7 Easy & Effective Ways to Earn 5X with Chase Ink & Maximize Your Earnings

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Earn 5X Chase Ink

Ways to Earn 5X Chase Ink

The Chase Ink Cash & Plus cards are among my favorite cards period. Not only do they earn very valuable Ultimate Rewards points, but they have a very generous 5X category bonus. Thankfully there are many ways to hit this 5X bonus and generate thousands of points on everyday spend. Today I’ll go through the best and easiest ways to earn 5X Ultimate Rewards with your Chase Ink Cash or Ink Plus card.


The Chase Ink Cash & Ink Plus cards earn 5X points in the following categories:

  • Office supply stores
  • Cellular phone, landline, internet and cable TV services.

The Ink Cash is capped at earning 5X on $25K in spend per cardmember year while the Ink Plus is capped at $50K in spend. Now let’s look at 7 great ways to max out your 5X earnings with these cards.

1. Pay Your Television & Cell Phone Bill

Earn 5X Chase Ink

The first and perhaps most obvious way to rack up 5X with these cards is to pay your normal bills. Most households spend $200+ per month between cable television, internet and cell phones. Thankfully you can easily earn 5X on that spend. At $200 per month, you can generate 12,000 points per year without doing anything differently. Pretty good.

2. Take Advantage of Staples Gift Card Sales

Staples loves to run sales on gift cards. Every few weeks they tend to run a negative cost Easy Rebate promotion on Visa or Mastercard gift cards. These promotions have a limit of 1 per household, but participating in them can be a way to generate points at a negative cost. If you do purchase $400 in Visa or Mastercards and participate just 10 times a year, you will generate almost 21,000 points!

Visa/MC deals aren’t the only way to earn big points at Staples. They often run discounts on merchant gift cards as well. These cards can sometimes be sold at a profit and you get to keep the points. In the past month Staples has had profitable deals on Gap, iTunes, Nike & more. Of course you can always buy gift cards for personal use. A lot of people purchase Amazon gift cards at Staples to earn 5X on all of their Amazon spend.

3 Maximize Office Depot/Officemax Instant Rebates

Earn 5X Chase Ink

Office Depot and Officemax also have Visa rebate promotions of their own. Unlike Staples, they give you the rebate instantly! While the terms are enforced differently at every store, it is often possible to get these deals over and over. For example, this week they are running a Visa gift card rebate. If you purchase $400 in cards, you make $1.10 and earn 2,070 points. Do it every day or at multiple stores and you can earn big!

4. Buy From PayPal Digital Gifts on eBay (NO LONGER WORKS)

PayPal Digital Gifts sells a variety of eGift cards on eBay. They also run discount promotions from time to time on cards. While PayPal Digital Gifts isn’t technically a utility or an office supply store, if you pay with a Chase Ink Plus/Cash through PayPal you earn 5X Ultimate Rewards points. Some of their deals are great to purchase for personal use and others are great resale opportunities! Here is an example of some recent deals.

5. Save with Gift Card Mart

Earn 5X Chase Ink

Gift Card Mart is a smaller gift card reseller, but one with a great reputation. They sell merchant gift cards at a discount off of face value and you also earn 5X Ultimate Rewards points when you pay with a Chase Ink Cash/Plus card through PayPal. I have purchased from Gift Card Mart many times and find their staff to be among the friendliest in the industry.


6. Purchase Gift Cards from Gyft

Gyft makes it really easy to earn 5X Ultimate Rewards points. They don’t sell discounted cards, but if you are looking for a card at face value then this is a great place to get them. Not only do you earn 5X when paying with a Chase Ink Plus/Cash card through PayPal, but your electronic card is delivered instantly. I purchase $500 Amazon gift cards through Gyft and load them to my account to earn 5X! It’s easy, takes only seconds and is all done online.

7. Get Discounted Cards from CardCash (NO LONGER WORKS)

kohls gift card rack (2)

CardCash is another gift card reseller that codes as 5X with a Chase Ink Plus/Cash card through PayPal. For awhile CardCash was no longer coding as 5X, however purchases from them are once again earning the bonus. CardCash only guarantees their cards for 45 days and they tend to have a lot more fraudulent cards compared to other resellers like Gift Card Mart in my experience. With that said, if you can get a good discount, earn 5X and have an immediate use for the cards this could be a good option.

Putting It All Together

Between paying your normal bills and purchasing gift cards for both personal use and to resell, you can easily max out your 5X bonus categories on the Chase Ink Cash or Ink Plus cards. If there is a store you shop at regularly, then it pays to see if you can both earn 5X and save off of face value.

How are you earning 5X with your Chase Ink Cash/Plus cards? Do you max out your spending allowance each year in your 5X categories? Let us know in the comments!

Shawn Coomer
Shawn Coomerhttps://milestomemories.com/
Shawn Coomer earns and burns millions of miles/points per year circling the globe with his family. An expert at accumulating travel rewards, he founded Miles to Memories to help others achieve their travel goals for pennies on the dollar. Shawn also runs a million dollar reselling business, knows Vegas better than most and loves to spend his time at the 12 Disney parks across the world.

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Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Is it safe to assume all the categories above (except Staples since its Office) would work for the Chase Ink Preferred at 3x as well?


  2. We used to be able to use Chase Ink cards for 5x rebate on SVM gift cards through ebay. This appears to no longer be the case. Can you confirm?

  3. I used GYFT a couple days ago to purchase an amazon card, using my Chase Ink card, I did not get 5x miles and only got 1x on the purchase. Looks like they have recoded GYFT differently.

  4. Shawn,
    After reading you article I tried CashCard once again and for my INK Business Plus I did not get 5X miles
    I was able to get the 5X from Giftcardmart.
    Yet another data point for Chase 5X

  5. Is this Chase Ink Plus still available? The Ink Preferred that’s out now doesn’t have the same 5x bonuses right? So all this is only for people that have the discontinued Ink Plus? Any other way to maximize these 5x on other cards?

  6. Whole Foods gift cards at Staples.com or in store for my personal use and gifts and of course the usual way of cell, landline, internet, cable.

    • Shawn pointed out GiftCard mart and I see they have Whole Foods for 5% off plus your 5X ink……

      Personally I snag some Whole Foods cards on Amex Offers like the recent $20 off $100 Staples online.

  7. I’ll be using the GYFT route after March 1st rolls around for grocery and Amazon once my beloved SallieMae CC becomes useless.


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