Rove Miles
TL;DR: Rove’s shopping and travel portals let you earn a new, transferable rewards currency called Rove Miles on everyday shopping, flight and hotel bookings. You can use Rove Miles for bookings directly or — often for far greater value — transfer them to airline and hotel partners (some at a 1:1 rate and some with promos/bonuses). Right now there are juicy transfer bonuses and new transfer partners that make Cyber Monday and holiday shopping especially profitable. Use a tracking tool like cardcurator.ai to coordinate which credit cards + Rove stacking gives you the most value across your holiday purchases. What is Rove (and how does the shopping portal work)? Rove is a hybrid travel & shopping rewards platform where you earn Rove Miles for bookings made through its travel portal and for purchases at thousands of retailers via its shopping portal — similar to a mix of Rakuten (shopping portal) and a bank/portal travel-booking engine. Rove Miles are a flexible currency designed to be redeemed for travel or transferred to airline and hotel partners. Why Rove is especially useful this Cyber Monday / holiday season Stacking opportunities: Buy through Rove’s shopping portal (or use their browser extension) to earn Rove Miles on top of the miles/points you’ll earn from your credit card — effectively “triple-dipping” (card rewards + store savings + Rove Miles). High “earn rates” on travel bookings: Booking hotels via Rove can earn up to 25× miles per dollar spent, and flights earn bonus miles on top of standard airline miles and card rewards. Holiday shopping = travel credits: With gift-giving, deals, and normal holiday purchases, you can turn that spending into miles — which become future flights, hotels, or upgrades. Especially if you treat Rove as another “reward currency” to stack alongside cards this season. Referral bonus boost: By signing up through a referral link, you can often start with bonus miles — giving a head-start even before you spend. For example: my referral link unlocks those bonus miles from day one. Transferable Miles & Transfer Partners — Why That Matters Where Rove really shines is in its ability to transfer its miles to a wide range of airlines and a major hotel loyalty program. Here are some of the key partners you can transfer to: Air France-KLM Flying Blue Finnair Plus — via Avios network, unlocking flights on airlines using Avios. Aeromexico Rewards Etihad Guest Accor Live Limitless — useful for hotel redemptions globally. Lufthansa Miles & More — newly added transfer partner as of November 2025. And several others — including programs tied to Cathay Pacific, Qatar, Turkish Airlines, Vietnam Airlines, Thai Airways, Hainan Airlines, and more. Most transfers go at a 1:1 ratio (Rove Miles → partner miles). However, transfers to Accor Live Limitless use a less favorable 1.5:1 ratio — still useful for hotel stays depending on redemption value. Why Now: Transfer Bonuses & Holiday Timing Right now, there’s a special transfer bonus happening for two of Rove’s top airline partners: 20% bonus when transferring to Finnair Plus (Avios) — a great entry into Avios network deals. This kind of bonus can significantly amplify the value of miles earned during heavy holiday spending: shop or book now, transfer before the bonus window closes, and you could convert everyday purchases into high-value travel credits. How to Combine Rove + Your Credit Cards + CardCurator.ai for Maximum Value If you want to get the most out of this holiday season’s spend, here’s a 4-step recipe many of the savvy travel-hacking crowd are using: Sign up for Rove using my referral link to get your sign-up bonus. Use a high-reward credit card for holiday shopping, booking travel, or gift-buying — as you would normally. Whenever you shop online or book flights/hotels, first go through the Rove portal (or use the Chrome extension) so you earn Rove Miles on top of your card’s base rewards. Use a tool like cardcurator.ai to track which credit cards + Rove stacking combos net you the most value — especially useful when juggling multiple cards, portal bonuses, and holiday sale spending. This helps you optimize return across all channels and avoid over-spending. Bottom Line Whether you’re holiday shopping for gifts, booking winter getaways, or just buying everyday stuff — using the Rove Shopping portal + referral link now can build up a stash of transferable miles that unlock serious travel value down the line. With transfer-partner flexibility, a growing list of airline and hotel partners, and time-sensitive transfer bonuses, this season may be one of the best windows yet to turn your shopping into travel. Layer on top of your credit card strategy — and a tracking tool like cardcurator.ai — and you could be looking at flights, hotel nights, or upgrades for far less than retail price. Ready to book your next adventure? Start here: Sign up for Rove (referral link) and begin stacking miles today — just in time for Cyber Monday and holiday deals!
Why I Applied for the Citi Strata Elite: 100K Points + Double-Dip Strategy = Travel Gold 💎✈️
Why I Applied for the Citi Strata Elite: 100K Points + Double-Dip Strategy = Travel Gold 💎✈️ ⚡ BREAKING: The rare 100K signup bonus is LIVE! This is the highest we’ve seen for a card with exclusive American Airlines transfers. Keep reading to see why this is the ultimate AA miles play! Hey Miles with Marvin family! 👋 I just did something I rarely do—applied for another premium travel card. But when I saw the Citi Strata Elite drop a massive 100,000 ThankYou points welcome offer, I couldn’t resist. This isn’t just about the points though. It’s about the ONLY transferable points program that partners with American Airlines, plus a genius double-dip strategy that makes the first year essentially FREE. Let me break down exactly why this card just earned a spot in my wallet! 🚀 The Math That Made Me Hit Apply Instantly 🧮 Year 1 Value Breakdown: 💰 100,000 ThankYou points = $2,000+ (minimum 2¢ per point on AA awards) 🛍️ $200 American Airlines/Best Buy credit x2 (double-dip!) = $400 🏨 $300 hotel credit x2 (double-dip!) = $600 ✈️ Global Entry credit = $100 🎫 4 AA Flagship Lounge passes = $240 value Total First Year Value = $3,340+ 🤯 Annual Fee = $595 Net Profit = $2,745+ in pure value! But here’s the secret sauce—since these credits are per calendar year, you can double-dip by getting the card now and using credits for 2025 AND 2026 before your second annual fee hits! 🎯 The American Airlines Monopoly 🦅 Listen up, because this is HUGE: Citi ThankYou Points are the ONLY transferable points currency that transfers to American Airlines AAdvantage. That’s right—Chase, Amex, Capital One? They can’t touch AA. This makes the Strata Elite absolutely essential if you want to: Book domestic flights during peak times (when AA has the best availability) ✈️ Access incredible international award space on OneWorld partners 🌍 Take advantage of AA’s sweet spot redemptions to Europe and Asia 🗼 Build a massive AA balance without flying or using the AA credit cards 💳 Priority Pass That Actually Works at Restaurants 🍽️ Here’s why this matters RIGHT NOW: My Capital One Venture X is about to nerf their Priority Pass by removing guest privileges in 2026. The Citi Strata Elite? Full Priority Pass Select membership with guest access AND it works at Priority Pass restaurants! That means: ✅ Bring guests into lounges for FREE ✅ Get $28-$30 credits at airport restaurants ✅ Access to 1,400+ lounges worldwide ✅ No worrying about the Venture X downgrade The Credits Are Actually Useful 💸 $200 American Airlines OR Best Buy Credit The flexibility here is key! Flying AA? Great, free checked bags or seat upgrades. Not flying? Grab electronics at Best Buy. Pro tip: Buy Best Buy gift cards in December for next year’s tech purchases! 📱 $300 Hotel Credit (2-Night Minimum) Book through Citi Travel and get $300 back. With the double-dip strategy, that’s $600 in hotel credits your first year. Even budget hotels qualify—just need to stay 2+ nights! 🏨 4 American Airlines Flagship Lounge Passes These lounges are PREMIUM—we’re talking sit-down dining, premium drinks, shower suites. Each pass is worth $60 if you were buying day passes. Perfect for those long-haul flights! 🥂 Earning Rates That Make Sense 📊 12x points on hotels/car rentals booked via Citi portal 🚗 6x points on restaurants during weekends (Friday-Sunday) 🍕 4x points on gas stations and EV charging ⛽ 3x points on airlines, grocery stores, and restaurants (weekdays) 1x points on everything else That weekend dining bonus is clutch! Most of my restaurant spending happens on weekends anyway, so that’s essentially 6% back on dining when I’m actually eating out! 🎉 My Exit Strategy (Because I’m Strategic Like That) 🧠 Here’s my plan: Keep the card for the first year to maximize the double-dip on credits, earn the bonus, and build my AA balance. Then, before the second annual fee hits, I’ll downgrade to a no-annual-fee Citi card to keep my credit history intact and points alive. It’s the perfect hit-and-run strategy! 💨 Why This Beats My Current Setup 🥊 vs. Capital One Venture X: ✅ Transfers to American Airlines (Venture X can’t) ✅ Better Priority Pass (keeping guest access) ✅ Higher weekend dining multiplier ✅ Flagship Lounge access vs. Chase Sapphire Reserve: ✅ American Airlines transfers (Chase can’t) ✅ Lower annual fee ($595 vs $795) ✅ More flexible airline/retail credit ✅ Weekend dining bonus Who Should Jump On This? 🎯 This card is PERFECT for you if: You fly American Airlines even occasionally ✈️ You want access to AA miles without their credit cards 💳 You can hit the minimum spend requirement 💰 You’re losing Priority Pass benefits on other cards 😤 You understand the double-dip calendar year strategy 📅 You eat out on weekends (hello 6x points!) 🍔 Time is NOW—This Bonus Won’t Last! ⏰ The 100K signup bonus is RARE for Citi cards, especially ones with this much value. Citi is notoriously stingy with their bonuses, and we might not see this again for years. Plus, getting in now means you can double-dip on 2025 and 2026 credits! Apply Now – 100K Points Signup Bonus! 🚀 Using my referral link helps support the blog and gets you the same amazing offer—win-win! 🎉 The Bottom Line 🏁 The Citi Strata Elite isn’t just another premium travel card—it’s the ONLY way to get transferable points to American Airlines, and with the 100K bonus plus double-dip strategy, you’re looking at $2,700+ in profit your first year. Add in the fact that my Venture X is losing guest Priority Pass access, and this was a no-brainer. The math is simple: Apply now, double-dip the credits, earn the bonus, build your AA balance, then downgrade next year. It’s the perfect credit card strategy for maximizing value without long-term commitment. ⚠️ Important Reminder: Only apply for credit cards if you can pay your balance in full every month. The rewards mean nothing if you’re paying 24.99% APR on carried
Card Curator – The best rewards platform out there
🎯 Card Curator: Finally, a Credit Card Platform That Actually Makes Sense 💳✨ Posted on [Date] Hey rewards enthusiasts! 👋 Let me tell you about a problem every credit card rewards person faces. You’ve got cards spread across Chase, Amex, Citi, Capital One… maybe a few more. Your points are scattered everywhere. You’re tracking spending requirements on sticky notes (or let’s be honest, not tracking them at all 😅). And when you try to plan that dream redemption to Japan? You’re jumping between 47 different websites trying to figure out which points transfer where and if you even have enough. 🤯 Sound familiar? Yeah, I thought so. That’s exactly the chaos Card Curator was built to solve – and trust me, it’s about to become your new best friend in the rewards game. 🚀 🤯 The Problem: Your Rewards Strategy Is Scattered Everywhere Let’s be real for a second. If you’re into credit card rewards, you’re probably dealing with: 🗂️ Cards spread across multiple programs (Chase UR, Amex MR, Citi ThankYou, Capital One, etc.) 💰 Points balances you have to check on 5 different websites 📊 Zero visibility into your total rewards picture 🎯 Spending requirements you’re supposed to hit but keep forgetting about 🏝️ Dream redemptions that feel impossible to plan across multiple programs 🔍 No clue which transfer partners work with which programs 💸 Annual fees piling up with no clear picture of whether you’re coming out ahead 📝 Spreadsheets. So. Many. Spreadsheets. And don’t even get me started on trying to figure out which NEW card makes sense for your wallet. Every website tells you different things, and nobody’s looking at YOUR specific situation. 🤷♂️ 💡 The Solution: Everything in One Beautiful Place Card Curator isn’t just another card tracker. It’s a complete rewards command center that brings together everything you need to manage your credit card portfolio, plan redemptions, and actually achieve those travel goals. 🧠💰 Finally, one platform that gets it. One place for everything. ✨ 🎪 The Features That Actually Matter 🗂️ Organized Wallet Dashboard (See Everything at a Glance) All your cards, all your programs, all in one place. Card Curator gives you a crystal-clear view of: 💳 Every card in your wallet with all the important details 🏦 Which bank and rewards program each card belongs to 💰 Annual fees (total and per-card – sometimes seeing that number is… enlightening 😅) ⭐ Points balances across ALL your programs in one view 📊 Your complete rewards ecosystem visualized 🎁 Signup bonuses you’re working toward No more logging into Chase, then Amex, then Citi, then Capital One… you get the idea. Everything’s right there. 🙌 🌏 Cross-Program Goal Tracking (This Changes Everything) Here’s where Card Curator gets REALLY powerful. Planning a big redemption? Most big trips require points from multiple programs: 100k Chase Ultimate Rewards for flights ✅ 75k Amex Membership Rewards for hotels ✅ 50k Citi ThankYou points as backup ✅ Card Curator lets you create goals that span your entire points ecosystem. Set a target (like “Business class to Tokyo + 5 nights at Park Hyatt”), and track your progress across ALL your programs in real-time. Watch those points add up as you work toward that dream trip. 📈✈️🗼 No other platform does this. Seriously. This is the feature that makes planning actual redemptions possible instead of overwhelming. 💯 🔄 Complete Transfer Partner Database (Know Your Options) Ever tried to figure out which airline partners work with which credit card programs? It’s a nightmare. 😤 Card Curator has a complete database of transfer partners built in: ✈️ Which airlines you can transfer to from each program 🏨 Which hotel programs accept transfers 📊 Transfer ratios (some are 1:1, some aren’t – this matters!) 🔍 Redemption charts so you know how many points you actually need 💡 Smart planning for complex itineraries Planning to book ANA business class with Virgin Atlantic points transferred from Chase? You’ll know exactly if that’s possible and how many points it’ll cost. No more browser tabs upon browser tabs. 🎯 🎁 Signup Bonus & Milestone Tracker (Never Miss Another Benefit) Got a new card with a spending requirement? Card Curator tracks your progress toward those valuable signup bonuses so you know exactly where you stand. 💪 But here’s the kicker: it ALSO tracks spending milestones – those awesome benefits you unlock at certain annual spend thresholds: 🛫 Priority Pass lounge access (usually at $25k or $50k spend) 💵 Statement credits that kick in after certain amounts ⭐ Bonus point multipliers you earn for hitting targets 🆙 Elite status upgrades based on annual spend You’ll never again spend $24,000 on a card that unlocks something amazing at $25,000 and completely forget about it. Trust me, that’s the WORST feeling. 😭 🤖 AI Chat Assistant (Your Personal Credit Card Expert) This is where things get fun. Card Curator has an AI assistant that actually knows YOUR wallet and can answer questions like: “What cards should I consider adding to my wallet?” 🎯 “Show me all my cards and what they earn” 📋 “What transfer partners work with my Chase points?” ✈️ “Compare the Amex Gold vs Chase Sapphire Preferred for my situation” ⚖️ “How close am I to my spending goals?” 💰 The AI analyzes your specific portfolio and gives personalized answers. It’s like texting a friend who happens to be a credit card encyclopedia and knows your entire wallet. 😎 Pro Tip: You can export your conversations as PDFs! Perfect for saving recommendations or sharing strategies with a partner. 📄 📊 Smart Recommendations (Actually Personalized) Most card comparison sites just show you the popular cards and call it a day. Cool story. But what should YOU get based on YOUR current wallet? 🤔 Card Curator’s recommendation engine looks at: What cards you already have 📋 Which programs you’re already invested in 🏦 Gaps in your coverage 🔍 Which cards would complement your portfolio 💎 Transfer partner ecosystems you could benefit from 🔄 Then it suggests cards that actually
Why you should sign up for the best no fee card!!!
🚨 URGENT: Referral Rules Change October 7th! 🚨 After 10/7, Chase will only give referral bonuses to completely new Ink customers. Get your spouse approved NOW for the full 110K bonus! The Chase Ink Strategy That’s Making Me $2,200+ in Value (With Zero Annual Fees!) 💼✨ Hey Miles with Marvin family! 👋 I’ve discovered something absolutely INSANE that I had to share immediately. Between my wife and me, we now have 5 Chase Ink business cards, and the value we’re extracting is beyond ridiculous. We’re talking about cards with NO annual fees that are giving us over $100 in monthly Instacart credits, massive signup bonuses, and Ultimate Rewards points that transfer to our premium cards for incredible redemptions! 🤯 Let me break down exactly how we’re maximizing the Chase Ink Unlimited and Cash cards, and why you need to act before October 7th when Chase changes their referral rules forever. The Math That Will Blow Your Mind 🧮 Here’s the current opportunity that has me literally applying for more cards: Maximum Signup Bonus Strategy: 90,000 points for new Ink Unlimited or Cash cardholders 💰 +20,000 points referral bonus (if you already have an Ink card) 🎯 Total: 110,000 Ultimate Rewards points = $2,200+ value when transferred to the Chase Sapphire Reserve! 🚀 But here’s the kicker: After October 7th, Chase will only give referral bonuses to completely new Ink customers (people who don’t have ANY Ink cards). Right now, you can still get the 20K referral bonus even if you already have an Ink card! Why Ink Unlimited vs Ink Cash? 💳 Both cards are absolutely fantastic, but here’s how I think about it: Chase Ink Business Unlimited: 1.5% back on everything – simple and consistent Perfect for businesses with varied spending No category limits or caps Great for large purchases or general business expenses Chase Ink Business Cash: 5% back on specific categories (up to $25,000 annually) Currently includes office supply stores, internet/cable/phone services 1% on everything else Better for strategic category spending My recommendation? Get BOTH! You can have multiple Ink cards per business, and the signup bonuses alone make it worth it. Plus, the Instacart benefits stack! 📚 The Instacart Goldmine That Changes Everything 🛒 This is where these cards go from good to absolutely life-changing. Every single Ink Unlimited and Cash card gives you: 3 months of Instacart+ membership (normally $99/year) 🎁 $20 monthly Instacart credit for groceries 💸 Total annual value: $240 PER CARD 🤑 Here’s my personal strategy: I have multiple Instacart business accounts, each linked to different Ink cards. Between my wife and me with our 5 Ink cards, we’re getting over $1,200 annually in free groceries! That’s more value than most premium cards with $500+ annual fees! The Transfer Game That Multiplies Your Value 📈 Here’s where the real magic happens. Those Ultimate Rewards points from your Ink cards can be transferred to your Sapphire Reserve or Preferred for incredible redemptions: 1.5-2¢ per point when booking travel through Chase 🌍 Up to 3-4¢ per point with transfer partners like Hyatt, United, Southwest ✈️ Chase Points Boost offers up to 2x value on select hotels and flights 🚀 That 110,000 point signup bonus could be worth: $1,650 at 1.5¢ (minimum Chase Travel value) $2,200 at 2¢ (Points Boost redemptions) $3,300+ with strategic transfer partner redemptions! 💎 My 5-Card Ink Strategy Revealed 🎯 Between my wife and me, here’s exactly how we’re structured: Card Mix: 3 Ink Business Unlimited cards 2 Ink Business Cash cards Benefits We’re Getting: $1,200+ annually in Instacart credits 500,000+ Ultimate Rewards points from signup bonuses Flexible earning across all spending categories Multiple ways to maximize category bonuses The Downgrade Strategy: When we had Ink Preferred cards with annual fees, we downgraded them to Unlimited or Cash cards to keep the accounts open without paying fees. This maintains your credit history and keeps those valuable Instacart benefits coming! 🔄 The October 7th Deadline That Changes Everything ⏰ This is crucial: After October 7th, Chase will only give the 20,000 referral bonus to people who have NEVER had any Ink cards. Right now, you can still get it even if you already have an Ink card. My recommendation: Apply for your first Ink card now (90K bonus) Get approved and receive your card Immediately refer your spouse/partner before October 7th (20K referral bonus) They get 90K + you get 20K = 110,000 total points! 🎊 Which Card Should You Choose First? 🤔 If I had to pick just one to start with, I’d go with the Ink Business Unlimited. Here’s why: Simpler earning structure (1.5% on everything) Perfect for all types of business spending Same incredible signup bonus and Instacart benefits Easier to maximize earning potential Once you have that established, then consider the Ink Cash for category bonuses on office supplies and internet bills. Ready to Start Building Your Ink Portfolio? 🚀 I’m obsessed with these cards, and after seeing the value my wife and I are getting, I know you’ll love them too! Use my referral link to apply: Chase Ink Business Unlimited – 90K Points + Instacart Benefits When you apply through my link and get approved, you’ll get the 90K signup bonus AND I’ll earn the 20K referral bonus – it’s a win-win! Then you can immediately refer your spouse/partner for the full 110K combined bonus before the rules change! 🎉 The Bottom Line 🏁 The Chase Ink Business cards are hands-down the best no-annual-fee cards on the market right now. Between the massive signup bonuses, incredible Instacart benefits, and Ultimate Rewards transfer opportunities, you’re looking at potentially thousands of dollars in value from cards that cost you nothing to hold! The fact that you can have multiple Ink cards, stack the Instacart benefits, and transfer all those points to premium cards for maximum redemption value makes this a complete no-brainer. With the referral rules changing on October 7th, this is literally your last chance to maximize the signup bonus strategy. Don’t let this opportunity slip
Why I applied for the Chase Sapphire Reserve
⚡ UPDATE: Chase just dropped an new offer – 125,000 points after $6,000 spend! That can be worth over 2.5k+ in free travel! Keep reading to see why this card is still incredible value. Why I Applied for the Chase Sapphire Reserve: 100K Points + $500 Credit = Pure Gold 💎✨ Hey Miles with Marvin family! 👋 I just pulled the trigger on something BIG, and I couldn’t wait to share the juicy details with you. The refreshed Chase Sapphire Reserve dropped an absolutely insane welcome offer that had me scrambling to apply before it disappears forever. We’re talking 100,000 Ultimate Rewards points PLUS a $500 travel credit after spending $5,000 in the first 3 months. This offer ends August 21st at 9 AM ET, so if you’re even remotely interested, you need to act NOW! ⏰ But let me tell you exactly why this card made me break my “I have enough cards” rule and why it might be perfect for your wallet too. The Math That Made Me Apply 🧮 Let’s be real—the $795 annual fee made me pause for about 0.5 seconds. Then I did the math and nearly spit out my coffee: 100,000 Ultimate Rewards points = $2,050 value (at 2.05¢ per point) 💰 $500 Chase Travel credit = $500 value ✈️ Total welcome bonus value = $2,550 🤯 That’s over 3x the annual fee in value just from the welcome bonus! But wait, there’s more… The Secret Weapon: Grandfathered 1.25-1.5¢ Redemptions 🔥 Here’s where it gets spicy. If you had the old Sapphire Reserve before June 23, 2025, you get to keep your grandfathered redemption rates until October 26, 2027. That means: 1.25¢ per point minimum for travel through Chase Portal 1.5¢ per point for most Chase Travel bookings Up to 2¢ per point with the new Points Boost program on select hotels and flights Those 100,000 points could be worth $1,250-$2,000 when redeemed through travel, making this bonus even more valuable than the headline numbers suggest! 📈 Priority Pass That Actually Rocks 🛫 One thing that sealed the deal for me? The Priority Pass with 2 guest privileges. This is huge because my current Capital One Venture X only allows the cardholder starting February 2026. With the Sapphire Reserve, I can bring two friends into the lounge for free—that’s worth $81 per visit if you were paying out of pocket! Access to 1,300+ lounges worldwide means: Free food and drinks (yes, including alcohol!) 🍻 Comfortable seating and Wi-Fi Quiet space to work or relax No more overpriced airport food! The Credits That Practically Pay the Fee 💳 The refreshed Sapphire Reserve is loaded with statement credits that make the $795 fee almost disappear: $500 annually for The Edit hotels (luxury properties) 🏨 $300 annually for StubHub/viagogo event tickets 🎵 $300 annually for exclusive dining experiences 🍽️ $250 annually for Apple TV+ and Apple Music 📱 $120 annually for Peloton memberships 🚴♀️ Just the hotel and event credits alone ($800) cover the entire annual fee! My StubHub Credit Strategy 🎟️ Here’s a pro tip I’m already planning: I’ll use the $300 StubHub credit to buy gift cards or tickets, then resell them to recoup cash. Even at a 10-15% discount, I’m still getting $250+ back toward the annual fee. It’s like Chase is paying me to have their card! Hotel Status That Actually Matters 🏆 The automatic IHG One Rewards Platinum Elite Status is legit valuable. You get: Room upgrades when available Late checkout Bonus points on stays Priority customer service And if you spend $75,000 on the card, you unlock Diamond status—the highest tier! For someone who travels regularly, this alone could save hundreds per year. Travel Protections That Have Your Back 🛡️ The Sapphire Reserve doesn’t mess around with travel insurance: Primary rental car coverage (no need to file with your personal insurance first) Trip cancellation/interruption up to $10,000 per person Baggage delay protection up to $100/day for 5 days Emergency evacuation coverage up to $100,000 Global Entry/TSA PreCheck credit up to $120 every 4 years These benefits have literally saved me thousands on previous trips, so having them built-in gives me major peace of mind. Why I Chose This Over Competitors 🥇 Sure, I could have gone with the Amex Platinum ($695 fee) or stuck with my Venture X ($395 fee), but here’s why the Sapphire Reserve won: vs. Amex Platinum: Lower effective annual fee after credits Better transfer partners for my travel style More flexible travel credit Chase has better customer service (fight me) 😤 vs. Capital One Venture X: Higher welcome bonus value More premium credits and perks Better lounge access (2 guests vs. 0 starting in 2026) Transfer partners include my favorite airlines The Earning Structure is Solid 📊 Don’t sleep on the earning rates either: 8x points on Chase Travel bookings 🚀 4x points on flights and hotels booked directly 3x points on dining 1x points on everything else That 8x rate on Chase Travel is absolutely bonkers, especially when you stack it with the 1.5¢ redemption value or Points Boost offers! Timeline Alert: This Offer is ENDING! ⚠️ I cannot stress this enough—this 100K + $500 credit offer ends August 21, 2025 at 9 AM ET. Chase has confirmed this is a limited-time promotion, and we might not see another offer this good for years. If you’re on the fence, remember: You have until the deadline to apply The minimum spend ($5,000 in 3 months) is totally manageable The value far exceeds the cost You can always downgrade later if needed Who Should Apply? 🎯 This card is perfect for you if: You travel at least 2-3 times per year ✈️ You can easily hit $5,000 spend in 3 months 💸 You want premium travel perks without the hassle 🏆 You’re comfortable with a higher annual fee for better value 📈 You can pay your balance in full every month 💯 The Bottom Line 🏁 I applied for the Chase Sapphire Reserve because the math is
Master guide to earning more credit card points 🚀 💳✨
🚀 Unlock Epic Credit Card Rewards with Churning & Manufactured Spending! 💳✨ Hey, rewards enthusiasts! Ready to level up your credit card game and score free flights, luxurious hotel stays, or cold, hard cash? 💸 Let’s dive into the thrilling world of credit card churning and manufactured spending (MS)—the ultimate hacks for racking up points, miles, and sign-up bonuses without draining your wallet! 😎 This guide is packed with tips, strategies, and a sprinkle of caution to help you navigate this high-stakes rewards game like a pro. 🎉 Buckle up—it’s going to be a fun ride! 🌟 🤔 What Are Credit Card Churning & Manufactured Spending? Churning and MS are like the secret sauce of the rewards world, helping you outsmart banks and unlock massive value. Here’s the breakdown: Churning: This involves signing up for multiple credit cards to snag those juicy sign-up bonuses (think 60,000 airline miles or $500 cash back 💰). Once you hit the bonus, you might stop using the card or close it, then move on to the next offer. Rinse, repeat, and watch the rewards stack up! 🔄 Manufactured Spending (MS): This is the art of creating credit card spending without actually spending your own money. You buy things that can be turned back into cash (or close to it), pay off the card, and keep the rewards. It’s like financial alchemy! 🪄 For the average person, credit card spending is limited to everyday expenses like groceries, gas, or streaming subscriptions. But what about big-ticket items like rent or mortgages? 🏠 That’s where MS shines. For example, the Bilt Rewards Card lets you pay rent for free and earn points! Check out this guide for more: Unlock Epic Rewards with the Bilt Rewards Card. 🏡💳 💡 Why Bother with Churning & MS? Because who doesn’t want free travel or extra cash? 🌍💵 Here’s why these strategies are a game-changer: Massive Sign-Up Bonuses: Cards like the Chase Sapphire Preferred often offer 60,000–100,000 points, worth $600–$1,000+ for travel or cash. That’s a free round-trip flight to Europe if you play your cards right! ✈️ Maximize Everyday Spending: Use cards with category bonuses (e.g., 3x points on dining or 5x on office supplies) to earn points faster. 🍽️📎 Scale Up with MS: If your normal spending won’t hit those big minimum spend requirements (like $5,000 in 90 days), MS lets you “create” spending to unlock bonuses without breaking the bank. 💸 🎯 Top Churning & Manufactured Spending Strategies Ready to get started? Here are some of the best ways to churn and manufacture spending. Some are simple, some are wild, but all can help you stack those points! 🏆 1. Refer Friends or Team Up with a P2 (Player 2) 👥 Many credit cards offer referral bonuses—think 10,000–20,000 points per friend or family member who signs up using your link. 🤑 Got a spouse or partner? Team up as Player 2 to double your churning power. You both apply for cards, hit the bonuses, and pool points for epic rewards like a first-class flight to Asia. 🛫 Pro Tip: Communication is key to avoid any credit card drama with your P2! 😅 2. Gift Card Churning 🎁 Buy gift cards (like Visa or merchant-specific cards) with a rewards-earning credit card, then liquidate them back to cash. For example, buy a $500 Visa gift card at a grocery store with a card that earns 3x points on groceries. That’s 1,500 points for a $5–$7 fee! 🛒 Liquidate by using the gift card to buy money orders at places like USPS or Walmart (check local policies first). Deposit the money order, pay off the card, and keep the points. 💸 Example: Spend $1,000 on gift cards, pay $10 in fees, earn 3,000 points (worth ~$30–$60), and get your $1,000 back. Caution: Some stores block gift card-to-money order transactions, and banks like American Express may claw back points. Tread lightly! 😬 3. Buying Groups 🛍️ This is where things get spicy! 🔥 Buying groups are businesses that reimburse you for purchasing merchandise (like electronics or gift cards) that they resell. You buy the stuff with your credit card, ship it to them, and they pay you back—sometimes at a small profit! Example: Buy $30,000 worth of Kindles on a card earning 3x points. That’s 90,000 points (worth ~$900–$1,800). The group reimburses you $30,000 or more, and you keep the points. Cha-ching! 💰 Risks: Some groups are shady and may not pay you back. Start small, use reputable groups, and never spend more than you can afford to lose. 😱 4. Funding Bank Accounts 🏦 Some banks let you fund new accounts with a credit card (usually $100–$1,000), which counts as a purchase and earns points. Some accounts even offer their own bonuses, like $600 for opening a Chase checking account! 🤑 Pro Tip: Look for banks that don’t code this as a cash advance (which incurs fees and no points). Check sites like Doctor of Credit for the latest opportunities. 📝 5. Paying Bills with a Credit Card 📬 Use services like Melio to pay business bills (vendors, utilities) with a credit card for a small fee (e.g., 2.9%). If your card earns 3x points, the rewards can outweigh the fee. Example: Pay a $5,000 bill with a card earning 2x points. Earn 10,000 points (worth ~$100–$200) for a $145 fee. Net gain if the points are worth more! 💪 Caution: Personal bills often can’t be paid this way, and fees add up. Do the math! 🧮 6. Group Expenses & Reimbursement 🤝 Offer to put big group expenses (dinners, trips, events) on your card, then have friends pay you back via Venmo or cash. You get the points, they get convenience! 🍽️ Example: Pay a $500 group dinner bill on a card earning 3x on dining. Earn 1,500 points (worth ~$15–$30) for no extra cost since your friends reimburse you. Pro Tip: Only do this with trustworthy people—chasing payments is no fun! 😤 7. Charitable Donations 🙏 Donate to
🎉 Snag Discounted Gift Cards for Your Favorite Stores! 🛍️
🎉 Snag Discounted Gift Cards for Your Favorite Stores! 🛍️ Who doesn’t love a great deal? 💸 Gift cards are like magic tickets to savings, letting you shop smarter at your go-to stores. Whether you’re hunting for holiday gifts, sprucing up your wardrobe, or tackling a home project, buying discounted gift cards can stretch your budget further. In this post, we’ll dive into where to find the best deals on gift cards for Gap, Macy’s, Kohl’s, Bloomingdale’s, Nordstrom, Lowe’s, Home Depot, H&M, Ace Hardware, Adidas, and Apple. Let’s unlock those savings! 🚀 1. Gap (Banana Republic, Old Navy) 🍌👖 Gap gift cards are a triple threat, usable at Gap, Banana Republic, and Old Navy for all your fashion needs. Here’s where to score them at a discount: Newegg 🌐: Keep an eye on Newegg for occasional sales on Gap gift cards. These deals pop up randomly, so check their gift card section or sign up for their newsletter. 📧 eGifter 🎟️: This platform is a goldmine, offering 24% off Gap gift cards during near-monthly sales. Subscribe to their alerts to never miss a deal! MyGiftCardPlus (MGCP) 💳: Look for 10%–20% off during their monthly promotions. Discounts vary, so check often! 💡 Pro Tip: Stack these discounted gift cards with Gap’s seasonal sales or Old Navy’s clearance racks for maximum savings! 🤑 2. Macy’s, Kohl’s, Bloomingdale’s, Nordstrom, Lowe’s, Home Depot 🏬🛠️ These big-name retailers don’t always offer direct gift card discounts, but you can save by purchasing Choice gift cards that convert to specific store cards. Here’s how: Target 🎯: Target sells Choice gift cards redeemable for Macy’s, Kohl’s, Bloomingdale’s, Nordstrom, Lowe’s, or Home Depot. Look for occasional 5%–10% off deals, plus an extra 5% off with a Target RedCard. 💳 Staples 📎: Staples carries Choice gift cards with 5%–15% off during back-to-school or holiday promos. Perfect for stocking up! Kroger 🛒: Kroger’s Choice gift cards often come with 4x fuel points, which can save you big at the pump. Check their weekly ads for gift card offers. ⛽ 💡 Pro Tip: Buy Choice gift cards in bulk during promotions and redeem them later for flexibility across these stores. 3. H&M 👗 For trendy, budget-friendly fashion, H&M gift cards are a must. Here’s where to find them discounted: eGifter 🎟️: Score 10%–15% off H&M gift cards during their frequent sales. Set deal alerts to stay in the loop! MyGiftCardPlus (MGCP) 💳: Offers 10%–15% off during monthly promos. Check their site for current deals. 💡 Pro Tip: Pair your discounted H&M gift card with their clearance section for steals on stylish finds! 🛍️ 4. Ace Hardware 🔧 DIY enthusiasts, this one’s for you! Ace Hardware gift cards are perfect for home improvement projects. Find them at: eGifter 🎟️: Look for 10%–15% off during sales events. MyGiftCardPlus (MGCP) 💳: Offers 10%–20% off during monthly promotions. 💡 Pro Tip: Combine with Ace’s “Buy One, Get One” deals on tools or seasonal items for extra savings! 🛠️ 5. Adidas 🏃♂️ Score athletic wear or streetwear with Adidas gift cards. Here’s where to grab them cheap: MyGiftCardPlus (MGCP) 💳: Frequently offers 15% off during sales. Adidas (Direct) 🏷️: Occasionally sells gift cards at 20% off during Black Friday or holiday sales. Sign up for their newsletter for updates! 💡 Pro Tip: Shop Adidas’ outlet section and use a discounted gift card for unbeatable deals! 🔥 6. Apple 🍎 Apple gift cards are perfect for tech, apps, or services. Here’s where to find them discounted: Bank Portals 💰: Check Chase, AmEx, or Citi rewards portals for 5%–15% off Apple gift cards. Target 🎯: Offers 10% off during holiday or back-to-school sales, plus 5% more with a RedCard. 💡 Pro Tip: Use Apple gift cards for iPhones, MacBooks, or App Store purchases—stock up during sales! 📱💻 🎯 Top Tips to Maximize Your Savings Ready to level up your gift card game? Here are some tricks to save even more: Use Cashback Portals 💵: Shop through Rakuten or TopCashback for 1%–5% cashback on eGifter, MGCP, or other platforms. Follow Deal Sites 🔔: Slickdeals and RetailMeNot post gift card deals. Set alerts for your favorite stores! Rewards Credit Cards 💳: Pay with a card offering bonus points or cashback for online or retailer purchases. Check Terms 📜: Most gift cards don’t expire, but always confirm to avoid surprises. Stay Safe ⚠️: Stick to trusted platforms like eGifter, MGCP, Target, or Staples to avoid scams. 🕒 Stay in the Know Gift card deals are often time-sensitive and sell out fast! To stay ahead, subscribe to newsletters from eGifter, MyGiftCardPlus, Target, Staples, or Kroger. 📧 You can also follow deal aggregators on social platforms like X for real-time updates. Need help finding current deals? Drop a comment below, and I’ll check for you! 😊 ✨ Wrap-Up With discounted gift cards, you can shop smarter at Gap, Macy’s, Kohl’s, Bloomingdale’s, Nordstrom, Lowe’s, Home Depot, H&M, Ace Hardware, Adidas, and Apple. It’s like giving your wallet a high-five! 🙌 Start hunting for these deals and watch your savings soar. Happy shopping! 🛍️ Disclaimer: Prices and availability of gift cards may change. Always verify deals on the retailer’s website before purchasing. Got questions or want the latest deal updates? Let me know in the comments! 👇
🏠 Unlock Epic Rewards with the Bilt Rewards Card: The Ultimate Guide to Earning Points on Rent! 💸
🏠 The Bilt Rewards Card: Your Ultimate Guide to Turning Rent into Rewards! 💸 Imagine a world where your biggest monthly expense—rent—becomes a goldmine of rewards. Sounds like a dream, right? Well, the Bilt Rewards Card makes it a reality! 🚀 This isn’t just another credit card; it’s a revolutionary tool designed for renters, homeowners, and points enthusiasts who want to maximize their spending without the hassle. Whether you’re paying rent, exploring mortgage payment options, or chasing dream vacations, Bilt has something for everyone. Let’s dive into this comprehensive guide to uncover why the Bilt Rewards Card is a must-have in your wallet! 😎 🌟 What Sets the Bilt Rewards Card Apart? The Bilt Rewards Card, issued by Wells Fargo, is a no-annual-fee credit card that’s redefining how we earn rewards on everyday expenses. Unlike traditional credit cards that leave rent payments out of the rewards game, Bilt lets you earn points on rent—up to 50,000 points per year—without any transaction fees. Plus, it offers a stellar lineup of transfer partners, unique perks like Rent Day, and even the potential to pay your mortgage (with a little creativity). Here’s everything you need to know about this game-changing card. 1️⃣ Earn Points on Rent: Up to 50,000 Points Annually 🏠 For most renters, rent is the largest monthly expense, often eating up a significant chunk of their budget. Historically, it’s been nearly impossible to earn rewards on rent without hefty transaction fees. Bilt changes that by offering 1x points on rent payments (up to 50,000 points per year) with no fees. Whether you’re renting a cozy studio or a spacious apartment, every dollar you spend on rent becomes a point you can redeem for travel, dining, or even a down payment on a home. 💪 How it works: Bilt partners with property management companies and landlords across the U.S. through the Bilt Rewards Alliance. If your landlord is part of the alliance, you can pay rent directly through the Bilt app. If not, Bilt will mail a check or set up an ACH transfer on your behalf, ensuring you still earn points. It’s a seamless way to turn a non-negotiable expense into a rewards opportunity. 2️⃣ Mortgage Payments: A Sneaky (But Exciting) Possibility 🏡 Here’s where Bilt gets really interesting. While the card is primarily marketed for renters, some savvy users have discovered it can be used to pay mortgages in certain cases. This is a bit of a gray area, as not all lenders accept credit card payments directly, but Bilt’s payment system (via check or ACH) can sometimes work for mortgage payments. Always check with your lender to confirm compatibility, as terms vary. If it works, you could be earning points on one of your biggest financial commitments—a rare and exciting opportunity! 😲 Pro Tip: If your lender doesn’t accept direct payments, explore whether Bilt’s payment processing can bridge the gap. Just be sure to weigh any potential fees or interest charges if the payment isn’t processed as a purchase. 3️⃣ Elite Transfer Partners for Maximum Value ✈️ Bilt’s rewards program is a dream come true for points and miles enthusiasts. The card offers a 1:1 transfer ratio to some of the most sought-after loyalty programs, including: United MileagePlus World of Hyatt IHG Rewards Air Canada Aeroplan Virgin Atlantic Flying Club These partners are rare in the world of transferable points, making Bilt a standout for those who love to maximize value. For example, transferring points to World of Hyatt can unlock luxurious hotel stays at properties like the Park Hyatt Paris-Vendôme, while American Airlines miles can get you closer to a business-class flight. 🌴 The flexibility to redeem points for travel, dining, fitness credits, or even future home purchases makes Bilt’s ecosystem incredibly versatile. 4️⃣ Sign-Up Bonus: 5x Points for 5 Days! 🎉 New cardholders get a warm welcome with Bilt’s sign-up bonus: 5x points on all purchases for the first five days after card activation (subject to terms and limits). Whether you’re buying groceries, filling up your gas tank, or splurging on a new pair of shoes, every purchase earns five times the points during this period. It’s a fantastic way to jumpstart your rewards balance and get a taste of Bilt’s earning potential. 🏃♂️ 5️⃣ Rent Day: Double Points Every Month! 📅 Bilt takes the first of every month to the next level with Rent Day. On this day, all spending categories earn double points. That means: Dining: 6x points (instead of 3x) Travel: 4x points (instead of 2x) Other purchases: 2x points (instead of 1x) Rent Day is the perfect time to plan big purchases, like booking a flight or treating yourself to a nice dinner. Bilt also sweetens the deal with exclusive Rent Day promotions, such as bonus points, discounts with partners, or even unique experiences like pop-up events. It’s like a monthly rewards party! 🎈 6️⃣ 5 Transactions to Unlock Rent Points 🔓 To earn points on your rent payments, you need to make at least five transactions per statement period using your Bilt Card. This requirement is a breeze to meet—think everyday purchases like coffee, groceries, or a Netflix subscription. By hitting this threshold, you ensure your rent payments are eligible for points, making it easy to rack up rewards without changing your spending habits. ☕ 7️⃣ Effortless Setup and User-Friendly App ⚙️ Bilt’s app is a renter’s best friend. Setting up your account is quick and intuitive: link your landlord or property management, verify your payment details, and you’re ready to start earning points. The app also lets you track your points, manage payments, and explore redemption options with ease. Even if your landlord isn’t part of the Bilt Rewards Alliance, the app handles payments seamlessly by sending a check or ACH transfer on your behalf. It’s hassle-free and designed to make your life easier. 🙌 💭 Why Bilt is a Game-Changer for Renters and Beyond Rent is a non-negotiable expense for millions, but it’s rarely been a source of
Chase Sapphire Preferred: Your Affordable Ticket to Epic Travel Rewards! ✈️💎
Chase Sapphire Preferred: The Ultimate “Cheapest” Premium Card for Travel Hackers! ✈️💳 Hey travel enthusiasts and point-chasers! 👋 Ready to level up your rewards game without breaking the bank? Let’s dive into why the Chase Sapphire Preferred is the bare minimum you need to unlock Chase’s incredible rewards ecosystem. It’s the “cheapest” premium card in their lineup, but don’t let that fool you—this card packs a punch! 💪 Here’s the full scoop with all the juicy details to make your wallet and wanderlust happy. 🌍✨ 💎 Why It’s the Gateway to Chase Greatness The Chase Sapphire Preferred is the entry-level premium card that unlocks the full potential of Chase’s rewards system. With a modest $95 annual fee, it’s the most affordable way to access Chase’s powerhouse features, like transferring points to top-tier travel partners. If you’ve got other Chase cards like the Freedom or Ink, this card is a must-have to maximize your points’ value. Without it, you’re leaving money on the table! 😱 Let’s break it down. 🎉 Key Benefits That Make It Shine Epic Sign-Up Bonus: 75,000 Points! 🎈 Right now, Chase is offering a massive 75,000 Ultimate Rewards points after you spend $4,000 in the first 3 months. That’s worth $937.50 when redeemed for travel through the Chase portal (more on that later)! 😎 Perfect for your next dream vacation or a few weekend getaways. Transfer Points to Amazing Partners 🌟 This is the real magic of the Sapphire Preferred. You can transfer your points at a 1:1 ratio to some of the best travel partners out there, like: 🏨 Hyatt (think luxury stays at places like the Park Hyatt for a steal) ✈️ United Airlines, Southwest, British Airways, and more 🚆 Amtrak, Virgin Atlantic, Air Canada Aeroplan, and others Transferring to partners can stretch your points’ value to 2-3 cents per point (or more!), compared to just 1 cent for cash back. That’s how you score $1,000+ trips for pennies! 🤑 $50 Annual Hotel Credit 🏡 Book a hotel through the Chase Travel Portal, and you’ll get an automatic $50 statement credit every year. That slashes the $95 annual fee to an effective $45—basically the cost of a fancy coffee run! ☕ $10 Monthly DoorDash Credit + DashPass 🍔🚀 Get $10 off DoorDash orders every month (that’s $120 annually!), covering takeout, groceries, or even convenience store runs. Plus, you get a free DoorDash DashPass membership (normally $9.99/month), which means $0 delivery fees on eligible orders and discounted service fees. Pro tip: Use DashPass for discounted gift cards (like Amazon, Airbnb, or Starbucks) for extra savings everywhere! 🛍️ 1.25x Value on Travel Redemptions ✈️ Redeem your points for travel through the Chase Travel Portal, and they’re worth 1.25 cents each. So, those 75,000 bonus points? That’s $937.50 toward flights, hotels, car rentals, or even cruises! 🚢 This perk is rare—only one super-expensive Amex card offers a similar 30% rebate, but it comes with a sky-high annual fee. With Sapphire Preferred, you get premium value on a budget! 💸 10% Anniversary Points Bonus 🎂 Every year, Chase gives you a 10% bonus on all the points you earned that year. Spend $20,000? You’ll get 2,000 extra points! This effectively boosts your earning rate to 1.1x everywhere, even on non-bonus spending. Sweet deal! 🍬 Solid Earning Rates 💵 3x points on dining (restaurants, takeout, delivery) 🍽️ 3x points on online grocery purchases (excluding Walmart, Target, wholesale clubs) 🛒 3x points on select streaming services (Netflix, Spotify, etc.) 🎥 2x points on all travel (flights, hotels, trains, taxis, and more) ✈️ 1x point on everything else, plus that 10% anniversary boost! 🚀 Why You NEED This Card for Other Chase Cards Got a Chase Freedom Unlimited, Freedom Flex, or Ink Business card? Those cards earn Ultimate Rewards points, but without a Sapphire Preferred (or Reserve), you’re stuck redeeming them at just 1 cent per point for cash or travel. 😕 With the Sapphire Preferred, you can: Transfer points to partners like Hyatt for insane value (think $1,500+ in hotel stays from that 75k bonus). Redeem at 1.25x through the Chase portal for cheaper travel. This card is the key to unlocking the full potential of Chase’s ecosystem. It’s like upgrading from a flip phone to a smartphone! 📱 💸 Is the $95 Annual Fee Worth It? Let’s do the math: $50 hotel credit = $50 savings. $120 DoorDash credits = $120 savings (if you use it). DashPass = ~$120 value (based on $9.99/month). 75k sign-up bonus = $937.50 in travel (at 1.25x). Even if you only use the hotel credit and sign-up bonus, you’re already way ahead! The DoorDash perks and transfer options are just icing on the cake. 🎂 Plus, the card offers no foreign transaction fees, making it a great travel companion. 🌎 🛡️ Extra Perks for Peace of Mind Trip cancellation/interruption insurance (up to $10,000 per trip). Primary auto rental collision damage waiver (saves you on rental car insurance). Purchase protection and extended warranty for your shopping sprees. 🛍️ Travel and emergency assistance services for those “uh-oh” moments abroad. 😅 🎯 Who’s This Card For? Travel lovers who want premium perks without a $500+ annual fee. Points hackers looking to maximize Chase Ultimate Rewards with partners like Hyatt or United. Chase cardholders (Freedom, Ink, etc.) who want to supercharge their points’ value. Beginners to the points game—this is the easiest premium card to justify! 😎 Pro Tips to Maximize the Card Pair it with other Chase cards: Use Freedom Unlimited for 1.5x on everything or Freedom Flex for 5x on rotating categories, then transfer those points to Sapphire Preferred for partner redemptions. Book Hyatt stays: Transfer points to World of Hyatt for luxury hotels at a fraction of the cost (e.g., 5,000 points for a $200+ room). Use the Chase Travel Portal: Get 1.25x value on budget flights or hotels when partners aren’t an option. Max out DoorDash: Even if you don’t order food, use the $10 credits for convenience store items or gift cards. 🌈
Unlock Big Rewards with the Chase Ink Business Cash® Credit Card: A No-Brainer for Small Businesses 🚀<
Unlock Big Rewards with the Chase Ink Business Cash® Credit Card: A No-Brainer for Small Businesses 🚀 If you’re a small business owner, freelancer, or side hustler, the Chase Ink Business Cash® Credit Card is a must-have for maximizing your rewards without paying an annual fee 💸. With a massive 90,000-point sign-up bonus 🎉, high cash-back rates in key categories, and a clever hack to earn 5X points on nearly any purchase 🛒, this card delivers exceptional value. Plus, perks like a $20 monthly Instacart credit 🛍️ make it even more appealing. Let’s explore why this card is a game-changer for your business and how to make the most of its benefits! 🎁 A Stellar 90,000-Point Sign-Up Bonus The Chase Ink Business Cash offers an incredible 90,000-point sign-up bonus when you use the referral link below and spend $6,000 within the first 3 months of account opening. That’s worth $900 in cash back 💰 or $1,125 toward travel ✈️ when redeemed through Chase Travel℠ if paired with a premium Chase card like the Chase Sapphire Preferred® or Ink Business Preferred® (which boosts point value by 25%). This is one of the most generous bonuses for a no-annual-fee business card, making it a fast track to significant rewards! 💸 No Annual Fee: Keep More Money in Your Pocket With $0 annual fee 🙌, the Ink Business Cash lets you enjoy premium rewards without worrying about yearly costs. This makes it ideal for small business owners or freelancers who want to keep expenses low while earning big. You can hold this card long-term and continue racking up points without any financial burden 📈. 🌟 Earn 5X Points in Key Business Categories The Ink Business Cash offers a robust rewards structure tailored to common business expenses: 5% cash back (5X points) on the first $25,000 spent annually (combined) at: Office supply stores (e.g., Staples, Office Depot) 🖥️ Internet, cable, and phone services 📱 2% cash back (2X points) on the first $25,000 spent annually (combined) at: Gas stations ⛽ Restaurants 🍽️ 1% cash back (1X points) on all other purchases with no cap 🛍️ Each $1 in cash back equals 100 Chase Ultimate Rewards points, which can be redeemed for cash, gift cards, or travel. With the 5X categories, you can earn up to 125,000 points per year just from office supplies and telecom spending! 🎯 The 5X Everywhere Hack: Gift Cards at Office Supply Stores Here’s where the Ink Business Cash becomes a rewards powerhouse: you can earn 5X points on nearly any purchase by buying gift cards at office supply stores like Staples or Office Depot 🏬. These stores sell no-fee or discounted Visa/Mastercard gift cards and retailer-specific gift cards (e.g., Target, Amazon, grocery stores). By purchasing these with your Ink Business Cash, you’ll earn 5X points on transactions you’d normally make at 1X or 2X. For example, if you need diapers from Target 🍼, buy a Target gift card at Staples (online or in-store) with your Ink Business Cash to earn 5X points. Staples frequently offers fee-free Visa gift card promotions (e.g., $200 cards with no activation fees), which can be used like debit cards for bills, groceries, or any expense—effectively giving you 5X points everywhere up to the $25,000 annual cap 🤑. Since Staples sells gift cards online, this hack is accessible even without a store nearby! 🛒 Valuable Perks: $20 Monthly Instacart Credit & More The Ink Business Cash comes loaded with benefits that add serious value: $20 monthly Instacart credit: Up to $240 annually for grocery deliveries or pickups 🥕. Even with Instacart’s fees, this credit, combined with their sales, often saves you money. Plus, get a free 3-month Instacart+ membership for free delivery on orders over $35 🚚. Chase Offers: Add exclusive discounts and bonus cash back at select merchants for extra savings 🏷️. Purchase Protection: Covers eligible purchases against damage or theft for 120 days (up to $10,000/claim, $50,000/account) 🛡️. Extended Warranty: Adds an extra year to eligible U.S. warranties of 3 years or less 🔧. Employee Cards at No Cost: Add employees for free, set spending limits, and earn rewards on their purchases 👥. Primary Rental Car Insurance: Primary coverage for theft/collision damage on business rentals (up to $60,000 for vehicles with MSRP ≤ $125,000) 🚗. 🏆 Why the Ink Business Cash Is a No-Brainer This card is a top pick for small businesses and side hustlers (think eBay sellers, Uber drivers, or bloggers). Here’s why it stands out: No Annual Fee 💸: Keep all your rewards without yearly costs. Huge Sign-Up Bonus 🎉: 90,000 points is worth at least $900, potentially more with travel partners. 5X Points Hack 🛠️: Use gift cards to earn 5X on non-bonus spending. Instacart Credits 🛍️: Up to $240/year in grocery savings is rare for a no-fee card. Flexible Rewards 🌍: Redeem points for cash, gift cards, or travel, and they never expire (if your account stays open). If you have access to Staples or Office Depot (or shop online at Staples.com), the gift card hack makes this card a rewards juggernaut. Even without it, the bonus, 5X categories, and Instacart credits make it a winner! 🏅 👩💼 Who Should Get This Card? The Ink Business Cash is perfect for: Small business owners or freelancers with expenses in office supplies, internet, cable, phone, gas, or dining. Anyone who can leverage the gift card hack to earn 5X points on everyday purchases. Those under Chase’s 5/24 rule (fewer than 5 personal cards opened in the last 24 months; business cards typically don’t count). Side hustlers—even small ventures like online selling or freelancing qualify as a business for Chase! 💻 💡 Tips to Maximize Your Rewards Use the Gift Card Hack 🎫: Buy Visa/Mastercard or retailer gift cards at Staples/Office Depot for 5X points on everything from groceries to bills. Pair with a Premium Chase Card 🔗: Combine points with a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® for 25% more travel value or transfers to partners