Chase is offering a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening with the Ink Business Unlimited® Credit Card. No annual fee.
Thanks to Community Member Metconnect for sharing this deal.
Chase is offering a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening with the Ink Business Unlimited® Credit Card. No annual fee.
Card Details:
OFFER ENDING SOON: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
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so i submitted my application just now...then stupidly realized I had frozen my credit with all 3 bureaus....I've now unfrozen then..should i just wait till they open monday to call, or is it ok to re-submit the application?
prepare all you business documents, and business tax income to fax or mail and you will be fine.
Chase has turned me down for retention offers every year I've asked, and I'm an OG CSR holder from 2016.
That said it's still trivial to get more than the annual fee in value out of it.
Instacart credit alone is $180 a year, plus $300 travel credit, so you're already at only $70 net cost which is less than any other chase card that enables point transfers.
Then you get instacart+ free (normally $99) so you're ahead $29, assuming you're someone who otherwise uses instacart anyway.
Then another $99 value for free dashpass membership, plus $60 a year in doordash credit so you're $188 ahead if you otherwise use all this stuff.
Then there's the $56 per pair of people airport restaurant credits from priority pass, lounge access, the $100 Precheck/GE credit every 4 years, primary rental car insurance, and more on top.
Contrast that with say the Amex Platinum card where without a retention bonus the card is much harder to be profitable because the credits are generally harder to get value out of (Unless you already drop a ton of $ on an equinox membership each year then you can make it work pretty comfortably)--- plus Amex just killed one of the best benefits- free guest access to centurion lounges.
Amex Platinum: $200/year in Uber/Uber Eats Credit + $200 Hotel + $200 (Flights charges, but google how to get it for tickets) + $240 in streaming services (Audible or Disney+, ESPN, HULU) + Walmart+(access to Paramount +) + $100 in Saks Fifth = $940 in value for a $695 fee. If you book their hotel collection (Early check in, late check out, free breakfast + $100 credit for food/resort activities) this is easily worth more than the annual fee. Plus Hilton and Marriott status. Also you get access to Amex offers, Saved $30 by paying my insurance. $10 on Amazon, and a ton others.
CSR only has Priority pass w/ Restaurants. $300 + $60 for Dash Pass. Hard to make up the other $190 in fees. Instacart is meh.
Amex Platinum: $200/year in Uber/Uber Eats Credit + $200 Hotel + $200 (Flights charges, but google how to get it for tickets) + $240 in streaming services (Audible or Disney+, ESPN, HULU) + Walmart+(access to Paramount +) + $100 in Saks Fifth = $940 in value for a $695 fee. If you book their hotel collection (Early check in, late check out, free breakfast + $100 credit for food/resort activities) this is easily worth more than the annual fee. Plus Hilton and Marriott status. Also you get access to Amex offers, Saved $30 by paying my insurance. $10 on Amazon, and a ton others.
CSR only has Priority pass w/ Restaurants. $300 + $60 for Dash Pass. Hard to make up the other $190 in fees. Instacart is meh.
I think it's hilarious you count Saks 5th avenue credits at 100% cash value but don't think "credit for groceries" is anything more than meh.
Ditto the walmart+ membership but NOT the IC+ membership
Uber at least it's pretty reasonable to take at face value... but it's harder to get the value if it's a service you don't normally use because it's harder to hit EXACTLY the credit value in an order vs an IC order....still counting both is pretty reasonable.
As to the airline credit for Amex, it's "easy" to get cash good for United with it... but you CAN NOT get flight-usable cash with most airlines....so I certainly DO count it as having value, but nowhere near the 100% value the CSR generic travel credit does unless you happen to specifically fly united, for cash, at least annually.
The hotel collection $100 credit typically requires staying at a hotel that is pretty pricey (the last one I used it for was a beautiful place in downtown Charleston- but it was $500 a night for their cheapest room.... I've rarely seen any place the credit would apply that wasn't north of $300/nt....so again not that it never has any value for anyone, but it's hardly 100% value unless you're someone who already routinely stays at $400-800/nt type hotels.
Better HIlton and Marriot statuses are available with other cards (and the level you get with the Amex Plat doesn't get you hardly anything useful- esp now since Marriott moved breakfast from gold to requiring plat)
Amex offers (the little $10/30 type discounts) are available on a TON of other amex cards too, including multiple ones with no annual fee- so that's a $0 add here)
The centurion access was something I used to put some real value on- but making guests cost $50/each basically destroys that value entirely... might still be worth something to solo travelers though.
So like I said, Amex is a lot more variable depending on if you can actually get value from the credits.
Personally?
Walmart+=$0 in value
Streaming credits=$0 in value
Saks is worth maybe $35 not $100, because I've already used several years worth churning Amex cards to get all the Reidel wine glasses I need, and the list of stuff that isn't WAY more than the value of the credit and/or WAY overpriced that I'd actually want to buy is damn short otherwise.
Airline incidentals I'll credit at 80% since it CAN be cash equivalent, but only on a couple airlines so $160.
Uber I do use so I'll count the full $200 (as you should give the full $280 for IC+ and IC credits given what ELSE you gave full value)
I'll do $50 for the hotel credit- but that's honestly being generous as you're gonna be spending signfiicantly more on the hotel itself unless you normally stay at 5 star hotels.
So that's... $445 in value... for a $695 annual fee. So I'm still $250 in the hole.
And still requires you to get full or at least decent value out of 4 different types of credits. Making the card profitable means you'd need to get FULL value out of at least 6 different types. Certainly not impossible- but as I say- pretty YMMV.
Vs CSR... where of the $550 fee, $300 comes directly off for any travel...then another $280 with IC credits and IC+ membership at a single service that- like Uber- I use regularly.
So I'm $30 ahead of the annual fee with JUST that...before you've considered:
$56 per couple at airport restaurants- every time you're at an eligible restaurant- so I personally get north of $200/yr with this one alone- sometimes twice that if I'm taking indirect flights where PPRs exist.
Free primary rental insurance (this an extra $25 -per rental- with Amex)- and primary really is a big difference, so that's at least $50-100 a year depending how often I rent.
Free lyft pink membership (this has dropped in value since they revised the program, so if you don't wanna credit its cash equiv of $99 that's fine- but still has SOME value especially for free priority pickup at busy airports let's say only 20% of cash so $20)
The fact I MUST have a paid chase card to make valuable point transfers and that'd be $95 minimum with any other card. Even ignoring that and just going with the 3 above I'm $300-500 ahead annually on CSR...vs in the hole with Amex Plat.
aww i got rejected with 700 credit score, guess i should have lied and said i was making more than zero a year lol
700 score is very low these days buddy! Most lenders and issuers want 800 or more in fico score to give you the loan, deals, cardr etc. good thing is it is very easy to establish good credit history and good score. Mine is 840 fico
I applied this card more than a month and still haven't received letter approved or denied.
Usually takes about 2 weeks. Sounds like something is wrong. You can get an automated answer on the application status line for business applications 800-453-9719 (personal cards 800-432-3117). If it's more than a month then it's possible the application has aged out of that automated system
Card taking a long time to come. But will it work if I do a balance transfer from another card? And if there a fee for new users? Or it doesn't matter if you new or not there will be a fee.
It typically takes 10-14 days. Balance transfers don't count towards the $6,000 purchase
Could someone compare this card vs Capital One Venture 4k spending deal? Which one is better? I will mainly use it for airlines, either transfer or book thru portal
CapitalOne Venture X is a strong alternative to Chase Reserve. Lower annual fee $395 vs $550, with pretty close comparable perks, and gives you 2% on all other purchases. The only downside for me is C1 doesn't transfer to United nor Hyatt, which I use.
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That said it's still trivial to get more than the annual fee in value out of it.
Instacart credit alone is $180 a year, plus $300 travel credit, so you're already at only $70 net cost which is less than any other chase card that enables point transfers.
Then you get instacart+ free (normally $99) so you're ahead $29, assuming you're someone who otherwise uses instacart anyway.
Then another $99 value for free dashpass membership, plus $60 a year in doordash credit so you're $188 ahead if you otherwise use all this stuff.
Then there's the $56 per pair of people airport restaurant credits from priority pass, lounge access, the $100 Precheck/GE credit every 4 years, primary rental car insurance, and more on top.
Contrast that with say the Amex Platinum card where without a retention bonus the card is much harder to be profitable because the credits are generally harder to get value out of (Unless you already drop a ton of $ on an equinox membership each year then you can make it work pretty comfortably)--- plus Amex just killed one of the best benefits- free guest access to centurion lounges.
CSR only has Priority pass w/ Restaurants. $300 + $60 for Dash Pass. Hard to make up the other $190 in fees. Instacart is meh.
CSR only has Priority pass w/ Restaurants. $300 + $60 for Dash Pass. Hard to make up the other $190 in fees. Instacart is meh.
I think it's hilarious you count Saks 5th avenue credits at 100% cash value but don't think "credit for groceries" is anything more than meh.
Ditto the walmart+ membership but NOT the IC+ membership
Uber at least it's pretty reasonable to take at face value... but it's harder to get the value if it's a service you don't normally use because it's harder to hit EXACTLY the credit value in an order vs an IC order....still counting both is pretty reasonable.
As to the airline credit for Amex, it's "easy" to get cash good for United with it... but you CAN NOT get flight-usable cash with most airlines....so I certainly DO count it as having value, but nowhere near the 100% value the CSR generic travel credit does unless you happen to specifically fly united, for cash, at least annually.
The hotel collection $100 credit typically requires staying at a hotel that is pretty pricey (the last one I used it for was a beautiful place in downtown Charleston- but it was $500 a night for their cheapest room.... I've rarely seen any place the credit would apply that wasn't north of $300/nt....so again not that it never has any value for anyone, but it's hardly 100% value unless you're someone who already routinely stays at $400-800/nt type hotels.
Better HIlton and Marriot statuses are available with other cards (and the level you get with the Amex Plat doesn't get you hardly anything useful- esp now since Marriott moved breakfast from gold to requiring plat)
Amex offers (the little $10/30 type discounts) are available on a TON of other amex cards too, including multiple ones with no annual fee- so that's a $0 add here)
The centurion access was something I used to put some real value on- but making guests cost $50/each basically destroys that value entirely... might still be worth something to solo travelers though.
So like I said, Amex is a lot more variable depending on if you can actually get value from the credits.
Personally?
Walmart+=$0 in value
Streaming credits=$0 in value
Saks is worth maybe $35 not $100, because I've already used several years worth churning Amex cards to get all the Reidel wine glasses I need, and the list of stuff that isn't WAY more than the value of the credit and/or WAY overpriced that I'd actually want to buy is damn short otherwise.
Airline incidentals I'll credit at 80% since it CAN be cash equivalent, but only on a couple airlines so $160.
Uber I do use so I'll count the full $200 (as you should give the full $280 for IC+ and IC credits given what ELSE you gave full value)
I'll do $50 for the hotel credit- but that's honestly being generous as you're gonna be spending signfiicantly more on the hotel itself unless you normally stay at 5 star hotels.
So that's... $445 in value... for a $695 annual fee. So I'm still $250 in the hole.
And still requires you to get full or at least decent value out of 4 different types of credits. Making the card profitable means you'd need to get FULL value out of at least 6 different types. Certainly not impossible- but as I say- pretty YMMV.
Vs CSR... where of the $550 fee, $300 comes directly off for any travel...then another $280 with IC credits and IC+ membership at a single service that- like Uber- I use regularly.
So I'm $30 ahead of the annual fee with JUST that...before you've considered:
$56 per couple at airport restaurants- every time you're at an eligible restaurant- so I personally get north of $200/yr with this one alone- sometimes twice that if I'm taking indirect flights where PPRs exist.
Free primary rental insurance (this an extra $25 -per rental- with Amex)- and primary really is a big difference, so that's at least $50-100 a year depending how often I rent.
Free lyft pink membership (this has dropped in value since they revised the program, so if you don't wanna credit its cash equiv of $99 that's fine- but still has SOME value especially for free priority pickup at busy airports let's say only 20% of cash so $20)
The fact I MUST have a paid chase card to make valuable point transfers and that'd be $95 minimum with any other card. Even ignoring that and just going with the 3 above I'm $300-500 ahead annually on CSR...vs in the hole with Amex Plat.
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Just came in today. But went to my business address instead of my personal address.
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