This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available. View the current offers here – Ink Business Cash Credit Card

TPG contributor Jason Steele is back with another in-depth look at the Chase Ink family of credit cards and how you can maximize their category spending bonuses and gift cards.

In part one of this series, I looked at ways that cardholders could utilize the complete line of Ink cards in order to earn the maximum number of Ultimate Rewards points as well as dispelling some common myths about the cards and their limitations. Today, I want to explore individual purchases that can help you to earn the most Ultimate Rewards points using the 5x and 2x category spending bonuses.

1. Charging Internet services. Don’t forget that in addition to office supplies, Chase Ink’s terms indicate that, “You will earn an additional 4 points for each $1 of net purchases made in any of the following categories: internet, cable, and phone services (excluding equipment purchases).” So you can earn 5 points per $1 in total on these services as well.

But few people realize how expansive these terms actually are. For example, I know businessmen who are spending tens of thousands of dollars a month on Internet services that earn 5x. In fact, one person discovered that some of his Internet services were in fact being categorized as office supplies. The point is that if you have large business expenses, it is worth trying to make a charge to your Ink cards, just to see if they might qualify for 5x category spending bonuses. Not all merchants categorize their charges in the categories that you might think and in the end, it can’t hurt to try and see what you get.

Ink’s terms state: “Even though a merchant or the items that it sells may appear to fit within a listed category, the merchant may not have a merchant code that falls within that category. Therefore, purchases with that merchant will not qualify for the stated rewards offer on category purchases.” So conversely, a merchant you might not think is grouped in one of the bonus spending categories might actually be so it’s worth double-checking your statement.

Ink Cards 5x

2. 2x opportunities. While not as good as 5x, Ink cardholders should not discount the opportunity to earn 2x Ultimate Rewards points at gas stations and hotels. For example, Vanilla Reloads are for sale at a variety of gas stations such as Valero, TA Travel Centers, and a variety of regional gasoline retailers. The trick is to search the Vanilla Reload site under Reload Locations. Even if the name doesn’t sound familiar, click on it and see who the company represents. For example, the Circle M link takes you Clipper Petroleum which operates a number of BP and Shell branded gas stations throughout the North Georgia including the Atlanta metro area – so if you live around there, you could be in luck.

Category spend bonuses
Ink’s category spending bonuses.

Finally, don’t forget that charges at hotels (that must be made directly with hotels and not through third parties like Travelocity) earn 2 points per $1 with the Ink Bold, Ink Plus, and Ink Classic cards while Ink Cash cards earn 2x at restaurants, just like Sapphire and Sapphire Preferred. This bonus should be available to those paying for special events, conferences, or meals at a hotel, so long as the charge contains the hotel’s merchant code. Be cautious when making charges at a separate business that operates on a hotel’s property.

3. Gift card ideas at Office Max and Staples. Look beyond that particular large office supply retailer that you might have spent time on in the past, and consider the gift cards offered at some of its competitors. For example, both Staples and Office Max carry Amazon gift cards with no fees that can be used to purchase hundreds of thousands of items (although they cannot be used for Amazon Payments). In addition, Staples also sells Shell cards, allowing you to earn 5x on gas purchases there instead of just the 2x you normally would.

As for restaurants, both Staple and OfficeMax offer plenty of choices with which to maximize miles. For example, business travelers could earn 5x for purchasing these cards for meals while traveling, and submit restaurant receipts for reimbursement just as if they had paid with their own credit card.

Staples Restaurants: Applebee’s, Chili’s, Coldstone Creamery, Red Lobster, Ruby Tuesday, Panera, PF Chang, and Subway.

Office Max Restaurants: Baja Fresh, Cheesecake Factory, Chili’s, Ihop, Olive Garden, Outback Steakhouse, Panera, PF Chang’s, Pizza Hut, Red Lobster, Red Robin, Starbucks, Subway, and TGI Friday.

These aren’t exactly competing for Michelin stars, but some of them are decent and there’s a good chance you’ll find at least some of them pretty much anywhere you travel in the US. Plus those Starbucks cards give you a good opportunity to double dip with My Starbucks Rewards.

Max out your bonus spending categories with gift cards to merchants you know you'll use.
Max out your bonus spending categories with gift cards to merchants you know you’ll use.

Though some other credit cards specifically exclude gift cards from bonus spending categories, the Ink terms only state: “You do not earn points on cash-like charges such as travelers checks, foreign currency, and money orders, overdraft advances, unauthorized or fraudulent charges, or fees of any kind.” So gift cards are fair game.

Finally, revenue travelers can also earn 5x on Southwest Airlines gift cards purchased at Staples. Even those with plenty of Ultimate Rewards points might use these cards when Southwest offers a promo code that can’t be used for bookings with points. Or, it can make sense to use these gift cards when making business trips that are tax deductible or reimbursed by a third party.

When you think creatively and experiment a little bit with your charges to see Chase categorizes certain merchants, there are plenty of ways to maximize the Ultimate Rewards points you earn with the Ink cards’ category spending bonuses that don’t involve spending beyond your means on goods and services you would still be purchasing otherwise.

Chase Sapphire Preferred® Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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.