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The Ink Business Cash Card has an all-time high sign-up bonus offering $1,000 total cash bonus (or 100,000 Ultimate Rewards points) for new cardholders that meet the spending requirements, along with 5%/2% cash back on select small business categories, all with no annual fee. Here are the details:

• $1,000 bonus. Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening. This matches the all-time high; previous offer was $750.
• 5% cash back (or 5X Ultimate Rewards per dollar) on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
• 2% cash back (or 2X Ultimate Rewards per dollar) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
• 1% cash back on all other card purchases with no limit to the amount you can earn.
• Free additional cards for employees.
• No annual fee.

Ultimate Rewards points. The cash sign-up bonus actually comes in the form of Ultimate Rewards points at 1 point = 1 cent in cash. 100,000 points = $1,000 cash.

You can pool all of your Ultimate Rewards points from other Chase cards together (even with your spouse in the same household) with cards like the Chase Sapphire Preferred to take advantage of all the excellent transfer options to programs like Hyatt hotels and United Airlines.

Leveraging the 5% back bonus categories. Putting all of your small business cell phone, landline, and internet bills on the card and getting 5% back is pretty handy. For example, even just $200 a month x 12 months x 5% back is $120 back a year without changing your spending habits. Now let’s take the office supply store category and the fact that you can buy gifts cards to Amazon.com and other retailers at such office supply stores like Staples and OfficeMax… now you can effectively discount many of your other purchasing needs by 5% as well. Putting those purchases on such gift cards upfront can also help you meet the spending requirement for the bonus.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Note that Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

Bottom line. The Ink Business Cash Card has a large sign-up bonus and ongoing features of 5X/2X categories with no annual fee. This card is best if you have significant expenses in the special 5% and 2% categories above. If you have certain other Chase credit cards, you can transfer Ultimate Rewards points over to those cards and increase your value.

Offer is back for Summer 2026. Planet Fitness is running the High School Summer Pass again in 2026, which is a free gym membership for teens ages 14-19 to work out at any of its more than 2,500+ locations throughout the US and Canada. Valid Monday, June 1 through Saturday, August 31. Participants must work out at the “home” location they sign up at and are not permitted to use other locations. Here is a gym locator.

This year, you also get a code for 20% off Gymshark clothing, sent to your e-mail 2-3 days after signing up. Parents can also get one free Day Pass.

Participants can work out for FREE at participating Planet Fitness locations (U.S. and Canada, excluding Puerto Rico) starting Monday, June 1 through Monday, August 31. Participants must work out at the location they sign up at and are not permitted to use other locations.

Paze is a new online checkout shortcut where you don’t have to type in your credit card number and billing address details repeatedly (think of how “Apple Pay” or “Google Pay” are so convenient), this time backed by a bunch of different banks and credit unions. In order to build a habit, Paze is running a Spend $10, Get $10 promo that works up to 10 times per linked card. That means it could be worth $100 per linked card, and so if you have 5 linked cards for example, that’s up to $500 in credits. Here is a list of current Paze merchants.

Between June 15, 2026 and September 10, 2026, each time you spend $10 or more using Paze® in a single transaction at a participating merchant, you’ll receive a $10 statement credit.

You can earn this credit up to 10 times, for up to $100 back per card in your Paze wallet. Paze is accepted at a growing list of online merchants – see the full list here.

Note: Chase Sapphire and Freedom cards are also offering a separate promo for 10X points per $1 spent on Paze purchases right now. You can verify this in your Chase App under the Benefits section for your Sapphire Preferred/Reserve and Freedom Flex/Unlimited cards. A nice stacking opportunity. You can also link them to Paze directly in your Chase App under “More” in the bottom right corner and then “Digital Wallets”.

Here are a few ideas on how to spend this credit efficiently. Remember, each purchase just has to total $10 to trigger the credit, so you want to get as close to that minimum as possible.

• $10 Dunkin gift cards. Dunkin App, Scan/Pay, Pay Another Way, Add A Dunkin Card, No, Next, $10, Paze. You can merge balances up to $120. Worked for me.
• $10.99 Domino’s pizza for carry-out. Right now, Domino’s has a promo for $10.99 pizzas of any size, any toppings. You can’t buy a $10 gift card through their app, but you can make multiple orders for $10.99 pizzas and just pick them up all at once. Worked for me.
• $10 Fanatics gift card (limited). I was able to buy one but not a second immediately after. According to a commenter on Reddit who contacted customer support, there is a cooldown period. But since this promo lasts until September, you could still accumulate a decent amount of gift cards over time.
• Meals just over $10 from Wendy’s. Order in the app or online.
• Items just over $10 from Sephora. Order in the app or online.
• Items just over $10 from Newegg.com Gift cards are no longer a good option.
• Any other ideas?

The Chase Sapphire Preferred Card has been a big hit for Chase since it came out, and they recently announced (press release) several positive changes that will come into effect on June 15th, 2026 for both new and existing applicants and some negative changes (notable Hyatt points transfers) that will be grandfathered for existing cardholders until October 1st, 2026.

Additions / Positive Changes

• $100 Chase Travel Hotel Credit each account anniversary (increased from $50).
• 3X points on gas and EV charging.
• 3X points on vacation rentals (Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com and Vacasa).
• $120 credit toward Global Entry, TSA PreCheck or NEXUS every four years.
• “Emergency Evacuation and Transportation coverage” added to their existing list of travel protections.
• One-time 12-month Apple TV subscription for free when activated by December 31, 2026.

Removals / Negative Changes

• Hyatt points transfers devalued by 25%. Before, Ultimate Rewards points transferred to Hyatt at a 1:1 ratio for Sapphire Preferred and Ink Business Preferred cards. Now, it is a 4:3 ratio, which is the same as a 1:0.75 ratio. (Chase Sapphire *Reserve* cardholders will keep the 1:1 ratio.) So every 1,000 Ultimate Rewards points only becomes 750 Hyatt points now, instead of the previous 1,000.

  “Sapphire Preferred and Ink Business Preferred cardmembers’ Ultimate Rewards points will transfer to World of Hyatt at a rate of 4:3. For Sapphire Preferred cardmembers, this is effective immediately for new cardmembers who apply on or after June 15, 2026, and effective October 1, 2026, for cardmembers who applied prior to June 15, 2026. For Ink Business Preferred cardmembers, this is effective October 1, 2026, for existing cardmembers and for new cardmembers who apply on or after October 1, 2026.”

• 10% anniversary points bonus removed. “The 10% Anniversary Bonus Benefit is being discontinued, effective immediately for cardmembers who apply on or after June 15, 2026. For cardmembers who applied prior to June 15, 2026, eligible purchases made through October 1, 2026, will continue to earn the 10% bonus, which will be awarded by January 31, 2027.”

No change

• $95 annual fee.
• 5X points on Chase Travel portal purchases (flights, hotels, car rentals, etc).
• 2X points on all other travel worldwide.
• 3X points on dining worldwide, including takeout and eligible delivery services
• 3X points on select streaming services (Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu)
• 3X points on online grocery purchases (excludes Target, Walmart, and wholesale clubs).
• 5X points on Lyft rides through September 30, 2027
• 5X total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027
• 1X points on all other purchases

The Hyatt points transfer change is a double-whammy. Ultimate Rewards points to Hyatt transfers used to be a relatively hassle-free way to easily get over 2 cents per point value. But not only has Hyatt devalued their own points a lot recently (most of their hotels now cost more points to book), but now the transfer rate from Ultimate Rewards also dropped by 25% for this card. That nudges the value of an Ultimate Rewards points much closer to the basic sad value of 1 cent per point. Now it will take more work to find other transfer partners like a United Airlines redemption to get good value.

Even though these are “improvements” to the Sapphire Preferred, this actually shifts my personal preference a bit more to the Chase Sapphire Reserve, which has its own set of complications, but at least I can still get full 1:1 value to Hyatt points with my large bank of points. You can also transfer your other points over to the Reserve from your other cards and household family members. Right now, I am still in the middle of my first year with the Chase Sapphire Reserve and trying to figure out what I’m really able to get out of all those annual credits. The sign-up bonus is also increased to 150,000 Ultimate Rewards points until 6/15.

Our household strategy in the past has been for at least one person to have the Chase Sapphire Preferred to keep our Ultimate Rewards balance going, sometimes transferring back and forth as needed, and then the other person might have the Reserve for a while.