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Ink Business Cash® Credit Card: $900 Bonus Cash Back After you Spend $6,000 in the First 3 Months Expired

+74 Deal Score
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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 Cash® Credit Card. No annual fee.

Thanks to Deal Editor iconian for posting this deal.

Card Details: Slickdeals may be compensated by Chase.

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Edited March 20, 2023 at 07:44 AM by
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 Cash® 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 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 purchases
  • 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.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Slickdeals may be compensated by Chase.
Created 10-28-2022 at 10:58 AM by iconian | Staff
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Deal
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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.

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Yes, apply as a sole proprietor with your social security number instead of an EIN and your business name the exact same as your own legal name. Zero employees. Business income can be listed as little as $1,000 (resale, babysitting whatever it is you do)

Most Ink card require a recon call or get a pop-up saying you will hear about a decision later. About 90% of people get that. Also, most get a low limit ($3-4K)

Remember the $900 comes back as points, not cash (but can be converted to cash).
Got this card mid October for the regular $750/7500 promotion. Called in today to see if I could get the $900/6000 promotion and they did it no problem, just have to have reached the 6000 threshold when calling. In case anyone is in the same situation as I was 👍🏻
No, they most certainly don't, and no, it's not income

I've got 7 figures of Chase UR points and 0 1099s.

It's not income.

The IRS agrees it's not income.

If you have to spend anything to get it, it's a REBATE, not income. Not taxable, No 1099.



Here's a bunch of sources all telling you you're wrong

https://www.cnbc.com/select/are-c...%2Dtaxable.




https://www.cnet.com/personal-fin...s-taxable/





https://calibrecpa.com/tax-regula...k-rewards/





I could list 20 more- they'd all say the same.



The only time you get a 1099 from Chase (or any bank) for CREDIT CARD BONUSES is if it's a non spending bonus


Like a referral.

And ONLY if those add up to more than $600 in a year.

NOT for signup bonuses which require spend. Which, again, are not taxable and no 1099 is issued


Also taxable would be things like offering you $ or points for opening a checking or savings account--- because you don't need to SPEND anything. So if that added up to more than $600 you'd get a 1099.


But credit card spend required signups? Not income. No 1099.

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Joined Dec 2008
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Flynt_Flossy
12-24-2022 at 11:02 AM.
12-24-2022 at 11:02 AM.
Hi. I dont have a business. Can someone confirm they applied using their SSN and sole proprietor? What max credit lime did you ask? ($4k?)

Also I see Ink Business Cash and Ink Business Unlimited on my Chase app as available Business card options. It would be better to go with the Cash version, right? I never have had Ink in the past.
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Joined Sep 2013
L6: Expert
> bubble2 1,397 Posts
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okhello
12-25-2022 at 10:38 PM.
12-25-2022 at 10:38 PM.
Quote from dealkk :
I thought this doesn't pull my credit report but it did maybe because i put in ssn and sole proprietorship

Nope, any time you apply for a major credit card like this, it will do a hard pull. Even a fricken Amazon store card sponsored by a Synchrony bank did a hard pull on me. If you are not sure about hard pull or soft pull, Google the question about it and there will be answers displayed for you immediately. A hard pull on this card is worth it, not a stupid Amazon store card or any retail store card like Home Depot, etc..
Reply
Last edited by okkhello December 25, 2022 at 10:40 PM.
Joined Sep 2013
L6: Expert
> bubble2 1,397 Posts
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okhello
12-25-2022 at 10:44 PM.
12-25-2022 at 10:44 PM.
Quote from ppbbround :
Got rejected, credit score is 844 and no new credit cards in the last 2 years, have had an account with Chase for about 4 years.

Did they say the reason why? Nowadays the credit card company will send a letter to you through your email. I got rejection from Citi and got a response email letter and no physical letter.
Reply
Joined Sep 2011
Price Compare, Always
> bubble2 18,043 Posts
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This user is an Expert in Tech & Electronics
bluekiwi
12-25-2022 at 11:45 PM.
12-25-2022 at 11:45 PM.
Quote from Flynt_Flossy :
Hi. I dont have a business. Can someone confirm they applied using their SSN and sole proprietor? What max credit lime did you ask? ($4k?)

Also I see Ink Business Cash and Ink Business Unlimited on my Chase app as available Business card options. It would be better to go with the Cash version, right? I never have had Ink in the past.
I do not have a business. Applied using SSN and sole proprietor listed, made up a # for business income. Was not asked what credit limit I wanted, was given $14k
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Joined Oct 2013
L4: Apprentice
> bubble2 432 Posts
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ppbbround
12-26-2022 at 01:46 PM.
12-26-2022 at 01:46 PM.
Quote from okkhello :
Did they say the reason why? Nowadays the credit card company will send a letter to you through your email. I got rejection from Citi and got a response email letter and no physical letter.
"insufficient installment loan information" I have loans.... I ended up calling the reconsideration line and after about 10 minutes of questions I got approved.
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Joined Sep 2013
L6: Expert
> bubble2 1,397 Posts
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okhello
12-27-2022 at 01:52 AM.
12-27-2022 at 01:52 AM.
Quote from ppbbround :
"insufficient installment loan information" I have loans.... I ended up calling the reconsideration line and after about 10 minutes of questions I got approved.

Congratulations...I wish I have a new one. I already have one for like 20 years and not close yet. I wonder will they give me a new one?
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Joined Nov 2008
L10: Grand Master
> bubble2 13,000 Posts
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575rider
12-28-2022 at 06:03 AM.
12-28-2022 at 06:03 AM.
Anyone go with the Ink Business Premier instead? Yes, it has a $195 annual fee and requires $10,000 in purchases during first 3 months, but you receive $1,000 bonus and looks like 2% back on all purchases.

NM: I now see those points cannot be transferred to other cards or partners.
Reply
Last edited by 575rider December 28, 2022 at 06:49 AM.

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Joined Dec 2008
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Flynt_Flossy
12-28-2022 at 01:09 PM.
12-28-2022 at 01:09 PM.
Ok I just applied and I got the message that it's being reviewed and be in touch soon. I suppose via mail. (Sole proprietor, 1k month spend, 5k annual gross profit)

Have credit score 780+. (805 via Discover credit check)

If I get a letter in the next few days, should I call them to reconsider my application? It's likely I was denied but I won't know I guess until I get the physical letter.

Why do they do this btw? Why can't they just tell you asap?

Edit: just checked my email and have been approved! Not sure the credit limit or anything but the email took about 2hrs to get to me.

I have dental work that I will use for this and get some cashback.
Reply
Last edited by Flynt_Flossy December 28, 2022 at 06:18 PM.
Joined Sep 2013
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> bubble2 1,397 Posts
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okhello
12-29-2022 at 05:02 AM.
12-29-2022 at 05:02 AM.
Quote from elite-fusion :
any ideas on how to churn the $6k?
Dont have any such large purchases coming up in the near future, so just trying to figure out what would be the best way to spend the money without really spending it lol

Paypal is one way, but it comes at a $217 cost to do so, which would essentially eat out of the $900 cash back that you'd get from this card, which in turn make is a worser deal that it actually is...

Any ideas?

Property tax if you have one but the county will charge you 2.9% on credit card. It is ok to me because the cash back on that will offset around 60% of that charge.
Reply
Last edited by okkhello December 29, 2022 at 05:10 AM.
Joined Sep 2013
L6: Expert
> bubble2 1,397 Posts
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okhello
12-29-2022 at 05:07 AM.
12-29-2022 at 05:07 AM.
Quote from Flynt_Flossy :
Ok I just applied and I got the message that it's being reviewed and be in touch soon. I suppose via mail. (Sole proprietor, 1k month spend, 5k annual gross profit)

Have credit score 780+. (805 via Discover credit check)

If I get a letter in the next few days, should I call them to reconsider my application? It's likely I was denied but I won't know I guess until I get the physical letter.

Why do they do this btw? Why can't they just tell you asap?

Edit: just checked my email and have been approved! Not sure the credit limit or anything but the email took about 2hrs to get to me.

I have dental work that I will use for this and get some cashback.

There is something on your credit report that they have to think about it. That means you have a better chance of approval instead of denying immediately after submitting application. I am not surprised that you will be approved. If they deny you, call the reconsideration number and prepare to speak nicely no matter what they ask.
Reply
Joined Dec 2008
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> bubble2 1,841 Posts
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Flynt_Flossy
12-29-2022 at 05:51 AM.
12-29-2022 at 05:51 AM.
Quote from okkhello :
There is something on your credit report that they have to think about it. That means you have a better chance of approval instead of denying immediately after submitting application. I am not surprised that you will be approved. If they deny you, call the reconsideration number and prepare to speak nicely no matter what they ask.
Thanks.

I did end up getting approved. I will say I have 3 regular chase cards. This is my first ink Business card and it's been like 2 yrs since I got any credit card.
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Joined Sep 2013
L6: Expert
> bubble2 1,397 Posts
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okhello
12-29-2022 at 06:00 AM.
12-29-2022 at 06:00 AM.
Quote from Flynt_Flossy :
Thanks.

I did end up getting approved. I will say I have 3 regular chase cards. This is my first ink Business card and it's been like 2 yrs since I got any credit card.

Congratulations you got a big bonus on credit card. Sorry I didn't read your message entirely before responding to you. Anyway I already have 3 Chase credit cards too (Ink cash, ink unlimited, freedom). I would like to apply this ink cash but worry that they might deny me because I already have ink cash and get 4 points decrease. It would be sweet if I get this because I am going to pay my property tax that is around $6000.
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Joined Jun 2005
L3: Novice
> bubble2 269 Posts
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newbie audio
12-29-2022 at 02:41 PM.
12-29-2022 at 02:41 PM.
Hello everyone,

I need help with combine Chase Ultimate Rewards points between my accounts.

I have Ultimate Rewards points from Chase Sapphire Preferred, Chase Freedom and Chase Ink Business Cash. I'm hoping to get my points from the Chase Ink Unlimited Cash credit cards soon after I met the spending threshold.

Issues that I have:

When I try to combine points in the Ultimate Rewards portal from the Chase Ink Business Cash login, it does not have an account for me to transfer points to. How do I add the Chase Sapphire Preferred card here so I can transfer the points to?

When I try to combine points in the Ultimate Rewards portal from the Chase Sapphire Preferred login, I can combine points from my Chase Freedom to my Chase Sapphire Preferred or vise versa, but no points from Chase Ink Business Cash available here. How do I add the Chase Ink Business Cash so I can combine its points with other Chase credit cards?

If you have done this before, please show me how to combine points from the Ink Business Cash to the Chase Sapphire Preferred, so I can transfer the combined points to the Travel Partners.

Thanks so much for your help.
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Joined Jun 2005
L3: Novice
> bubble2 269 Posts
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newbie audio
12-29-2022 at 04:42 PM.
12-29-2022 at 04:42 PM.
Just in case someone have the same issue that I have.

I called the number on the back of my Chase Sapphire Preferred CC and asked if they can add the Chase Ink card to my Chase Sapphire Preferred's Ultimate Rewards account, so I can combine the points. They said that I can no longer do it online, but they can transfer it for me. So they did for me and the points were instantly transferred to my Chase Sapphire Preferred's Ultimate Rewards.
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derter1
12-29-2022 at 05:15 PM.
12-29-2022 at 05:15 PM.
Got chase sapphire earlier this year and got approved for this. This is 3rd or 4th chase card.
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Last edited by derter1 December 29, 2022 at 05:18 PM.
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