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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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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 2007
L4: Apprentice
> bubble2 497 Posts
172 Reputation
bazza36
03-05-2023 at 09:33 PM.
03-05-2023 at 09:33 PM.
Quote from candelabra :
That is 100% NOT the case. Matter of fact i had separate logins amd chase merged them at their instigation. All the accounts are combined, and on some pages you select the blue oval at the top to toggle personal and business. Been that way for years. Check it out
The personal accounts can be merged to your business login, but not the other way around.
May have to call to combine them to the business login.
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,327 Posts
4,338 Reputation
Knightshade
03-05-2023 at 09:49 PM.
03-05-2023 at 09:49 PM.
Quote from samsingla :
The $6k has to be spent on valid business expenses? I know it matters to the IRS, but does it matter to Chase?

Nobody, including the IRS, cares what you spend it on.

The IRS might care if you try and deduct the spending on your tax returns, but that has nothing to do with what method you used to spend the money.
Reply
Joined Aug 2020
New User
> bubble2 4 Posts
10 Reputation
TenseRoute5041
03-06-2023 at 05:13 AM.
03-06-2023 at 05:13 AM.
Quote from bluekiwi :
I spent $3500 on tuition and the rest on amazon and other stores. Already received the 90k points, chase does not care

How long does it take for points to post after reaching the spend? Is it the end of the billing cycle ?
Reply
Joined Sep 2011
Price Compare, Always
> bubble2 18,043 Posts
3,540 Reputation
Expert
This user is an Expert in Tech & Electronics
bluekiwi
03-06-2023 at 05:27 AM.

Our community has rated this post as helpful. If you agree, why not thank bluekiwi

03-06-2023 at 05:27 AM.
Quote from TenseRoute5041 :
How long does it take for points to post after reaching the spend? Is it the end of the billing cycle ?
The 90k points posted as soon as I hit the $6,000 minimum spend.
It was nice that chase did that.
1
Reply
Joined Aug 2006
bring it on!!!
> bubble2 1,982 Posts
1,573 Reputation
proud2bpinoy
03-06-2023 at 06:26 AM.
03-06-2023 at 06:26 AM.
If I already have the Ink Business Cash (got it from 3 years ago), can I apply for the Ink Business Unlimited and still qualify for the $900 Cash back?

My wife was denied trying to get the Ink Business Cash. We have upcoming expenses and getting the $900 cash back is a cherry on top.
Reply
Joined Feb 2021
L6: Expert
> bubble2 1,772 Posts
300 Reputation
nyc10036
03-06-2023 at 06:53 AM.
03-06-2023 at 06:53 AM.
Quote from bluekiwi :
The 90k points posted as soon as I hit the $6,000 minimum spend.
It was nice that chase did that.
Chase does this on their credit cards.
I love that.

Reply
Joined May 2011
L5: Journeyman
> bubble2 932 Posts
68 Reputation
boingyman
03-06-2023 at 03:43 PM.
03-06-2023 at 03:43 PM.
Seems like the new bonus will be 75,000 UR points after $6k spend in 3 months, however referral bonuses will double to 40,000 UR (with max 200,000 per calendar year). So for those that do Player 2 mode this is even higher than 90,000/20,000 that is current. Also huge bonus if you can refer others. Travel blogs, sites, FB groups are probably drooling over this, but I'm sure they hit the max quickly anyways....
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Joined Jun 2019
L2: Beginner
> bubble2 2,120 Posts
467 Reputation
Fanime
03-06-2023 at 03:53 PM.
03-06-2023 at 03:53 PM.
Applied with $1.5k revenue "business" and estimated $200 monthly spend. Got a 7-10 day message but received an email immediately stating approval.
Reply
Joined May 2022
L6: Expert
> bubble2 1,608 Posts
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1453191819231991
03-06-2023 at 03:54 PM.
03-06-2023 at 03:54 PM.
Quote from Fanime :
Applied with $1.5k revenue "business" and estimated $200 monthly spend. Got a 7-10 day message but received an email immediately stating approval.

Credit score and age of credit?
Reply
Joined Jun 2019
L2: Beginner
> bubble2 2,120 Posts
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Fanime
03-06-2023 at 04:04 PM.
03-06-2023 at 04:04 PM.
Quote from 1453191819231991 :
Credit score and age of credit?
Oldest account is 13 yrs, 5 yr average. 820 FICO.
Reply
Joined May 2022
L6: Expert
> bubble2 1,608 Posts
90 Reputation
1453191819231991
03-06-2023 at 04:46 PM.
03-06-2023 at 04:46 PM.
Quote from Fanime :
Oldest account is 13 yrs, 5 yr average. 820 FICO.

Well, good for you brotherSmilie

No question you'd be approved
Reply
Joined Mar 2013
L8: Grand Teacher
> bubble2 3,849 Posts
4,689 Reputation
vksduser
03-06-2023 at 10:31 PM.
03-06-2023 at 10:31 PM.
Quote from proud2bpinoy :
If I already have the Ink Business Cash (got it from 3 years ago), can I apply for the Ink Business Unlimited and still qualify for the $900 Cash back?

My wife was denied trying to get the Ink Business Cash. We have upcoming expenses and getting the $900 cash back is a cherry on top.
yes both are different cards
Reply
Joined May 2016
L2: Beginner
> bubble2 39 Posts
14 Reputation
shop4free
03-07-2023 at 12:29 AM.
03-07-2023 at 12:29 AM.
Quote from preacherzson :
That's a good word. Tax season is always a good churn this time of year.
doesn't it charge a fee tho?
Reply
Joined Dec 2007
L5: Journeyman
> bubble2 904 Posts
93 Reputation
ghettoroadster
03-07-2023 at 08:18 AM.
03-07-2023 at 08:18 AM.
Quote from 1453191819231991 :
Well, good for you brotherSmilie

No question you'd be approved
I have similar credit history as the poster, and I was denied a CIC when applying with SSN and sole proprietorship. GL to everyone.
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Joined Aug 2011
L4: Apprentice
> bubble2 433 Posts
101 Reputation
samsingla
03-08-2023 at 02:46 PM.
03-08-2023 at 02:46 PM.
Applied online and completely forgot I had my experian file frozen. Placed a temporary thaw on experian and called chase back to get the application approved with 1-2 days card delivery. Got $15K credit line. If anyone runs into the same issue, do not resubmit your application, just call Chase after you unfreeze your report.
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