@@LK_EBM buying gift cards at the office supply stores most likely
@SpencerJohnsonOfficial6 ай бұрын
You're not wrong!! I personally don't feel super comfortable doing the gift card strat for whatever reason, but I bet you're doing better than me points wise! 🥉
@AnthonyVenture6 ай бұрын
Let’s go Spencer! Same with you, all my utilities and what not are baked into the rent and I don’t pay for my phone directly therefore, this card wouldn’t be a super earner either. But a great welcome offer though 😈
@SpencerJohnsonOfficial6 ай бұрын
Sounds like this card serves the same purpose for both of us, and it sure serves that purpose well lol.
@Cody.Little6 ай бұрын
Some great points! I pay for utilities separately and will use the gift card hack at office supplies at least occasionally throughout the year so for $0 I’ll keep it!
@SpencerJohnsonOfficial6 ай бұрын
You're likely earning a bunch of points that way, so nice work!
@TexasDevin6 ай бұрын
I assume this means you buy gift cards for non-office supply companies, but buy the cards from office supply stores, thereby getting you 5x on the purchase?
@Cody.Little6 ай бұрын
@@TexasDevin Yep, you nailed it! I don’t do it often and I try to buy an actual item with it so it’s not so obvious, just to stay on chase’s good side
@TexasDevin6 ай бұрын
@@Cody.Little Sounds like a pretty solid strategy to me.
@billwright21766 ай бұрын
I have a couple hundred as recurring expenses on the cic in 5x . 1600+ points a month sitting in a drawer works for me.
@SpencerJohnsonOfficial6 ай бұрын
That's awesome! Keep racking up those points!
@bdrummond1958Ай бұрын
Does the ink business cash act as a store of UR points if i close a CSP or a CSR card? as in, if the points accounts are combined, i assume that the points would stay in my acct if i keep the chase ink cash open?
@turtletrade6 ай бұрын
90K bonus + 125K maxing out 5X = 215K UR points 1st year alone minimum! with 0 annual fee!
@SpencerJohnsonOfficial6 ай бұрын
That's a ton of points for sure!! Pretty crazy for a card without an annual fee.
@headlibrarian19966 ай бұрын
Yes, but that’s great only if you have organic spending. I’d have to more than double my natural spending to get that 125k UR.
@MontyTheCardNerd6 ай бұрын
Nice review of the card Spencer! I'm also planning to get it eventually, mostly for the sign up bonus. I don't think it'll be much of an earner for me, but as you said, it's typically a good play to just keep a no annual fee card.
@SpencerJohnsonOfficial6 ай бұрын
Thank you Monty! It definitely is a card that's worth it for the bonus alone in my opinion, but there are ways to make it much more lucrative if you wanted to. I just don't personally do that since I have so many other cards I spend on already.
@kaina7326 ай бұрын
The 90,000 SUB and the 5x for office supplies and cable is well worth it for me at a $0 AF.
@SpencerJohnsonOfficial6 ай бұрын
Absolutely! For a card without an annual fee, that's a ton of value to be had!
@CallMeLani6 ай бұрын
Ink Cash is an EARNER!
@SpencerJohnsonOfficial6 ай бұрын
It sure can be!
@Dom598786 ай бұрын
You can get 2 with the same ss#. I just did and just got the 90K miles.
@SpencerJohnsonOfficial6 ай бұрын
Thanks for the DP Dom! That's great to know!
@mtuze83566 ай бұрын
If business cards don’t impact your personal credit profile does it really matter if you close it after a year if you don’t need it at all and just got it for the SUB?
@LK_EBM6 ай бұрын
Nope. Many people close it after a year
@SpencerJohnsonOfficial6 ай бұрын
That's definitely something many people do, but for a card with no annual fee, there's no real harm in leaving it open in my opinion. It's just up to how you like to manage your cards.
@mtuze83566 ай бұрын
@@SpencerJohnsonOfficial Of course. I just wanted to make sure I was understanding correctly as I’m new to business cards with the first one being the Ink Unlimited for the 90k SUB.
@SpencerJohnsonOfficial6 ай бұрын
No worries! That's great you got approved for that SUB! @@mtuze8356
@carloshidalgo32986 ай бұрын
Spencer I just called chase about my freedom unlimited card and had it since 2017 and they said I only get the bonus cash or pts once not every 2 years like you said on this video ???
@JakeVanderPloeg6 ай бұрын
I think I might dive into the gift card hacking scene when I eventually get this card. I love Target but hate only getting 1.5x back on my spend. Great video per usual Spencer!
@LK_EBM6 ай бұрын
You need the Target debit Redcard for 5% back. You're missing out. I wouldn't waste my time buying Target gift cards
@SpencerJohnsonOfficial6 ай бұрын
That's definitely a viable approach! I personally don't feel super comfortable doing it, but those that do get a lot more points on this card than I do.
@headlibrarian19966 ай бұрын
Target has 5% cash back credit and debit cards. Not quite as good as 5x UR but you should never have been stuck at 1.5x on target purchases from a Chase Freedom or Ink Unlimited.
@johnwick8606 ай бұрын
hi, can you make a no Foreign TF video? lowest AF as much as possible.... for UR/Hyatt points... I am looking at CSP, CIBP, Bilt.... was thinking about C1 Savorone but only as 1x on everything else... any card I should get?
@SpencerJohnsonOfficial6 ай бұрын
That's not a bad idea! There are a ton of no-annual-fee cards out there! The ones you listed are great and could be complimented by other cards too, but there's always more to consider than no FTFs alone, so it would depend on your goals outside of that metric. I'd honestly just look up a list of them and peruse through it to see what sticks out.
@RITPA6 ай бұрын
What is a “rental portal”?
@SpencerJohnsonOfficial6 ай бұрын
It's just a system my rental company uses that I pay all my rent, utilities, etc. through which is why I can't utilize the 5x back on internet and cable services on this card. If you pay for each of those separately, you'll be able to utilize those 5x categories as long as they code correctly.
@RITPA6 ай бұрын
@@SpencerJohnsonOfficial You CAN"T get the bonus. I thought otherway around. I thought you were using some portal to get 5x. Now I understand.
@SpencerJohnsonOfficial6 ай бұрын
Ahh I gotcha. Glad we gcould clear that up! @@RITPA
@johnwick8606 ай бұрын
Spence, for office suppiles you can get 5x for Amazon... is there any Chase card that can beat that? same 5x UR pts?
@adocloja6 ай бұрын
He already has an Amazon prime card for 5x.
@johnwick8606 ай бұрын
@@adoclojaprime card doesnt earn UR points right?
@SpencerJohnsonOfficial6 ай бұрын
It's technically a very lucrative approach! I just personally don't use it because for one I have the Amex Amazon Business Prime card that I use for those purchases, but also because I don't want to go out of my way to go to office supply stores and a lot of the times I'm spending towards a new card bonus anyways, making that strategy less applicable for me. Plus I'm not fully comfortable with it tbh... But if done right it's very powerful.
@SOXGATORS6 ай бұрын
😊
@ItsMeCJ6 ай бұрын
Disqualified!!!
@SpencerJohnsonOfficial6 ай бұрын
You're the man! 👑
@ItsMeCJ6 ай бұрын
1
@SpencerJohnsonOfficial6 ай бұрын
Close one CJ 😉🥈
@johnwick8606 ай бұрын
agree...aside from office supply stores 5x... the multipliers are trash
@SpencerJohnsonOfficial6 ай бұрын
Well, the other categories can be great depending on how you pay for those things, but it just doesn't work for me right now unfortunately.
@johnwick8606 ай бұрын
I wish Chase removes the FTF
@SpencerJohnsonOfficial6 ай бұрын
Same!
@headlibrarian19966 ай бұрын
Chase reserves that for the Ink Preferred. It has the same travel multiplier as the Sapphire Reserve. Too bad its CDW is primary only for business trips.