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Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Full benefits & perks
- No annual fee
- Does not count against Chase's 5/24 rule
- Pairs with Chase Sapphire Preferred® to unlock transfer partners
- Free employee cards with spending controls
My thoughts
This card is marketed as cash back, but it actually earns Chase Ultimate Rewards, which are some of the most valuable points out there. The $750 welcome offer is excellent for a no-fee card, and the unlimited 1.5% back on all purchases is a no-brainer. The important thing to know is that you need an additional Chase card to make these points fully flexible. If you combine them onto a Chase Sapphire Preferred® Card, Chase Sapphire Reserve, or Ink Business Preferred® Credit Card, you unlock access to all of Chase's transfer partners and the points become much more valuable than just cash back. This card also doesn't count toward your 5/24 number, which is a huge advantage. And before you write it off because you don't think you have a business — it might be easier to qualify than you think. Note: Chase recently added lifetime language to the Ink cards, so you may not qualify if you have had this card or one of the other two Ink cards before. The exception to this is if you have a different LLC/SCorp that you are applying with.
How to use your points
On its own this card earns cash back, but pair it with a Sapphire Preferred and things get exciting. Here are some of the best ways to use those points:
- Combine points onto a Sapphire Preferred to unlock transfer partners — learn how to combine points
- Redeem as cash back as a statement credit
- Book through Chase Travel
Don't let the "cash back" label fool you — this card earns real travel points.
- Marketed as cash back but actually earns Chase Ultimate Rewards!
- No annual fee means it's a keeper forever
- Doesn't count against Chase's 5/24 rule
- Pair it with a Sapphire Preferred to unlock transfer partners and massively increase value
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.