We’ve heard and read about countless people canceling their Delta American Express cards and threatening to fly other airlines ever since the airline announced huge changes to its SkyMiles program.
If you are:
- one of those people
- thinking about being one of those people
- like points/miles in general and don’t care about Delta
…then you might like an offer for a card both René and I (and our respective wives) actively use.
Get Inked: 90,000 Bonus Points
The no-annual-fee Ink Business Cash® Credit Card awards new applicants $900 bonus cashback (awarded as 90,000 bonus Chase Ultimate Rewards® points) after they spend $6,000 on purchases within three (3) months of being approved for the card.
Not to be outdone, the Ink Business Unlimited® Credit Card (also a $0 annual fee card) also awards new applicants $900 bonus cashback (same thing: 90,000 bonus Chase Ultimate Rewards® points) after they spend $6,000 on purchases within three (3) months of being approved for the card.
Both cards previously offered $750 cashback (75,000 points) until the new offers dropped last week. The 90,000-points promotions match their best-ever offers.
The Ink Unlimited Card is pretty straightforward: it earns 1.5% cashback (again: 1.5X Chase Ultimate Rewards® points) on all eligible purchases. No more, no less.
But the Ink Cash Card is a particular favorite of ours.
Ink Cash Card
Do you have a cell phone?
That’s one big reason we hold the Ink Cash Card.
The card earns 5% cash back (5X points) on the first $25,000 spent in combined purchases on internet, cable, and phone services and at office supply stores each account anniversary year. (The card also earns 2% cash back (2X points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Everything else earns 1%/1X.)
I put all but $10 of my monthly Verizon bill on my Ink Cash Card and earn 5X points per buck. (If you’re buying a new iPhone and charging it to your monthly bill… see where I’m going?) And if you pay for internet access and/or cable TV, that’s another 5X points per dollar spent right there.
“Yeah, but I don’t need office supply stores!” you might say.
Keep in mind the winter holidays are coming up. Christmas is about 90 days away (as of this post date). It’s fewer than 80 days until Hanukkah. (Our family celebrates both. December is delightful chaos in our house.) Office supply stores sell these:
Sure, you probably order everything on Amazon. Why not load up on Amazon gift cards you can use for yourself — and get 5% cashback in the process?
How It Gets Sweeter
Three Chase cards allow cardholders to redeem points at elevated rates when redeeming them for travel purchases through Chase:
- Chase Sapphire Reserve® (50% bonus)
- Chase Sapphire Preferred® Card (25% bonus)
- Ink Business Preferred® Credit Card (25% bonus)
You can transfer your Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card points to one of those cards (if you have one). That alone makes the bonuses worth up to between $1125-$1350 each.
“I Don’t Own a Small Business!”
Are you sure about that? So many people have side hustles these days.
The classic example of “Do I own a small business?” is selling items on eBay.
Do you babysit? Are you an author who self-publishes books or blog posts? Do you create stuff to sell on etsy or Redbubble or Amazon or whatever? An actor looking for gigs? Drive for rideshare companies?
Does anyone pay you for anything outside of your regular, taxable income? (Disclosure: none of this blog’s authors or owners are financial or tax professionals. Consult a financial or tax professional if you have questions.)
You don’t need to have a big desk in some high rise or a storefront window display in order to be a business.
Foreign Transactions Fees
Here’s a knock against the cards: they do charge foreign transaction fees. The Ink Cash’s is foreign_transaction_fee. The Unlimited charges foreign_transaction_fee. I generally stick to US-only stores and websites when making purchases uses my Ink Cash. Chances are you already hold a card that doesn’t charge foreign transaction fees — so that could be your fall for those purchases.
What About 5/24?
Both the Ink Cash Card and Ink Unlimited Card are Chase products. That means they’re subject to the “unofficial” 5/24 rule. This means you’ll likely be declined for a Chase card if you’ve been approved for five (5) or more credit cards from any bank within the past rolling 24 months.
We really like the the Ink Cash Card. If you need a good business card — especially one without an annual fee — give it a look. And if you’re a disenchanted Delta Amex Businesss cardholder, these offers present a wonderful opportunity for a new start.
Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.