Increased Bonus On One Of The Best No Annual Fee Business Cards

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The Ink Business Cash℠ Credit Card is arguably one of the most rewarding no annual fee business credit cards, and it has a very nice increased sign-up bonus at the moment.

The card is offering $300 bonus cash back after spending $3,000 on purchases within the first three months of account opening. In reality this is actually 30,000 points, which can be converted into Ultimate Rewards points if you have the card in conjunction with a card that accrues premium Ultimate Rewards points, like the Chase Sapphire Preferred® Card. For context, this sign-up bonus is 50% higher than usual.

Why the Ink Cash is incredible for everyday spend

In my opinion the Ink Business Cash℠ Credit Card offers the best bonus categories of any no annual fee business credit card. With this card you earn:

  • 5x points on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2x points on the first $25,000 spent annually at gas stations and restaurants

Those are some great bonus categories for a no annual fee card, in my opinion.

Maximizing the value of points earned on the Ink Cash

Each point earned on the Ink Business Cash℠ Credit CardChase Freedom® Card, and Chase Freedom Unlimited®, can be redeemed for one cent cashback.

However, if you have any of the above cards in conjunction with a card that accrues “premium” Ultimate Rewards points, you can transfer these points to Ultimate Rewards. Cards that accrue “premium” Ultimate Rewards Cards include the:

So one cent cashback converts into one Ultimate Rewards point with any of the above premium cards.

Through Ultimate Rewards you can transfer points to Hyatt Gold Passport

How the Ink Cash fits into my overall credit card strategy

I have a better portfolio of Chase credit cards than ever before. At the moment I have the  Chase Sapphire Reserve® CardInk Business Cash℠ Credit CardChase Freedom® Card, and Chase Freedom Unlimited®. The only one of those cards on which I pay an annual fee is the Reserve Card, but combined with the other three no annual fee credit cards, I’m earning:

  • 5x points at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 5x points in rotating quarterly categories
  • 3x points on dining and travel
  • 1.5x points on every purchases

That’s an amazing combination.

Korean Air first class is a great use of Ultimate Rewards points

Keep in mind restrictions on approvals

Do keep in mind that all of the above cards seem to be subject to Chase’s “5/24” rule, meaning you’re unlikely to be approved if you’ve opened five or more card accounts in the past 24 months.

If you’re not eligible but want a Chase credit card, you might want to instead consider The Ritz-Carlton Rewards® Credit Card, which isn’t subjected to this rule. The card has a huge sign-up bonus of three complimentary nights upon completing minimum spend, and has several other great perks, like Ritz-Carlton Gold status, a $300 annual airline credit, and a $100 domestic companion airfare discount.

Bottom line

The increased sign-up bonus on the Ink Business Cash℠ Credit Card is fantastic, and is a great complement to other Chase cards. This is a card I’ve had for a while, so I’d highly recommend signing up under the current offer, assuming you’re eligible. While we’ve seen a 30,000 point offer before, I don’t recall ever seeing a better offer.

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  1. My boss asked me to help him choose a new non-Amex card for us to use. It’s not something that I follow, and I actually tend to ignore the posts about it. Can you point me in the right direction (even to an article on the blog where I can get the right info)? It’s primarily for spend that wouldn’t fall into a bonus category. Thanks!

  2. @ Lucky Thanks 🙂 I think he wants something a little more elaborate, but struggles to make proper use of the points we have. I’ll give him your links for all three and let’s see what happens. 🙂

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