Quick note before we start:
I don’t have this card linked directly in this post. If you’d like my affiliate link (which supports my work at no extra cost to you), feel free to DM me on Instagram, and I’ll send it your way. I only share links when someone asks, and only if it truly makes sense for their situation.

Now let’s talk about why this offer matters — and when it doesn’t.

Why This Offer Has People Paying Attention

Right now, there’s a very large business card bonus available that’s scheduled to end soon. It’s one of the biggest bonuses we’ve seen in a while on a card that earns Chase Ultimate Rewards points, which are some of the most flexible and valuable points out there.

The headline number can feel intimidating. The minimum spend is high. But the timeline is longer than usual — six full months — which makes a big difference for families with real, ongoing expenses.

This isn’t about buying things you don’t need.
It’s about redirecting expenses you already have.

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First Things First: This Is a Business Card (But That Doesn’t Mean What You Think)

A “business card” doesn’t mean you need a storefront or employees.

Many families qualify because they:

• Sell items online
• Tutor, coach, or consult
• Run a small side hustle
• Have freelance income
• Drive rideshare occasionally
• Sell on Facebook Marketplace or Etsy

If you have any form of self-employment or side income, you may qualify.

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The Big Question: How Do You Meet a Large Minimum Spend Without Overspending?

This is where people either panic — or get it right.

Let’s talk about normal household expenses that often count toward minimum spend:

• Mortgage or rent
• Utilities (electric, water, gas, internet, phone)
• Groceries
• Gas
• Insurance premiums (home, auto, health)
• Childcare or tuition
• Medical and dental bills
• Home repairs or maintenance
• Property taxes
• Car-related expenses

For many families, six months of everyday expenses adds up quickly — especially if you’re intentional about routing everything through one card during that period.

A Simple Way to Think About It

Instead of asking:
“Can I spend that much?”

Ask:
“Where is our money already going for the next six months?”

That shift is everything.

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Why the Six-Month Timeline Matters So Much

Most large bonuses require you to meet the spend in three months. This one gives you six.

That means:

• Less stress
• Less front-loading
• Less temptation to overspend

You can let your normal bills do the work.

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Why These Points Are So Valuable

Not all points are created equal.

Chase Ultimate Rewards points are considered some of the most valuable because they are:

• Flexible
• Transferable
• Not tied to just one airline or hotel brand

You can transfer them to partners like:

• Hyatt
• United
• Southwest
• British Airways
• Air Canada
  …and more

When transferred strategically, these points often go much further than using a travel portal or paying cash.

Want to See How These Points Actually Get Used?

Earning a big points bonus is only half the equation — knowing how to use those points well is what makes the difference.

If you want to go deeper, I’ve already broken this down step by step in two related posts:

• How Chase Sapphire Points Transfer to Travel Partners
  In this post, I walk through what transfer partners are, why they matter, and how Chase points can be moved to airlines and hotels for much more value than booking through a travel portal.

• How We Book $0 Hyatt Stays With Points
  This is a real-life example of how we actually use these points for family travel. I explain why Hyatt is one of our favorite transfer partners, how award pricing works, and how we’ve booked hotel stays without paying cash.
  

If you’re newer to points, I recommend starting with the transfer partners post first, then reading the Hyatt example. Seeing how the pieces fit together makes this whole strategy feel much more approachable.

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Why Recent Ink Business Card Changes Make This Offer More Important

This is a big piece many people miss.

For years, many families relied on Ink business cards as repeat earners — especially the Ink Cash card. You could open it, earn the bonus, close it, and often open it again later.

That strategy has changed.

Chase has added lifetime language to some Ink cards, meaning:

• You can’t earn the same bonus again if you’ve already had it
• Closing and reopening no longer resets eligibility
• The “open it over and over” approach doesn’t reliably work anymore

Because of this shift, large, flexible bonuses are harder to replace.

That’s why a big Ultimate Rewards bonus like this one is more meaningful now than it would’ve been a few years ago. If you pass on it, there may not be an easy substitute later.

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What About the Annual Fee?

Yes — this card has a high annual fee. That alone stops a lot of people.

But here’s the key question:
Can you realistically recoup it?

Many families offset the fee through:

• Built-in travel credits, a $300 to start with!
• Lounge access that replaces airport meals
• Travel protections (delays, cancellations, rental coverage)
• $100 Gift Card credit
• High-value point redemptions that far exceed the fee

If you already travel — even once or twice a year — the fee often becomes less painful than it looks on paper.

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Who This Makes Sense For

This offer may make sense if:

• You have steady household expenses
• You can meet the spend without changing your lifestyle
• You value flexible travel points
• You’re willing to learn basic point transfers
• You plan ahead instead of booking last minute

Not Sure If You Even Qualify for a Business Card?

This is one of the biggest questions I get — and it’s usually the biggest mental hurdle.

If you’ve ever sold something, earned side income, or been paid outside of a traditional W-2 job, you may already qualify for a business card. You don’t need an LLC, a website, or a formal business name to get started.

I walk through this step by step in another post:

• How to Open a Business Credit Card With a Side Hustle
  This post explains what counts as a side hustle, how to apply as a sole proprietor, what information you’ll need, and how many everyday moms qualify without realizing it.

If you’re feeling unsure, I recommend reading this one first. Understanding eligibility makes the rest of the strategy feel far less intimidating.

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Who Should Skip It (And That’s Okay)

This is not a good fit if:

• You’d need to overspend to earn the bonus
• Cash flow is tight right now
• You don’t want to deal with transfers at all
• You’re already feeling overwhelmed financially

Skipping a card is sometimes the smartest move.

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Final Thoughts

Big bonuses aren’t about bragging rights — they’re about fit.

For the right family, this offer can unlock meaningful travel and flexibility using money you were already going to spend. For the wrong season, it’s an easy pass.

If you’re unsure, that’s normal. These decisions deserve a pause.

One last note:
I don’t have this card linked directly in the post. If you’d like my affiliate link or want help deciding if this makes sense for your household, send me a DM. I’m always happy to talk it through before anyone applies.