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Chase Ink Business Cash℠ Credit Card Expired

$500 Cash Back
w/ $3K Spent in 1st 3-mos
+305 Deal Score
1,669,273 Views
Chase offers the Ink Business Cash℠ Credit Card with $500 Bonus Cash Back after making $3,000 in purchases during the first 3 months from account opening. Thanks Cappy123

Slickdeals may be compensated by Chase.

Card Features:
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Original Post

Written by
Edited March 31, 2020 at 02:39 PM by
Earn a $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening on the Chase Ink Business Cash Credit Card.Slickdeals may be compensated by Chase.

Card Features:
Created 03-22-2018 at 10:40 PM by Cappy123
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Deal
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+305
1,669,273 Views
$500 Cash Back
These responses 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. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

1,878 Comments

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Featured Comments

You did it wrong. And applying with your SSN had nothing to do with your decline. Don't pretend to have an elaborate business that you can't back up - even if you can stretch it to seem kinda plausible.

What you should have done (and could do in 30 days if you wish to reapply) is to simply apply as a "Sole Proprietor". From that point, pick a category/subcategory that makes sense for you, put minimal levels of income and years in business. I have gotten 3 Chase business cards doing exactly that (2 using my SSN, the 3rd with an EIN), as have a large number of other people - oddly enough, it is easier to get approved following those steps than for legitimate small business owners applying for their businesses.
That one has an annual fee and requires $5k spending from what I can see, but the CB and bonus amount are indeed better.
When I signed up years ago, basic Ebay sellers were viewed as a business. Today YMMV but I still have the card.

One thing to know, the buyer protections granted to customers of non-business VISA cards may not come with the business card. You may want to check carefully before using this card for higher risk purchases.

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Joined Sep 2009
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> bubble2 15,364 Posts
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Knightshade
02-19-2019 at 08:23 PM.
02-19-2019 at 08:23 PM.
Quote from jagsind :
Applying for this card without business and using for personal expenses , causes any legal issues or fines ? The terms and conditions clearly says , this card should not be used for personal expenses. Please advise. Thanks...

Nobody cares what you buy.


That disclaimer is there because business cards don't have all the same consumer protections that personal cards do and they don't want you suing them later.
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Joined Jun 2013
L2: Beginner
> bubble2 66 Posts
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jagsind
02-19-2019 at 08:25 PM.
02-19-2019 at 08:25 PM.
Quote from Knightshade :
Nobody cares what you buy.


That disclaimer is there because business cards don't have all the same consumer protections that personal cards do and they don't want you suing them later.

Thank you.
Reply
Joined Jun 2013
L2: Beginner
> bubble2 66 Posts
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jagsind
02-19-2019 at 09:26 PM.
02-19-2019 at 09:26 PM.
Does Chase will issue 1099 end of the year for the bonus points? If yes, individuals need to show in their tax returns in case of applying for this without business. ?
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Joined Sep 2009
L10: Grand Master
> bubble2 15,364 Posts
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Knightshade
02-20-2019 at 04:42 AM.
02-20-2019 at 04:42 AM.
Quote from jagsind :
Does Chase will issue 1099 end of the year for the bonus points? If yes, individuals need to show in their tax returns in case of applying for this without business. ?

They don't issue them for signup bonuses (which are considered rebates, not income, by the IRS since the spending requirement means you're getting a share of your own money back).

They are issuing them for referral bonuses now though- something they just began doing.
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Joined Jun 2013
L2: Beginner
> bubble2 66 Posts
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jagsind
02-20-2019 at 09:04 AM.
02-20-2019 at 09:04 AM.
Quote from Knightshade :
They don't issue them for signup bonuses (which are considered rebates, not income, by the IRS since the spending requirement means you're getting a share of your own money back).

They are issuing them for referral bonuses now though- something they just began doing.

Thanks again
Reply
Joined Aug 2014
L3: Novice
> bubble2 165 Posts
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vegasrm21
02-20-2019 at 09:22 AM.
02-20-2019 at 09:22 AM.
I read ten pages and can't find the answer. Can the bonus points be converted to cash (or reduction in outstanding credit)? I'm looking at buying a Peloton bike and figure it could save me 20% if I take $500 off the price. Smilie

Thanks in advance. Have read enough to understand how to handle the process as a non-business if this can work.
Reply
Joined Aug 2004
...
> bubble2 10,033 Posts
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JaTaN
02-20-2019 at 09:35 AM.
02-20-2019 at 09:35 AM.
Quote from vegasrm21 :
I read ten pages and can't find the answer. Can the bonus points be converted to cash (or reduction in outstanding credit)? I'm looking at buying a Peloton bike and figure it could save me 20% if I take $500 off the price. Smilie

Thanks in advance. Have read enough to understand how to handle the process as a non-business if this can work.
Bonus is 50k UR pts -- you can use it for statement credit or bank deposit (1 pt = 1 cent)
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Joined Aug 2014
L3: Novice
> bubble2 165 Posts
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vegasrm21
02-20-2019 at 09:52 AM.
02-20-2019 at 09:52 AM.
Quote from JaTaN :
Bonus is 50k UR pts -- you can use it for statement credit or bank deposit (1 pt = 1 cent)
Thank you
Reply
Joined Mar 2017
New User
> bubble2 1 Posts
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jreyes1642
02-23-2019 at 06:05 AM.
02-23-2019 at 06:05 AM.
Can I pay a credit card of $3,000 that I owe and still get the $500 cash back reward?
Reply
Joined Aug 2004
...
> bubble2 10,033 Posts
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JaTaN
02-23-2019 at 07:32 AM.
02-23-2019 at 07:32 AM.
Quote from jreyes1642 :
Can I pay a credit card of $3,000 that I owe and still get the $500 cash back reward?
Bonus terms:

Earn $500 Bonus Cash Back
You will receive 50,000 bonus points with this bonus offer, which can be redeemed for $500 cash back. To qualify and receive your bonus, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
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Joined May 2017
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BrokeMansTech
02-24-2019 at 04:19 PM.
02-24-2019 at 04:19 PM.
Hey all. Have had the categories Freedom card for years now and have finally decided to pull the trigger on seriously getting into rewards.

Wanted to start by adding this card and the Freedom Unlimited card. Once I get the bonuses for these 2 , and simply to avoid biting off more than I can chew, I then want to add the 4th and final card, the sapphire reserve to get the extra points bonus.

Will there be any issues using the points i accumulated before getting the Reserve card while still getting the 50% bonus that card offers, or do I need to get the reserve card first?

Last but not least, will there be any issues combining the business and personal cards under one account and pooling their points?
Reply
Joined Mar 2012
Cheese
> bubble2 1,587 Posts
300 Reputation
MrStinkyCheese
02-24-2019 at 05:08 PM.
02-24-2019 at 05:08 PM.
Quote from BrokeMansTech :
Hey all. Have had the categories Freedom card for years now and have finally decided to pull the trigger on seriously getting into rewards.

Wanted to start by adding this card and the Freedom Unlimited card. Once I get the bonuses for these 2 , and simply to avoid biting off more than I can chew, I then want to add the 4th and final card, the sapphire reserve to get the extra points bonus.

Will there be any issues using the points i accumulated before getting the Reserve card while still getting the 50% bonus that card offers, or do I need to get the reserve card first?

Last but not least, will there be any issues combining the business and personal cards under one account and pooling their points?

You can combine the points just fine, I do it whenever I remember. To combine the personal and business accounts under 1 login you call Chase after you've made a login for the business card. Tell them you want them to combine the accounts so so you can see personal on the business login. They'll do that and then you have the option of keeping the personal login or they can delete it for you. I chose to keep both. You'll be able to see business and personal via business login but only personal via the personal login.
Reply
Last edited by Chevyguy85 February 24, 2019 at 05:10 PM.
Joined May 2017
L2: Beginner
> bubble2 54 Posts
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BrokeMansTech
02-24-2019 at 07:16 PM.
02-24-2019 at 07:16 PM.
Quote from Chevyguy85 :
You can combine the points just fine, I do it whenever I remember. To combine the personal and business accounts under 1 login you call Chase after you've made a login for the business card. Tell them you want them to combine the accounts so so you can see personal on the business login. They'll do that and then you have the option of keeping the personal login or they can delete it for you. I chose to keep both. You'll be able to see business and personal via business login but only personal via the personal login.
Sweet and thank you!
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Joined Aug 2009
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> bubble2 255 Posts
DrTamo
02-25-2019 at 09:13 PM.
02-25-2019 at 09:13 PM.
How soon you can apply for this card if you already approved for chase business preferred recently?
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