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I’ve often said that one of the best ways to get lots of miles and points is through applying for new credit cards. It’s just too hard to get any appreciable amount of miles by just your regular everyday spending (unless you are spending a LOT). So for most people, regularly applying for new credit cards every couple of months is the best way to get enough miles and points to go somewhere fun. Of course, that also goes right into the other thing that I regularly say, and that is to not sign up for a credit card just because some guy on the Internet said that you should.

Today I want to talk about the Chase Ink Unlimited card which currently has an outstanding welcome offer.

Chase Ink Unlimited – best welcome offer on a no-fee card

Currently the Chase Ink Unlimited has what I would consider to be the best offer on a credit card with no annual fee. This is the highest offer we’ve ever seen on the Chase Ink Business Unlimited. In fact, it may be the best welcome offer on a no-fee credit card ever?!?! I can’t think of one off the top of my head right now.

The Chase Ink also has an offer for 75,000 Ultimate Rewards points after spending $7,500 in the first three months. So if you prefer 5% at office supply stores, 2% at gas stations and restaurants and 1% everywhere else, that offer is also available on the top credit card offers pageWhich of those 2 cards works out best for you will depend on your spending habits.

(SEE ALSO: 5 reasons to sign up for the Chase Ink Business Cash card)

Yes, but it’s a busssssiness card! (That’s okay – you can still qualify)

The #1 objection I get when talking about business cards is from people who think that they don’t have a business. In fact, I added a few extra “S”s into it for added emphasis :-). The fact of the matter is that you may have a business even if you don’t actually think you have one.  Do you ever sell anything on eBay, etsy, Craigslist or Facebook Marketplace? Then you’re a reseller. Sell desserts or food that you make? You’re in the baking business. Do you write a blog or online reviews? You’re a writer. The possibilities are endless. If you have a good personal credit score, you’re likely to be approved for a business credit card even if it’s a sole proprietorship with $0 revenue.

If you limit yourself to only personal credit cards, you are missing out on nearly half of the credit cards and card offers out there, including many of the most lucrative offers. Now is as good a time as any to sit down and decide what you can use as business.

It also isn’t really a problem to use a business credit card for personal expenses. The credit card company does not care, and I have been doing just that for 5+ years (if not longer). The only thing that you have to watch out for is just doing your own accounting. But if your business is just you and doesn’t have much in the way of revenue or expenses, this is not really a big concern.

How to meet a higher spending threshold

The other potential concern with the 75,000 Ultimate Rewards points offer on the Chase Ink Unlimited is the fact that you need to spend $7,500 in the first 3 months of having the card. This is a higher than average spending requirement, but it may be doable depending on your situation. Of course, you should never go into debt, even to make a minimum spending requirement, but here are a few ideas to help you meet the $7,500 spending requirement in 3 months:

  1. Charge everything – this should be obvious but take everything that you’re currently paying and move it to the new credit card
  2. Prepay some expenses – if you have the ability to float the payments, you can possibly prepay things like your taxes, utilities, rent or mortgage
  3. Buy gift cards – you may be able to buy gift cards to places like your regular grocery store or gas station, allowing you to shift future months’ expenses forward. Again, use caution and only do as much as you can afford to float
  4. Use bill pay services – You could use a service like Plastiq that allows you to make credit card payments even for things that don’t normally take credit cards. Plastiq charges 2.85%, which IMO is not normally worth it. But it may be worth it in order to hit a signup bonus like this.

The Bottom Line

The Chase Ink Unlimited (and the Chase Ink Cash) are offering a signup bonus of 75,000 Ultimate Rewards points (marketed as $750 cash) when you spend $7,500 in the first three months of having the card. This is an outstanding welcome offer for a card with no annual fee. In fact, it may be the best offer for a no-fee credit card that I’ve ever seen. If you want to support the site, you can find the link to apply on our top credit card offers pageThanks in advance for your support

Are you planning on applying for the Chase Ink Unlimited or Chase Ink Cash? Leave your thoughts in the comments below.


Points With a Crew has partnered with CardRatings for our coverage of credit card products. Points With a Crew and CardRatings may receive a commission from card issuers. Other links on this page may also pay me a commission - as always, thanks for your support if you use them
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