The card of the month for March 2018 is the Chase Ink Cash Business credit card. The current signup bonus is $500 after $3,000 of minimum spend within the first three months of account opening.
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Chase Ink Cash Business
- Annual fee: $0
- Sign-up bonus: $500 cash back after you spend $3,000 within the first three months of account opening
- Earn 5x on up to $25,000* from these categories:
- office supply stores
- internet + cable + phone services
- Earn 2x on up to $25,000* from these categories:
- gas stations
- Earn 1x back everywhere else (no cap)
- Foreign transaction fees are not waived
*On up to $25,000 in combined purchases each anniversary year
$500 Sign-up bonus
One clarification is that you earn 50,000 Ultimate Reward points, which can be cashed out for $500. Since the bonus is rewarded in UR points, you get even more value when you redeem points for travel by transferring points the Chase Sapphire Reserve, Chase Sapphire Preferred, or the Chase Ink Preferred.
a) Chase Sapphire Preferred (CSP) = 1.25 CPP
b) Chase Sapphire Reserve (CSR) = 1.5 CPP
c) CSP/CSR/CIP via Transfer Partners = 2 CPP+
50k UR with these...
a) 50k UR * 1.25 CPP = $625
b) 50k UR * 1.5 CPP = $750
c) 50k UR * 2 CPP = $1,000
The normal sign-up bonus is only 20,000 UR points after $2,000 in spend, so the historic high 50,000 point bonus is as good as it gets for a no annual fee card.
20,000 UR vs. 50,000 UR Offer
Cash out rate
- 1 CPP = $300 increase (compared to normal offer)
CSP travel portal
- 1.25 CPP = $375 increase
CSR travel portal
- 1.5 CPP = $450 increase
Transfer partners (Hotels / Economy Flights)
- 2 CPP = $600 increase
Transfer partners (Business / First Flights)
- 3 CPP = $900 increase
5x and 2x Spending multipliers
The Chase Ink Cash is a keeper card because it doesn't have an annual fee, and there are a handful of spending multipliers.
Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year:
- At office supply stores
- On internet, cable and phone services
Earn 2% cash back on the first $25,000 spent in combined purchases each account anniversary year:
- At gas stations
- At restaurants
Sign-up bonus and application rules
The Chase Ink Cash is affected by the 5/24 rule, but doesn't count towards it. This means that you will not be approved for the card if you have been approved for 5 or more credit cards in the past 24 months.
Chase business cards
If you recently applied for the Chase Ink Preferred card, be sure to wait at least 30 days before applying for another Chase business card. Applying for too many business cards in a short time frame can raise a red flag.
You are not eligible for a signup bonus if you have received a Chase Ink Cash bonus in the past 24 months. The signup bonus clock starts when you receive the bonus, and not when you opened the account.
To be elgible for the bonus, you can't currently hold the Chase Ink Cash card, AND you can't have received a Chase Ink Cash bonus in the last two years.