What Still Earns 5X with Chase Ink Business Cards


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What Still Earns 5X with Chase Ink Business Cards

Chase’s Ultimate Rewards may be the most sought after points available today.  Chase offers some of the most rewarding cards out there. None have been more rewarding than the Chase Ink Business line of credit cards.  And Chase Ink Business Plus and Cash cards have been leading that charge.

The Chase Ink Business Plus was discontinued by Chase a few years ago to make way for the Chase Ink Business Preferred.  Many of us still have the Ink Plus since Chase pulled the application but kept the card active.  It was my favorite card for the longest time but nothing has been hit harder over the last 6 months than this card.

The Chase Ink Business Cash card has the same earning structure as the Plus with lower earning caps.

CLICK HERE to compare this card and other business rewards credit cards

Chase Ink Business Plus Devaluation

The Chase Ink Plus/Cash cards are a favorite of many, including myself, because of it’s 5X Chase Ultimate Rewards earning capabilities.  You were able to earn 5X UR in a variety of ways, many that were probably coding in error.  These were easy “increase spending” opportunities.

Most of those avenues have dried up recently.  We have lost the following 5X earning partners over the last 6 months:

What is Left?

That brings us to the question of what is still left?  Where can we still earn 5X Ultimate Rewards easily?

Here is a list of the partners that are still earning 5X Ultimate Rewards points:


It is getting down to slim pickings and that has knocked the Ink Plus off of my favorite card perch.  That probably goes to the Blue for Business Plus by American Express now.

While there isn’t as much meat on the bone anymore there are still some opportunities to be had.  Make sure you are using all avenues while you can because who knows when the next one will fall!


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  1. i’m sure there is a comprehensive list on ft somewhere. but Tmobile.com and us mobile and all cell phone companies still code 5x

    • They do for sure – this was more about increased spending opportunities. I should have made that more clear.

  2. I have to call in to downgrade (already tried by SM). Really hate to do it but it’s not worth the AF. We’re not in a position to travel much anyways so what may happen is I accumulate UR and perhaps upgrade down the road if or when the time is right and cash in the rewards at better than 1cpp.

  3. Hi Mark, I would like to ask you a very frank question since I have been following your MS strategies for a while now with interest. How much cash do you generate annually (net) from gift card buying/reselling?

      • Nice…extrapolated is $3k/yr but those numbers certainly imcrease rapidly during holiday season/specials.

        My own observation to Dave’s response (below) is to use SPG AMEX for non-bonus spend. MRs (BfB) are great for airline tix redemptions but NOT hotel redemptions – awful because MRs accumulate quickly for airline purchases (5x MR) but just don’t redeem fluidly for good hotel stays. SPG points on the other hand can also be easily transferred to airlines if needed, along with a nice bonus.

        I think both free hotel stays AND free airline tix are the optimal mix for a starter portfolio. Doesn’t help much to get a cheap/free tkt to Iceland, for instance, with no help on $400/nght rooms! Points stagnate & age if BOTH sides of the travel equation aren’t met.

        • Agree that you need a mix. I get most of my hotel points from sign up bonuses and try to focus my spend on airline miles/cash back.

  4. Not sure why anyone would pick the Blue for Business over the Ink Plus. I have both and rarely see any reason to use the Blue. Particularly now that Open is dying!
    I have yet to see a decent Amex offer on the BfB, while there have been a few good Visa offers. I am a reseller and the office supply 5% is killer. Whether I buy merch or G/C, the UR points convert to cash easily. The MR points are cumbersome. The Simply Cash and Blue cash are much better options than the BfB.
    Of course that’s why they make Chocolate and Vanilla, glad the card works for someone!

    • What do you use for non bonus spend Dave? It is the best card out there for non bonus spend in my opinion.

      • Could you clarify non-bonus? Do you mean not calendar quarter based, single store or store category (like grocery/office/Amazon)? I buy a lot of G/C, but all for organic spending. I prefer a 2% card with no redemption minimum for daily spend. And a debit card or two, though the PPBDC has lost its appeal and the Redbird/Serve are dead. I don’t do traditional MS.
        The Visa is accepted everywhere, I never have to worry about acceptance. I can barely spend my MR points that I earn.

        • I meant places that don’t traditionally earn bonus points like car repair, medical bills etc. sounds like you use a 2% cash back card for that.

          But if MR’s are not valuable/easy to use for you then it wouldn’t be a good fit. But most people would get 3% back (or more) from the 2 MR’s the card earns on non bonused spend.

  5. Mark, want you to know too that Capital One just allowed me to upgrade my ancient card with them to a Savor, 3x cash back on dining. Great news for some good cash back on bonus spend with no AF, no point expirations, no caps, & no hassles with redemptions. Can (obviously) do the same/better with my CSR but finally able to put a decrepit credit line to some addtl use besides just increasing the age of my credit history. Might be a workable strategy for other Cap 1 acct holders, thx.

  6. can you please elaborate on why you think Staples.com is the best place to get visa gift cards that are not on sale ?

    • Max $300 cards with 8.95 fee(about 3%) instead of max $200 cards with 6.95 fee(about 3.5%).

      Also you can buy up to 6 cards in one order ($2k max order). Try doing that at Staples and you get stares.

      Plus, you know, the lazy factor… Online shopping vs b&m.

    • Pretty much what Mikey said. Lower cost, bigger cards, easier to purchase and drain. Only in terms of earning 5x though.

  7. Sadly, who knows if Staples will continue to have gift cards in sale now that they have gotten rid of rebates.

  8. I have the Chase Ink Business Plus — still getting 5% on the internet, phone, and cable TV. Which is the main reason I have this card. Occasionally use it for office supplies.

    • Do you surpass 25K per year? If not why not downgrade it to the cash unless you don’t have a CSP or CSR?

  9. I’m relatively new at this, but have Inc Business Preferred and Inc Cash to get the 5x; you mention using Paypal to buy at Gyft and Swych; how exactly is this done? Thanks for the columns!

    • Gyft you can buy online and just chose PayPal when checking out and pay with your ink cash card. Swych is a app you need to download on your phone and you can choose PayPal to check out.

      • Thanks very much for the tip- has been working well. Please let us know if there are other ways PayPal can be used in this manner. Since it codes as utility, would it also get a bonus (though only 3x) on Inc Business Preferred?

  10. Mark,
    When you talk about purchasing GC from Gyft you say to “make sure to pay with PayPal for the 5X.” I probably missed it somewhere but how is Paypal getting me 5x UR points?

    • You have to check out via paypal when using your ink card on gyft. It codes the purchase as a utility where paying directly does not.

  11. Just bought a Lowe’s $50 gift card for $45 at Gyft. I followed your instructions, checking out via PayPal and paying PayPal via my Ink Business Preferred. I called Chase right away to see if I got the 5X URs on the purchase, and the customers service person said it would only be the usual 1 point per dollar. Any idea what I did wrong?

    • The Ink Preferred doesn’t earn 5X on anything since it has a different earning structure. Only the Ink Plus and Cash earn 5X UR’s. Though I believe you will still earn 3X on the Ink Preferred for Gyft purchases via PayPal so I would just wait till it posts to double check. Here is a link showing what you should see once it posts. https://www.flyertalk.com/forum/28202135-post221.html

  12. Hi. You say above that Staples sells 3rd party gift cards (sometimes at a discount) and Visa gift cards online, unlike Office Max/Depot. But I’m on the Office Depot website, and they do have 3rd party gift cards for sale. I’m confused. Is that new? Thanks!

  13. Mark, can you use the Chase Ink (Cash or Plus) Shopping Portal to access Staples.com for an extra 2% cb on top of the 5% on VGC purchases? I haven’t tried it, but I’m about to pull the trigger based on your response.

  14. FYI I used the Ink Cash card via Paypal with the Raise gift card app (sells gift cards at discounts) and only got 1x points back. Gyft and Swych still getting me 5x.

  15. Made a couple more purchases of the mastercard gift cards at staples and its only showing 1x points. Im afraid they dont count as 5x points anymore.

    • I believe that it used to – not sure if it still does or not. If you try it out let us know but I am leaning towards yes.

  16. Mark. I dont have a LLC and i earn so very little as part of my side job (freelance). Can I still apply for the Chase Business Cash?

    • They don’t usually discriminate against smaller businesses since they hope it turns into a bigger one so you should be okay.

  17. I am confused regarding how you wrote about Gyft. You list it under the bullet points to earn 5x Ultimate Rewards but you then note ” Make sure to pay with PayPal for the 5X.” What does that mean? Does Gyft code as an office supply store on Chase Ink or not? I am not aware that Paypal codes to give 5x either.

    • When you go to check out on Gyft:

      Select pay with PayPal
      After opening PayPal select your Ink Card and pay with that
      Then it properly codes and will earn you 5X on the purchase

  18. I understand what to do, but not the why. Gyft paid with Ink – I assume does not code as office supplies. Normally any site paid with Paypal paid with Ink – does not code as office supplies, but Gift paid via Paypal paid with Ink does code as office supplies?


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