What do you do, that you max out the 5x?

@@LK_EBM buying gift cards at the office supply stores most likely

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! 🥉

Sounds like this card serves the same purpose for both of us, and it sure serves that purpose well lol.

You're likely earning a bunch of points that way, so nice work!

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?

@@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

@@Cody.Little Sounds like a pretty solid strategy to me.

That's awesome! Keep racking up those points!

That's a ton of points for sure!! Pretty crazy for a card without an annual fee.

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.

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.

Absolutely! For a card without an annual fee, that's a ton of value to be had!

It sure can be!

Thanks for the DP Dom! That's great to know!

Nope. Many people close it after a year

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.

@@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.

No worries! That's great you got approved for that SUB! @@mtuze8356

You need the Target debit Redcard for 5% back. You're missing out. I wouldn't waste my time buying Target gift cards

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.

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.

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.

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.

​@@SpencerJohnsonOfficial You CAN"T get the bonus. I thought otherway around. I thought you were using some portal to get 5x. Now I understand.

Ahh I gotcha. Glad we gcould clear that up! @@RITPA

He already has an Amazon prime card for 5x.

​@@adoclojaprime card doesnt earn UR points right?

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.

Disqualified!!!

You're the man! 👑

Close one CJ 😉🥈

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.

Same!

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.