’s
• Macy’s
• Marshalls
• Michael’s
• Net10
• Netflix
• Nike
• Nordstrom
• Old Navy
• Olive Garden
• Outback Steakhouse
• Panera
• Petco
• PetSmart
• PF Chang’s
• PlayStation Store
• Prepaid AMEX (Fee applies)
• Prepaid Mastercard (Fee applies)
• Prepaid Visa (Fee applies)
• Red Robin
• Regal Cinemas
• Sally Beauty
• Sephora
• Shell
• Simple Mobile
• Southwest
• SpaFinder
• Spotify
• Staples
• Starbucks
• Subway
• Target
• Texas Roadhouse
• TJMaxx/Home Goods
• The Children’s Place
• Total Wireless
• Tracfone
• Virgin Mobile
• Wayfair
• Wendy’s
• Uber/UberEats
• Ulta Beauty
• XBox/XBox Live

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

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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 spent on Ink Cash. So while doing good you can still get a nice chunk of points and you’ll save on your taxes!

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Airline transfer partners:

If you or someone in your household has a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Preferred then you can transfer points earned on these cards at a 1:1 ratio to:

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

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Hotel transfer partners:

You can transfer points at a 1:1 ratio to:

• Hyatt
• IHG
• Marriott

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

The Sapphire Preferred card and Ink Preferred Card allows you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.

The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.

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, 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 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 or 24K points with the Sapphire Preferred card’s minimum redemption value of 1.25 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 $2,281 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 or 182K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award 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.

 

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Will you signup for this highest ever public offer on a Chase Ink Cash Card or Chase Ink Unlimited Card?