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:

1. Apply for your first Ink card now (90K bonus)
2. Get approved and receive your card
3. Immediately refer your spouse/partner before October 7th (20K referral bonus)
4. 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 away!

A Word of Caution ⚠️

Only apply for business credit cards if you have some form of legitimate business activity and can pay balances in full every month. While the barriers to entry are low, you should be honest in your applications and actually use the cards for business-related expenses to maximize the benefits and maintain good standing with Chase.

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Disclaimer: Business credit card applications should be made honestly with legitimate business activities. Always read terms and conditions before applying. Make sure any credit card aligns with your spending habits and financial goals. Only apply if you can pay balances in full each month.

Tags: #ChaseInk #BusinessCreditCards #UltimateRewards #CreditCardStrategy #Instacart #PointsAndMiles