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Maximizing Chase Ink Bold Spending Bonuses At Office Supply Stores

by on July 20, 2012 · 108 comments

in Chase, Credit Cards, TPG Contributors

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Update: The offers mentioned below for the Chase Ink credit cards has expired. View the current offers here – Ink Plus, Ink Bold, Ink Cash.  

TPG contributor Jason Steele gives us his take on the Chase Ink Bold’s lucrative spending category bonus at office supply stores and how you can make the most of it without getting red flagged. For more analysis on how to maximize points via gift cards, check out the Frequent Miler who operates a “laboratory” of experiments.

One of the great features of Chase Ultimate Rewards credit cards is their category spending bonuses. Cardholders of the Sapphire Preferred earn 2x points on travel and dining, while Chase Freedom cardholders earn 5x bonuses on up to $1,500 of spend in categories that change quarterly.

However, one of the more lucrative Chase credit card spending bonuses comes with the Ink Bold charge card for business, which gives cardholders 5 points per dollar on the first $50,000 spent each calendar year at office supply stores and on cellular phone, landline, internet, and cable TV services. The card also earns 2 points per dollar on the first $50,000 spent each calendar year at gas stations and hotels.

Maximizing The Office Supplies Bonus
To maximize that lucrative 5x category bonus on office supplies and other work expenses, every Ink Bold cardholder should be paying their cellular phone, landline, internet, and cable TV bills with this card.

As nice as it is to score the 5x bonus on telecommunications services, however, it is the office supply store bonus that is most important to note. Visit any Office Depot, OfficeMax, or Staples and you will find several racks full of gift cards surrounding the cash registers. Gift cards can be purchased here for home improvement stores, airlines, restaurants, and for many other categories of merchants. For example, OfficeMax carries gift cards for Southwest Airlines, Home Depot, Lowes, Starbucks, and Amazon. In fact, many of these stores even sell cards from Visa and American Express that can be used anywhere those cards are accepted, so buying these cards is just sort of like pre-paying a credit card you plan to use for purchases…only you’re getting 5x points to do so.

You can really start raking in the bonus points by using your Ink Bold to buy gift cards at office stores like Office Depot.

Purchasing Visa Gift Cards
For example, $500 Visa gift cards sell for $505.95 at these stores, earning Ink Bold cardholders 2,530 Ultimate Rewards points. Since you’ll be using that $500 on your expenses anyway, you’re essentially getting 2,530 points for a cost of $5.95, or 0.235 cents each.

If you were to earn 100,000 Ultimate Rewards points, you could then transfer that to an airline partner of the program—British Airways, United, or Korean Air—for a roundtrip ticket to Europe in business class worth thousands of dollars with an out-of-pocket expense $235 (based on that 0.235 cents calculation above).

If you use these types of cards to pay taxes, it is treated as a debit card and assessed only a $3.49 fee, raising your cost per point to 0.373 cents each.  This can be done at sites such as payusatax.com and valuetaxpayment.com.

Granted, both these scenarios require a significant outlay of cash at the start—you do have to pay off your Ink Bold statement in full each month as it is a charge card not a credit card—but remember, you’ve got a year to hit that $50,000 sum, and if you know you’ll be using these cards for your expenses anyway, you might as well get the 5x bonus.

Purchasing American Express Prepaid Cards and Reloads
Another option is to go with American Express prepaid cards, which can be ordered for free. Office Depot sells a product called Vanilla Reload that can be used to add value to American Express prepaid cards, as well as some others, and can be purchased for $3.95 to add up to $500 at a time to these cards.

The advantage here is that the reload fee per card is slightly less than a new Visa prepaid card ($3.95 vs. $5.96), and you can add up to $2,500 in a 28 day period. However, transactions processed with the Amex prepaid cards are treated like credit card transactions, not debit cards. This makes it much less profitable for paying taxes since credit card transactions are charged a percentage (2.29% for Amex at Valuetaxpayment.com, for example) rather than a flat fee. Still, on regular credit card purchases, you can use these cards just like you would a normal Amex.

Card Comparison
Chase Freedom: This card offers one point per dollar spent on most purchases, with five points per dollar spent up to $1,500 on bonus categories of spending that change each quarter. Points are only transferable to airline and hotel partners when cardmembers also hold a Sapphire Preferred, Ink Bold, JP Morgan Select, or Palladium card. There’s no annual fee on this card.

American Express SimplyCash Business: Update – This offer has expired. This product offers 5% cash back at grocery stores on purchases of up to $12,000 per year. While one cent in cash back is not worth as much as an Ultimate Rewards or Membership Rewards point could potentially be worth, customers looking to earn statement credits rather than travel rewards might find this offer appealing. There’s no annual fee on this card.

American Express Premier Rewards Gold: This card offers 3x bonus points on airfare, and 2x points gas and groceries. Many grocery stores sell gift cards and prepaid cards so there is an opportunity to earn some marginal returns with this method. The best strategy is to buy merchant gift cards with no fee in order to extend the 2x bonus to other merchants. The annual fee is $175.

American Express Blue Cash Preferred: This card offers 6% cash back at grocery stores up to $6,000 in purchases, presenting an opportunity to earn significant cash back. This card has a $75 annual fee.

Be Careful
An offer like this is a loss leader for a company like Chase as there is no way the bank earns enough merchant fees on each dollar to cover the value of the five Ultimate Rewards points they are giving out. Furthermore, Chase can and will suspend the accounts of cardholders that they believe to be “abusing” these offers. For example, there were many people who reported their accounts being closed after charging tens of thousands of dollars to their Chase AARP card when it offered 5% cash back on all purchases made within the first six months of opening an account.

Here are my recommendations to avoid this problem:

  • Use your Ink Bold card as much as possible at non-bonus merchants. Those who only use their card to make purchases at office supply stores risk raising a red flag and damaging their relationship with one of the most important issuers of reward cards.
  • Go easy on spending. The $50,000 annual limit makes it futile to purchase much more than $4,000 a month from merchants in the 5x bonus categories, so don’t try to burn through tens of thousands of dollars each month in the first few months since that’s sure to draw some attention.
  • Take advantage of Chase’s Ultimate Rewards online shopping mall. Not only are there many good deals that return 5-10x bonus points or more, but these deals are a money maker for Chase that will help to keep you in their good graces.
  • Keeping your debt level low. This is generally a good idea and will help you avoid any unnecessary scrutiny, and will be helpful when you want to apply for future Chase cards.
  • Maintain a retail banking relationship with Chase. The more you can show that you are a loyal customer across many of Chase’s product lines, the less likely you to be seen as someone who is just trying to abuse their benefits.

There are a lot of great credit cards out there that offer bonus points on category spending, but Chase’s Ink Bold card presents one of the most lucrative opportunities out there thanks to its 5x category spending bonus at office supply stores. Just be careful to use this card wisely and pay attention to how you allot your spending so you can maximize the Ultimate Reward points that you receive without being perceived to be abusive.

Disclaimer: The responses below 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.

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  • Grant Thomas

    One of the best features about the Amex prepaid reloadable card is the ability to withdraw up to $400 a day from an ATM. Great way to get cash out of the card to pay your original credit card bill.

  • Ericlipkind

    Do you know how to get the $500 Visas gift cards online? I only see $100 ones at Staples. Is there a way to get larger ones, so to pay taxes, you don’t have to pay $3.49 several times?

  • Jason Steele

    I have been able to find the $500 ones at all the major Office Supply stores, but haven’t checked online. The card is the same, you just specify the amount at the register.

  • Ericlipkind

    Thanks. Can you do more than $500?

  • Roburg

    Nice idea and it got me thinking about the UR Mall. Lowe’s offers 10 points/$ right now so why not go online and buy $5000 a month in cards – which is about my spend on purchases for my family of 6 each month – and then get 55,000 UR points a month (10x Bonus + 1X spend)?

    You then take the cards to the store and use them to buy prepaid visa gift cards as you describe at OfficeMax.

    Its one extra step but may be worth it for people who spend a bunch each month.

    What am I missing here or did I stumble onto something? Can someone tell me if you can typically buy a visa gift card with a merchants (Lowes) gift card?

  • Not this again

    Frequent miler has been blogging about this (especially the vanilla part) for the last 3 months or so. a credit is in order, no?

  • Jason Steele

    I have seen $900 denominations at grocery stores, but not at Office Depot.

  • Jason Steele

    Frequent Miler is awesome and has done some great work on this subject, but the strategy of buying gift cards in one merchant category for spend at another pre-dates even him.

  • guest

    Jason, with all due respect:

    1. Almost everything in your post regarding the Chase Ink/Office Depot option has basically been taken verbatim by Frequent Miler’s summary on this. The random coincidence is amazing.
    2. Can you point to *one* source prior to Frequent Miler that detailed this?

    I think you owed him a shout-out, and to further dis him by claiming a generic “people have thought about this before” response is unprofessional in my opinion.

  • thepointsguy

    Frequent Miler is an excellent resource and is one of the 8 blogs listed on my blog roll. I’ve credited him before for new concepts and will add in a link for people who want to learn more about gift cards, which I his expertise

  • Ericlipkind

    Is this right? Using the Ink bold Ultimate Rewards Mall, it says an extra 4 points for Staples for shopping through the mall (in addition to the normal 5 points for office supplies, so I assume 10 total). You can buy a Visa Gift card in a maximum denomination of $100 for $106.95. With the 10% back in UR, the net cost is $96.26. Using these to pay $100 in quarterly estimated taxes would cost $3.49, so a net cost of $99.69 to pay $100 in taxes . Is that correct? If you need to pay a lot in estimated taxes, it would save you some money. Otherwise, I assume the $500 in store cards comes out to a better deal?

  • Ericlipkind

    or for that matter, don’t use it to pay taxes and use it to buy anything at a 3.74% discount. Doing the math on the in-store $500 Visa card which would only get you 5 points, not 10, you would get a $500 gift card for $480.66 which is a 3.9% discount on anything you purchase. Is that correct?

  • DrSifu

    I agree that this is a nearly identical cut and paste from FrequentMiler. Credit where credit is due, please, preferably in the body of the post and not hidden some where in the comments.

  • Frequent Miler

    Yes, this is basically correct. One caveat is that the Ultimate Rewards Mall changed the T&C recently for Staples to apparently not allow points for gift card purchases. Despite this, some people have reported success in getting points.

  • Frequent Miler

    Unfortunately Lowes won’t let you buy gift cards with gift cards. Otherwise, awesome idea!

  • Jake

    I like how a good chunk of TPG.com’s post now are derived from other bloggers yet no credit is given. AGAIN. Often times you’ll see bloggers sharing the same news but credit is always given to those who broke it out first (Yes, you do some, but not often enough, especially when the source is from other bloggers). Especially since this is an IDEA we are talking about with Amex Prepaid and Vanilla Reloads.

    Sure other people may have been doing this before Frequent Miler blogged about it, but the fact is, YOU, Steele, either didn’t find out about this strategy or didn’t think much about it until AFTER Frequent Miler blogged it, otherwise, why didn’t you post this sooner or before him? After all, this is a very attractive way to promote your ADs! And we all know how TPG.com is all about promoting ads nowadays. Using “but the strategy of buying gift cards in one merchant category for spend at another pre-dates even him” to defend yourself? That’s just plain disrespectful.

    What are you afraid of in linking to Boarding Area bloggers? Afraid that they’ll steal your referrals? Or find out that a good amount of your information was broken out earlier by them or came from them yet no credit is given hence deeming you unprofessional, damaging your readership? It’s great that you, TPG, are expanding your business and appearing on CNN and all that, but I think you are losing sight of what your blog is about. This blog used to be a pioneer, now it has fallen behind, and that’s to say the least.

  • HikerT

    Pretty obvious the author follows FM’s blog. :) I guess my question is why it took 3 months for it to show up here (with or without attribution). If anyone finds it useful it should be a heads up they should be following other blogs, FrequentMiler in particular.

  • CJ

    I have to agree. Frequent Miler may not have invented category spending, but this is all his work. He needs credit above, please.

  • Bigr3dbears

    Frequent Miler, how do YOU feel about other bloggers stealing your hard work?

  • Kaman Cali

    Bump on needing to give the frequent miler some credit- especially the AMEX vanilla cards- completely his idea, first on the web with it.

    Is this site starting to feel vanilla btw? 1-2 auto posts in the morning and afternoon, even when the subject matter is blah. Ever since Brian quit his job and has contributing writers filling in (ughh Eric’s ski Utah destination of the week- oh wait NO SNOW!) content seems diluted, like parade magazine for miles.

    That said, from last year Brian is the reason I’m not paying for my honeymoon, so I’m still loyal….for now!

  • Roburg

    Do you of any retail who does who may also be a UR member retailer?

  • Switze22

    Go online to the Chase shopping mall where you get around 2x bonus points at staples.com, then go to the staples site and buy $10,000 worth of Visa Gift Cards. I did it and they actually activated all the cards at the same time for me when I received them.

    Maximum points.

  • Hey

    I used to be an FTG fan. Then a viewfromthewing fan. Then I used to be an TPG fan. All have gone downhill in the past year or so (i.e. since FTG was bought by Internet brands; since TPG went full-time I guess, etc etc. You get the point)

    Now, I’m a Frequent Miler and Mile Value fan. Who is to say they will not go down the same path as soon as this starts getting real lucrative for them?

  • Steelsnow

    Just wanted to throw out that the author of this post (Mr. Steele) is not me. For those that have followed Frequent Miler since his launch, you will find posts where I encouraged FM to look at the office supply stores for PPM opportunities, especially around FAR software. It took FM a few months and the new Ink Bold bonuses to try some of the office supply deals out (Staples Easy Rebates!), but since then he’s been hooked (and did a terrific job with the write-ups around the new Vanilla card rollout and others!)

    Anyways, Jason S. Is right that many of these deals (such as office supply category spend) have been around for a long time. For the most part, blogging is the art of sharing things that have existed with a new audience… As in, many blog ‘deals’ are fed from Slick Deals, Fat Wallet, Mile Point, FT, etc. And then shared with a broader audience with a better explanation. That being said, this piece also broke no new ground and sounded very much like a college paper written off of Frequent Miler’s notes…. Just an observation, even if it is aimed at TPG’s audience.

  • John Doe

    I understand TPG relies on revenue from his links, but it’s getting old now. Regurgitating old material (virtually verbatim) and passing it off with links with cards that’s been harped on over and over… I have TPG fatigue.

  • thepointsguy

    I agree FM is a leader in the gift card space and linked to his site in the first sentence so people who want to dive further can check out his “laboratory”.

  • thepointsguy

    Linked to FM in the opening sentence now so people can learn more there.

    As for the content, the site readership has grown exponentially and thus I need to create content that goes beyond just pure “travel hacking”.

    And as for Utah- even though they had their snow drought, it’s still a great ski destination! ;-)

  • thepointsguy

    Done

  • guest

    I feel the author of this article should MENTION frequentmiler as the one who wrote a lot on this aspect

  • David

    Agreed. FTG opened doors, but is antiquated, and Gary gives insight, but if you really want to earn more pts, read Frequent Miler, and if you want to extract full value from said pts, read milevalue. Not too sure about onemile these days…he’s now paying for stays, and is more useful for trip reports than actual tips.

  • David

    Through Chase Freedom UR Mall, Staples is 5 pts/$. You have to check all 3 UR Malls, or use this website (http://lakebagger.com/ur/) . This tip is courtesy HikerT and FrequentMiler.

  • PJ

    I have had my mind on Amex BLue Cash Preferred wih 6 % rebate of grocery ALL YEAR AROUND . I do know some supermarkets do let you charge on credit cards for $500 Visa Gift card plus $5.95 activation and there is no limit of points you can earned . With Chase Freedom I did manage to use up the $1500 1st quarter allowance on 3 cards by stocking up 2 Visa Gift cards and bunch of Grocery gift cards which I can turn around and buy gas gift cards . there is a double dipping in my favorite supermarket – you pay $950 for $1000 store gift cards. So the bottom line is : if I can buy enough gift cards $1000 a clip without bumping onto the annual or quarterly cap then I can enjoy higher than 10 % savings on grocery , gas etc.. Ink bold and AMex Blue cash just hand us that gift.
    When there is no 5 % store gift card ourchase on $1000 we still come out with 5 % discount.

    Moreover, Ultimate Reward point is worth well over 1.50 cents a point. This speaks for the main reason why I have been drooling over on Ink BOlds for a long time .

    Can anybody without a small business share how the experience on how to get his/her Ink Bold approved?

  • Ericlipkind

    Yes, but with the Bold UR Mall, you would get 5pts for office supplies for using the Bold plus the 5pts for UR Mall, so 10.

  • DrSifu

    apply for it and you’ll get a screen shot saying the application is under review. Rather than wait, I called to find out about my application the following day. The person on the phone asked me more questions than I am accustomed to, including the type of business I have, how much I expect to spend and my annual revenue. Just be prepared and have answers in place. I was approved while on the phone.

  • Jake

    Nice of you to cover Jason’s behind. Even if he himself can’t directly access the blog post’s content, he should have came out and said something along the lines of “I will edit or ask for post to be edited to add credit to Frequent Miler.” Not wait for his boss to come save him. In fact, all Jason did was defend himself in the comments section. That really shows the character of your contributors, and quite frankly, reflects on you, TPG.

  • DrSifu

    Thanks for the useful tip. Will be checking out MileValue.

  • Jake

    Nice of you to cover Jason’s behind. Even if he himself can’t directly access the blog post’s content, he should have came out and said something along the lines of “I will edit or ask for post to be edited to add credit to Frequent Miler.” Not wait for his boss to come save him. In fact, all Jason did was defend himself in the comments section. That really shows the character of your contributors, and quite frankly, reflects on you, TPG.

  • Not this again

    You are precisely the kind of short sighted *#$*+(# who spoils these tricks for the rest of us, buy 10k worth of gift cards in one order? ever heard of flying under the radar?

  • David

    Really? For me, both Ink Old and Ink Bold UR Malls show staples.com at 4 pts/$.

  • David

    FYI: You can use the Ink Bold card at the Freedom UR Mall portal.

  • Ericlipkind

    my ink card comes with 5 percent back on office supplies. the ultimate rewards mall points would be on top of that

  • Alan

    I won’t mention which other “travel tricks” travel blog I read a long time ago but found it just wasn’t worth it for me. Then I found TPG. Most of the posts on TPG are new info to me and I’m loving it. Just the right amount of posts every day.

  • David

    As you said in your original comment, it’s a total of 9 pts/$ (Ink Bold gives 5 + Ink Bold UR Mall gives 4)

    That is my point, the other UR Mall portal gives 10 pts/$. (Ink Bold gives 5 + Freedom UR Mall gives 5).

    Not that big of a deal, I guess.

  • Greek2me

    “strategy of buying gift cards in one merchant category for spend at another pre-dates even him”
    But does the Vanilla reload strategy at OD predate him? Of course not. BS.
    Would it have killed you to give credit to Frequent Miler for his making this public 3 months ago?

  • Emily

    this is posted on other sites too but BE AWARE, My friend used the IB at office depot and staples and bought 1k$ worth of cards every month for the last 4 months and he just got his IB with all chase cards SHUT DOWN with no explaination! I never do it cos there are countless of chase customers who are being punished by CHASE for this!

  • Robin

    Mine got cancelled by chase without warning and found that out when i tried to log in!
    I hate chase for this strict punishment but I should have not done the travels to office supply stores! oh well!

  • Steventravel

    Did you put anything else on the card or just use it only for Large Office Supply Purchases?

  • Steventravel

    Did he put anything else on the card or just use it only for Large Office Supply Purchases?

  • AC

    Be careful. If you do it too often, you can get financial review from Amex and your Amex account can be closed…

  • EMILY

    He says he spread the purchases at for gas, groceries and like normal spendings but his large purchase at office stores monthly is why he got bye bye by chase!

  • Robin

    I thought I was smart but this time CHASE won big time and I wish there was a way to get back to chase!

  • Steve S

    Brian – this is a great and VERY useful post. I think back a few months with people bitching about some bloggers who make some money from credit card referrals and that they are no longer worth reading – nonsense. This was a primer with good info about how to make the most and good warnings about how to keep it under control. Good work and Thanks!

  • PJ

    thank you for the red flag. I assume the buying bulk of VISA gift cards with IB is different from buying grocery store gift cards with $1500 allowed for 5 % rebate on freedom cards in the 1st quarter which was approved explicitly by Chase.

  • Tina

    yes you got it! play with chase freedom bonus category tricks cos they are approved by chase, not this ABNORMAL MONTHLY LARGE PURCHASES AT OFFICE STORES WITH IB CARD! it is risky

  • Jop

    It’s just an advertisement so he can collect affiliate commissions on Ink Bold applications

  • Jason Steele

    I would put the risk of an FR as very low. Unlike their credit and charge cards, Amex is not extending you any credit on the pre-paids, so they have nothing to loose. I have been through an FR after churning a bunch of credit/charge cards. Besides, the pre-paid accounts are a separate login than the credit/charge cards. They do not appear to be linked.

  • Jason Steele

    I think there are many factors that would cause Chase to shut someone down, as well as a bit of good/bad luck. I have done more than 1k for several months now, crossing my fingers, but no problem. Again, I try to remain a good customer of Chase across many lines of products.

  • Petalumatool

    Can you suggest a way to pay property taxes. Here in California property taxes can be paid online with a credit card

  • PJ

    without convenience fees ? NOT in Orange county

  • MSJ

    This whole discussion seems a bit odd to me. I can understand them shutting down Freedom Card abusers who would find a way to generate 9 cent purchases [to take advantage of the minimum 10 points when linked to a checking account]. In this case why shut down cardholders when you could just deny points on prepaid card purchases?

    It makes me wonder…are these posts about being shut down for real or are they just trying to stop many people from using/abusing this tactic? One way or another I will be surprised if you can continue to do this beyond the next 60 days but let’s hope it lasts forever and people don’t abuse it too much.

    That said, I highly value my relationship with Chase and I moved my mortgage and checking account there. I think this is a two way street and they have assembled an awesome array of perks so I feel I need to pay that back.

  • joe

    It seems clear the post was not intended to pass on new information, since it is all recycled. The prominent posting of the “Card Comparison” section, incongruously listing more affiliate links to more credit cards, tells it all. This post is only here to generate clicks through the links. Affiliate links earn the blog between $100 and $450 per credit card referral according to the thread on flyertalk: “Are bloggers ruining Flyertalk?” I haven’t seen this range of compensation confirmed or refuted anywhere. But it certainly seems to explain recent blogging activity and the level to which bloggers go to put affiliate links in your face.

  • PJ

    Basically, get as many as possible cards that can let you buy Visa Gift cards with 5 % in order to stay off THEIR radars.

  • Shana Gainey

    Do you know if laptop computers bought from Best Buy count for 5x points? I only received 1 point per dollar spent, and this was a legitimate office supply purchase.

  • L T

    Just wanted to point out a correction. American Express SimplyCash Business: This product offers “5% cash back on wireless service and office supply purchases up to $12,000 per year in each category and 3% cash back on gasoline purchases up to $12,000 per year.”

    source: http://www262.americanexpress.com/business-credit-cards/business-card-details/simplycash-business-credit-card/

  • PJ

    anybody can share experience when deploying gift card gun power ?

  • PJ

    you probably want to buy it at Staples.office max etc. I highly doublt anything out of best buy can be coded as office supply .
    or call in customer service before the purchase. or call in to tell them that purchase IS an office supply item ; chase has been very ez to adjust up the rebate per my Sapphire PReferred Experience .

  • Paul

    I’m not sure where to ask this question, this seems as good of a place as any. I’d love to get the IB card to take advantage of the office supply gift card trick but neither my wife or I have our own business, nor are we interested in starting one. The application requires an EIN and annual business revenue. An EIN should be easy enough to obtain for minimal cost. Is the revenue question just because they want to know how much I’d put on the card? If I used it as my primary card, I’d probably spend $25k-$30k per year and pay it off each month. And I’d be willing to use it as my primary card if $12k or so was for office supply gift cards. Is it worth the hassle and cost of getting the EIN and applying for the card or would they just deny me because I don’t have a real business? I’m sure this question has been answered somewhere but I haven’t found it.

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  • FreedomHater

    Forgive the newbie questions, but I have just applied for and been approved for a United CC from Chase. I am also interested in applying for the Ink Bold. Do I need to wait before doing so? i.e., will Chase deny this app since it is so close to my United app?

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  • best_daddy

    The problem I have is that I visited two OfficeMax’s in my area (San Jose), and the largest amount their Visa gift cards carry is $100. I was wondering if your other readers have had similar encounters? Are $500 Visa gift cards difficult to find? Thanks!

  • Adam

    Visit Office Depot, not Office Max, not Staples.

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  • Oozze111

    Help!!
    I am trying to pay my tax via payusatax or valuetaxpayment, but both of them doesnt want to take my ink bold as debit card.
    I am choosing personal though..should I choose business?

  • Oozze111

    i am being charged 1.89% vs the $3.49

  • Oozze111

    argh, i must have miss understood!

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  • brodster

    what are the payment options? 6 months? 12 months? after purchase

  • JTuttle

    I went to a local Office Depot recently and discovered that their large-denomination AmEx and Visa gift cards are gone. I got a $500 Visa gift card there in October; now their largest is $100. I asked the cashier, who of course had no idea. She asked the manager who said simply “We don’t sell those anymore.” With the activation fee per card, buying the $100 denominations isn’t worthwhile to get the points, so that seems to kill the deal entirely. Have others found the same thing where they live? Any workarounds?

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  • jim

    Deal is over. Office Depot no longer selling $500 visas gift card

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  • newInk

    It looks like we cannot buy GCs using CC anymore in Office supply stores. Any other work arounds?

  • Matt

    I know this is an old thread, but I just got the Ink Plus. Could you not shop through the Ultimate Rewards mall online to get 2 extra points per dollar at Staples and purchase some of the 223 different e-giftcards (http://www.staples.com/gift+card/directory_gift+card?fids=151130&rpp=18&pn=1&sr=true) that are face value. Thus getting 7% in UR back?

  • Kumar

    No

  • Kumar

    1. Yes
    2. Likely

  • Kumar

    Don’t even bother applying if your credit score is less than 720.

    First get a business because that is one of the questions on the application.

    Once you have a business post a Query again and i had a game and then I help you with the EIN.

  • Kumar

    No

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