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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.

Original Post

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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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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 May 2010
L7: Teacher
> bubble2 2,360 Posts
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Daekwan
01-17-2023 at 06:27 AM.
01-17-2023 at 06:27 AM.
Needed a new card, so this one advertised on SD said why not. Little surprised it was approved instantly, still do not know for what amount. But guess it does help that I've had personal & business cards from Chase for almost 10 years now. I believe my last application was for the Southwest Biz Performance card back in 2019. However, the only Chase Biz card I have open now is an Ink Biz Plus that's been around ongoing for like 8 years now. So I'm guessing Chase was hungry for me to have another one.

Immediately called Chase to confirm approval + bonus. Also to ask them to overnight ship the card so I can use it immediately. They confirmed bonus and new card will arrive in 1-2 business days. Also told me the deadline by which I have to spend $6,000 minimum requirement.

Excellent service as always. Will try for the Biz Unlimited with the same 90,000-point bonus later this year.
Reply
Last edited by Daekwan January 17, 2023 at 06:38 AM.
Joined Aug 2016
L4: Apprentice
> bubble2 384 Posts
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gerrydavid79
01-17-2023 at 01:55 PM.
01-17-2023 at 01:55 PM.
turned down, so that sucks. my credit is fairly descent and I actually do am self employed.
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Joined Nov 2015
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> bubble2 46 Posts
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NavLord
01-18-2023 at 03:08 AM.
01-18-2023 at 03:08 AM.
I applied and got you will hear in 30 days email. After applying I got email only from Experian for credit pull but not from TransUnion and Equifax. Then I realized I have locked credit on both. I applied as sole proprietorship and sure it will come down to show proof once I call them.

What should I do? No idea how I received US Bank card approved 6 month back with no credit pull Smilie
Reply
Joined Jul 2009
L6: Expert
> bubble2 1,197 Posts
283 Reputation
ViciousXUSMC
01-18-2023 at 08:26 AM.
01-18-2023 at 08:26 AM.
I just got an email the other day that I am pre-aprooved for the Ink Business Unlimited.
But I think this is the card I might actually get more from.

In both cases the $900 cash back is the main reason to get either.
I usually stick with Discover 2% cash back on everything as my go to card.

I am assuming there is a difference in applying for this one vs one I am pre-aprooved for.
Perhaps different credit limit, or a soft pull vs hard pull on credit?
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Joined Apr 2012
L2: Beginner
> bubble2 26 Posts
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hari83608
01-18-2023 at 08:33 AM.
01-18-2023 at 08:33 AM.
Cant be applied as a individual looks like?
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Joined Jul 2009
L6: Expert
> bubble2 1,197 Posts
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ViciousXUSMC
01-18-2023 at 01:14 PM.
01-18-2023 at 01:14 PM.
To go back to my own comment.
I applied for the Business Cash card, even though I was pre-aprooved for the Business Unlimited card this one did not get instantly approved.

They pulled my credit report and its under review.

So have to see what the outcome is.

As for individual vs business.

From my application process it looks very much like you need a business of some sort. Maybe not LLC level, but some kind of personal business, as there were many parts of the application in regards to my business.

What I assume will hurt me is my business is a side thing, I do not make a lot of money from it. My main income is my normal full time job. So I have no idea how much they will weight my credit score and income vs the "business side"
Reply
Joined Nov 2015
L3: Novice
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Nihopayega
01-18-2023 at 03:24 PM.
01-18-2023 at 03:24 PM.
What if i dont own a business?
Reply

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Joined Sep 2008
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qwertyuio
01-18-2023 at 07:20 PM.
01-18-2023 at 07:20 PM.
Quote from NavLord :
I applied and got you will hear in 30 days email. After applying I got email only from Experian for credit pull but not from TransUnion and Equifax. Then I realized I have locked credit on both. I applied as sole proprietorship and sure it will come down to show proof once I call them.

What should I do? No idea how I received US Bank card approved 6 month back with no credit pull Smilie

I think you are fine. Chase only pulled Experian for me.
Reply
Joined Apr 2013
L3: Novice
> bubble2 244 Posts
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Statikp
01-18-2023 at 09:55 PM.
01-18-2023 at 09:55 PM.
Quote from Nihopayega :
What if i dont own a business?
you can apply as sole prop which works. qualifying for a business credit card is a very broad subject. selling a couple things on any of the marketplaces or ebay and that counts even
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Joined Apr 2013
L3: Novice
> bubble2 244 Posts
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Statikp
01-18-2023 at 09:57 PM.
01-18-2023 at 09:57 PM.
Quote from gerrydavid79 :
turned down, so that sucks. my credit is fairly descent and I actually do am self employed.
what was the reason why? feel free to PM and I might be able to help steer you in a direction
Reply
Joined Jan 2022
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Feelinglucky76
01-19-2023 at 12:17 AM.
01-19-2023 at 12:17 AM.
No cash redemption towards your outstanding. Only points to purchase something else . I figured this later 🙄
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Joined May 2007
L3: Novice
> bubble2 261 Posts
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steelgtr
01-19-2023 at 02:14 PM.
01-19-2023 at 02:14 PM.
Quote from Feelinglucky76 :
No cash redemption towards your outstanding. Only points to purchase something else . I figured this later 🙄
The $900 is points ????
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Joined Feb 2011
L7: Teacher
> bubble2 2,223 Posts
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bru_that
01-19-2023 at 11:50 PM.
01-19-2023 at 11:50 PM.
Quote from steelgtr :
The $900 is points ????
Yes, which you may also choose to redeem as statement credits.
Reply
Joined Jul 2009
L6: Expert
> bubble2 1,197 Posts
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ViciousXUSMC
01-20-2023 at 09:49 AM.
01-20-2023 at 09:49 AM.
Was not instantly approved.
Got an email the next day to say I was and my welcome kit is on the way.

Still no application on file when i call the main number, nor do I see any new account when I log into chase, so I do not know what my limit will be yet.

I did already see a drop in my credit score from applying, but decided that was acceptable to have a new card with these benefits and the introductory offer.

Maybe I should have gone with the Business Unlimited as I was pre-aprooved for that one, and the $6000 I will spend would have applied to the 1.5% cash back in addition to the intro offer.

Does anyone have a list of what is under the "office products" category, it looks like its based on store, so a list of stores?

For me business expenses are things like cameras, electronics, computers stuff, etc. Hoping to find some way to get some of that to fall in the rewards.
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Joined Nov 2015
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NavLord
01-21-2023 at 11:01 AM.
01-21-2023 at 11:01 AM.
I got mail saying they need to verify my TIN. I applied with my SSN as sole proprietorship. Will call them and hope it they consider my made up business legit. 🙂
Reply
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