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The current 50,000 point offer for the Chase Ink Bold with Ultimate Rewards card is one of the best deals on the market right now since it only requires $5,000 spend within 3 months and the first year annual fee of $95 is waived. Not only do you accrue 5 points per dollar on office supply stores, cable and wireless service, and landline communications and 2x on gas and hotel- those points can be transferred to United, British Airways, Southwest, Korean, Hyatt, Marriott, Priority Club and Amtrak.
However, my offer will be changing tomorrow at 10am ET and will likely be aligned with what is currently being offered on Chase.com, which is also a 50,000 point offer, but requires $10,000 spent within the first three months.
This is a business credit card, but you can use your Social Security Number to sign-up if you have your own side business or plan to start one in the near future. As always with Chase, if you don’t get approved right away you can call the friendly business credit reconsideration line. These points can be combined if you also have the Sapphire Preferred or Freedom cards- I personally have all three (plus an Old Ink Bold card) and a Chase Checking account, so I’m maximizing Ultimate Rewards points from multiple angles and spend categories.
Business cards will still require a hard pull on your personal credit, but once opened they will sit on your business credit report. If you apply for the Bold, you can also apply for a personal card on the same day since your credit will only get pulled once. The British Airways 100,000 mile offer is probably the other best Chase offer at the moment and while that card also has a hefty spend requirement to get the full bonus ($20,000), you at least have a year to do it.
Update: The current offer for the British Airways Visa is 50,000 Avios with $2,000 spend in the first 3 months.