Last Day For Increased Ink Cash Sign-Up Bonus

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As I wrote about a few weeks back, in celebration of National Small Business Week, Chase is offering increased sign-up bonuses on two of their most popular business credit cards. I figured I’d post a reminder, because today, May 25, 2015, is the last full day under which to apply for these increased bonuses:

  • The Chase Ink Cash® Business Card is offering $300 bonus cash back after spending $3,000 in the first three months after account opening; the card has no annual fee
  • The Chase Ink Plus® Business Card is offering 60,000 Ultimate Rewards points after spending $5,000 in the first three months after account opening; the $95 annual fee is not waived the first year


I’ll focus mostly on the Ink Cash sign-up bonus, given that:

  • I’m pretty sure just about everyone has gotten the Chase Ink Plus by now, since I’ve written about it for years
  • The increased Chase Ink Plus sign-up bonus isn’t as good this year as in past years; while the bonus is 10,000 points higher than usual, the $95 annual fee isn’t waived the first year, so it’s only marginally better than normal

Meanwhile, the Ink Cash® Business Card is in my opinion the single most compelling no annual fee business credit card out there. What makes it so awesome?

The card has generous bonus categories

The Ink Cash® Business Card offers the following bonus categories:

  • 5x points on spend at office supply stores, landlines, internet, and wireless phones
  • 2x points spent on gas and restaurants

The category bonuses are capped at $25,000 of spend per year, which I’m guessing is a moot point for most of us. There aren’t many business credit cards which offer double points on restaurants, which is pretty awesome, given what a common business expense it is.

Earn double points at restaurants with the Ink Cash Card

Admittedly you can always use the Chase Sapphire Preferred and reimburse yourself, but from an accounting perspective it’s much easier to put a business dinner directly on a business credit card.

You can earn Ultimate Rewards points!

This card is marketed as being a cash back card, meaning each point you earn gets you one cent cash back. That means the 5x points bonus categories are really 5% cash back categories.

However, in conjunction with a card that accrues premium Ultimate Rewards points — like the Chase Sapphire Preferred — these points can be converted into premium Ultimate Rewards points at a 1:1 ratio.

Ultimate Rewards airline transfer partners

If you’re looking to minimize annual fees, I don’t think there’s a better personal/business “power couple” of credit cards than the Chase Sapphire Preferred and Ink Cash® Business Card. Combined you’re looking at 5x points at office supply stores, landlines, internet, and wireless phones, 2x points on travel, dining, and gas, and no foreign transaction fees. All for just the $95 annual fee on the Chase Sapphire Preferred, which is even waived the first year.

Bottom line on the Ink Cash

I think this is one of the most lucrative no annual fee business credit cards out there, especially in conjunction with another card accruing “premium” Ultimate Rewards points. There hasn’t been a better time to apply for this card, given the increased sign-up bonus being offered through today.

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  1. Chase will waive the $95 fee if you apply in branch; however, it was pretty painful as it took about 25 minutes to tell my name and address to the “private banker” multiple times and have him enter it into their system. He also had to go talk with his manager a few times, I’m not sure why. I’m not buying a car. I actually have a legitimate business with an EIN, so I don’t know what the deal was. I was not immediately approved and he said he would follow up and call me within a week on the status. I called Chase directly when I got home and got the card approved. It’s been a couple of weeks and I haven’t heard from my “private banker” again. So, if that sounds fun to you, you can save $95.

  2. I just applied and they rejected my application. this is despite heavy banking with chase (over 100K) and also having an ink bold card. WTF?

  3. Hi Ben, I applied for both, will I be able to get approved for 2 Business Chase credit cards at the same time?

  4. update, called again and they approved me. the moral seems to be don’t call them on a holiday.

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