[ Chase Ink Cash ] Non-Annual Fee 5x Chase UR Point-Earning Card


  • Credit Card Type: Bank rewards card (This is Business Card)
  • Current Offer: Earn 30,000 Ultimate Rewards (UR) Points after using your card to make $3,000 in purchases within the first 3 months.
  • Special Offer: None
  • Bonus Category: 5x points for office supply store/cell phone, cable and internet bill. 2x points for gas and dining. 1x points for all other purchases.
  • Annual Fee: $0


1. Points earned may be redeemed as cash back at 1 cent/point value. However, transferring points to frequent flyer/hotel partners may get you better value when redeemed for travel purposes since Chase has lots of great airline/hotel program partners.

2. You may use Chase Ink Cash card to purchase gift cards for your daily expense in office supply store and still earn 5x spending bonus.

3. 2x and 5x spending bonus has annual cap at the first $25,000 in selected categories.

Restrictions when you apply:

1. Chase Freedom is under Chase’s “5/24 limitation”, which means if you have opened 5 or more new credit card accounts in the past 24 months, you will not be automatically approved for this card. 

2. Chase allows up to two credit card approvals per day, and credit hard-pull will be combined if applied on the same day. 

3. If you are not automatically approved by Chase, you may call Chase Reconsideration Line: 1-888-270-2127.


Since this card does not have annual fee, the Ultimate Rewards points earned by this card cannot be transferred to travel partners. However, you may transfer UR points from this card to other high-end Chase Ultimate Rewards cards, such as Chase Sapphire Preferred or Chase Ink Preferred, and the UR points will be able to be transferred to travel partners for better use. The best part of this card is to earn 5x points on purchases at office supply store. Since office supply stores often sells third party gift cards (Amazon, eBay, Nordstrom… etc), you could buy multiple third party gift cards at store for your daily use to maximize the spending bonus on this card.

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