There is currently a simply amazing deal that is not just the best one on a no-fee card right now: it’s one of the best ones we’ve ever seen on no-fee cards in the USA! In terms of value, it gives you an incredible $990 from the welcome bonus alone — and you can even get $1600+ in value from it with our pro tip. If there was just ONE offer you had to take advantage of this year, this is the one. It ends on January 18th.
Getting $990 for free this easily with this record-high deal is the best way to join our savvy Flytrippers readers (who have now earned over 2 million dollars in free travel just with the welcome bonus deals we share).
Welcome to the wonderful world of travel rewards!
Here are the details so you can take action now.
Overview of the deal
Here’s the first step to get $990 guaranteed for free:
- Apply through our secure partner links before Thursday January 18th
- Choose one of the 2 very similar cards with the same welcome bonus
- Both are no-fee cards
- The only difference is their earn rates
- The deal applies to both of these Chase cards
- Chase Ink Business Cash Card
- Chase Ink Business Unlimited Card
- Flytrippers recommends the Chase Ink Business Cash Card
- You can be eligible for business cards without a registered business
- As long as you have any amount of side income
- Do you do reselling on eBay? Any side gigs? You’re eligible!
- Just follow the steps below, though (important)
- If you don’t qualify, we have 4 other good recommendations
Here’s more info on how to choose between both cards:
- Chase Ink Business Cash Card (better multiplier rates)
- 5% at office supplies stores, including gift cards there (i.e., Amazon)
- 5% on internet, phone, and cable providers
- 5% on Lyft rides
- 2% at restaurants
- 2% at gas stations
- 1% everywhere else
- Chase Ink Business Unlimited Card (better base rate)
- 1.5% everywhere
| Record-high Chase deal ending March 20th |
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Earn rates: 5% back on select categories 2% on others and 1% base rate |
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Earn rates: 1.5% back everywhere no category multipliers |
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| Record-high Chase deal ending March 20th |
WELCOME BONUS ( VALUATION) |
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Card:
Bonus: spend $6k in 3 mos.
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Rewards: $990
Card fee: $0
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5% back
on select categories
2% on others and 1% base rate
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ends January 18th
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ends soon
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Card:
Bonus: spend $6k in 3 mos.
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Rewards: $990
Card fee: $0
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1.5% back
everywhere
no category multipliers
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ends January 18th
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Here’s what you need to do to get their welcome bonus on either card:
- You need to spend $6000 in the first 3 months
- That’s the equivalent of ≈ $462 per week
- It’s on the higher side, but the welcome bonus is huge too
- We have tips to help you reach minimum spend amounts
So you do that, and you’ll get $990 in cash back!
Really that easy; no catch. I’ve been maximizing my rewards thanks to credit card welcome bonus for over 15 years myself. It’s amazing.
And with a pro tip, you can actually transform that $990 cash back into $1600+ in travel rewards fairly easily. Which is even more outstanding for travelers (and deal lovers)!
Details of the record-high deal
Here are all the details about this Chase deal ending on January 18th.
How and when to apply
It’s arguably the best deal of the year, but it ends very soon. So you really do have to take action now, or else you’ll sadly miss out.
Apply online easily through our secure partner links, and you’ll be on your way to getting $990:
Here’s the math behind that Flytrippers Valuation of $990 for this deal, by the way:
- You’ll get $900 cash back as a welcome bonus after spending $6000 ($900)
- You’ll get a minimum of $90 cash back from the earn rates on those $6000 ($90)
That’s $990 at the minimum guaranteed value of that in easy-to-use cash back that literally could not be any simpler!
Who is eligible for business cards
You do not need to have a registered business or an Employer Identification Number to qualify for business cards in the United States, contrary to the common myth (an understandable one, of course, since there’s the word business in the cards’ names — but the world of travel rewards is a very counterintuitive one in general)!
You do need some side income (non-salaried income), but it can be a very low amount. Any amount, really.
Maybe you resell some merchandise. Maybe you do a few side gigs. Maybe you sell things on Etsy. Maybe you help out neighbors with handyman work. It’s genuinely very flexible.
You must apply in a very specific way though: use your full name as your business name on the card application, whether it’s the Chase Ink Business Cash Card or the Chase Ink Business Unlimited Card. It’s essential to write it exactly as you spell it when applying for a personal card and exactly as you spell it in the personal info section on the application.
As you can see here, while I could’ve used my Flytrippers business, I always apply for business cards under my own name specifically to show you that it’s perfectly allowed. Your name will just show up twice on the business card.
If you don’t have a registered business, on the application, your legal business structure will be a sole proprietorship, and your business tax ID will be your Social Security Number (SSN).
Lastly, your business income can be how much you plan on generating in the next year, and you’re allowed to have high ambitions even if you don’t earn as much right now. For example, some will write an amount like $10,000 as the income they think they’ll generate.
Which alternatives to get if you have no side income at all
We’ll have a lot more content about these and all your other options as we launch our revamped section on travel rewards soon, but maybe you want to get started with free travel but don’t have any side income at all or don’t want to pretend.
Here are the 4 deals for personal cards that are very similar:
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Card
- Capital One VentureOne Rewards Card
- Chase Aeroplan Card
Make sure to sign up for our free newsletter to get all our tips and content about these deals — and all the others — that help you travel for less!
Which one of the 2 cards to choose
You really can’t go wrong with either of them since they have the same great record-high welcome bonus. The only way to go wrong is to let this fantastic deal go by.
Earn rates are the only difference between the Chase Ink Business Cash Card and the Chase Ink Business Unlimited Card.
And honestly, the key to travel rewards is really focusing on huge welcome bonuses like this one (as it’s much faster to get $990 in one shot rather than to earn slowly with your purchases with the regular earn rate), so the earn rates aren’t that important if you really want to take your travel rewards to the next level.
That means the best one really depends on where you will be spending the $6000 you need to spend in the next 3 months to unlock the welcome bonus. Do you want to get higher multiplier rates on specific categories or a higher base earn rate everywhere?
The Chase Ink Business Cash Card is definitely the better option if even a tiny portion will be spent getting 5% back on the multiplier categories.
This phenomenal earn rate applies at office supplies stores — including to buy gift cards from various other retailers like Amazon, Starbucks, and so many others (you then use the gift cards, and you’ll have gotten 5% indirectly at so many places).
The 5% multiplier rate also applies on internet, phone, and cable services. And on Lyft rides. You’ll even come out ahead by eating out just a bit or paying for some gas without the gift card trick (restaurants and gas stations earn 2%).
The Chase Ink Business Unlimited Card is the better option if you’re going to spend close to the full $6000 anywhere else, as you’ll get the flat 1.5% everywhere!
That’s the simplest option if you don’t want to have to go anywhere specific!
Don’t worry too much about it if you’re hesitant; just get any one of them before the deal ends on the 18th. You won’t regret it!
How to reach the minimum spend amount
Spending $6000 in 3 months might be a bit high for many Americans.
It’s worth the extra effort though, given how big the bonus is on the Chase Ink Business Cash Card and the Chase Ink Business Unlimited Card.
Thankfully, there are a few tips to make sure you can take advantage of such a high welcome bonus:
- Make sure to use your credit card for everything
- You probably spend a decent amount already
- Ask your friends and family to let you use your card for their purchases
- They can reimburse you
- Works well with friends who use debit cards
- Pre-pay upcoming expenses with gift cards
- That allows you to respect the deadline
- As long as you have the liquidities to pre-pay
- Use Plastiq to pay for almost anything with a credit card
- There’s a fee, but it’s worth it to get the bonus
- As a last resort only, of course
What are other benefits of these cards
As is typical with no-fee cards, the Chase Ink Business Cash Card and the Chase Ink Business Unlimited Card don’t have so many benefits apart from the rewards. For example, others like the Capital One Venture X Card have unlimited airport lounge access and travel benefits that more than offset the fee.
What’s urgent is these Chase deals, so I promise you more content is coming soon about airport lounges and other benefits. Stay tuned!
In terms of benefits, both the Chase Ink Business Cash Card and the Chase Ink Business Unlimited Card have basic insurance coverage, including:
- Auto rental Collision/Damage waiver (primary coverage)
- Extended warranty protection
- Purchase protection
You can also get supplementary cards (also called authorized users) at no cost to earn more cash back — or to reach the minimum spend more easily.
Finally, you can get a 0% intro APR on purchases for the first 12 months (variable rate thereafter; see official Chase website for specific rates), but Flytrippers highly recommends never carrying a balance on any credit card.
How to get $1600+ instead of “just” $990
We’ll tell you more later, but basically, by having another Chase card, you’ll be able to use your rewards for much more valuable travel redemptions.
Our Flytrippers Valuation of Chase Ultimate Rewards points is ≈ 1.7¢ per point, much higher than the 1¢ fixed value you get by default if you only have either the Chase Ink Business Cash Card or the Chase Ink Business Unlimited Card.
With this pro tip, you’ll be able to even get outsized value, for example, by redeeming for business class flights or luxury hotels at a fraction of the price. That’s possible with the most valuable type of rewards, like Chase Ultimate Rewards points.
And the best thing is you’ll get ANOTHER huge welcome bonus on that other new card too, of course. So you should definitely get on this as soon as you’re done unlocking the welcome bonus on the Chase Ink Business Cash Card and the Chase Ink Business Unlimited Card.
All you’ll need to do later is get 1 of these 3 Chase cards to be able to redeem all your Chase points at a higher value:
Want to get more content to learn how to earn free travel thanks to rewards?
Summary
The record-high deal on the Chase Ink Business Cash Card and the Chase Ink Business Unlimited Card ends this Thursday January 18th. Getting $990 in cash back with just one welcome bonus — on a no-fee card to boot — is phenomenal. If you seize just one deal this year, it should be this one! It’s one of the best we’ve seen.
What would you like to know about this Chase deal? Tell us in the comments below.
See the deals we spot: Cheap flights
Explore awesome destinations: Travel inspiration
Learn pro tricks: Travel tips
Featured image: Positano, Italy (photo credit: Dimitry B.)
