New Increased Offers on the Chase Ink Plus and Ink Cash!
Update: Some offers mentioned below are no longer available. View the current offers here.
Sign-up offers on credit cards are a great way to boost your account balances and unlock a variety of valuable redemptions. Today Chase announced two increased offers on a pair of very popular cards: the Ink Plus Business Card and the Ink Cash Business Card.
The sign-up bonus alone is worth $1,260 based on TPG's most recent valuations, and the category bonuses can be very lucrative throughout the year. With the program's diverse travel partners, there are many ways to redeem your Ultimate Rewards points for maximum value. TPG Contributor Eric Rosen recently flew Lufthansa first class in part from transferring points to United, one of several ways to fly first class using Ultimate Rewards points.
The big difference between this offer and the standard offer on the card is the fact that the annual fee isn't waived for the first year. The trade off, though, is that you'll earn an extra 10,000 Ultimate Rewards points. Since that essentially equates to buying Ultimate Rewards points for less than a cent apiece, this is a very appealing offer.
Ink Business Cash Credit Card:
If you want to avoid an annual fee, the Ink Cash could be a good option. Even though it appears to be a simple cash-back card on the surface (like the Chase Freedom, which is no longer open to new applicants), you can actually convert the earnings on it to more valuable (and flexible) Ultimate Rewards points if you have a premium card like the Ink Plus or Chase Sapphire Preferred Card. For more information on how to do this, be sure to check out Jason Steele's post on Why Chase Freedom Isn't Just Another Cash Back Card.
Applying for a Business Card
Even though these are both marketed as business credit cards, you don't need to have a formal business with an EIN number in order to apply for them. For those of you who have small businesses, instead of applying with a Tax Identification Number you can enter your social security number in the box and indicate that that you are a sole proprietor.
There are several key differences between personal and business credit cards, including different category bonuses and lucrative sign-up offers. Be sure to check out TPG's top 10 reasons to get a business credit card for more details.
Bottom Line
My wife and I have had the Ink Plus for years and love them. If you've been eyeing one of these cards, now's a great time to apply! For more information on them, check out the following posts:
- A Year of Earning and Burning with Chase Ink Plus
- 10 Chase Ink Benefits You Might Not Know About
- Ranking the Ultimate Rewards Transfer Partners
- Maximizing the 5x Spending Bonus on Retail Gift Cards
- Why I Love Chase Ultimate Rewards
Top offers from our partners
How we chose these cards
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. |
| 4X | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). |
| 3X | Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.Pros
- 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
- 3x on flights booked directly with the airline or with Amex Travel
- Welcome bonus of 60,000 points after spending $4,000 in the first six months
Cons
- Weak on travel outside of flights and everyday spending bonus categories
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber/food credits
- Few travel perks and protections
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
Rewards Rate
| 4X | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. |
| 4X | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). |
| 3X | Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
Intro Offer
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.60,000 bonus pointsAnnual Fee
$250Recommended Credit
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.670-850Excellent/Good
Why We Chose It
There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.Pros
- 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
- 3x on flights booked directly with the airline or with Amex Travel
- Welcome bonus of 60,000 points after spending $4,000 in the first six months
Cons
- Weak on travel outside of flights and everyday spending bonus categories
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber/food credits
- Few travel perks and protections
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees