A highest ever offer of $1,000 (or 100,000 points) on a no annual fee card just dropped

And if your points are running out, it might be just what the doctor ordered

Jun 12, 2026

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A quick reminder that the elevated offer of 150,000 points on The Chase Sapphire Reserve® ends Monday 6/15/26 at 8am ET.

Note: Now that Chase has devalued the transfer ratio on the Chase Sapphire Preferred® Card, a premium card will be necessary after 10/1/26 (for existing card holders) to transfer your points at an even exchange to Hyatt.

With the high bonus and $300 travel credit, it’s highly recommended to pick this card up now if you don’t already have it.

What To Do When Your Points Are Running Out

I have been home for a stretch now and booking trips like crazy — which means I’m starting to see some of my points dwindling. I try to save my Chase points for hotels since they transfer to Hyatt (more on the drama around that here) and use most of the other points I earn for flights.

I aim to always have a fair amount of points from this bank and a couple other banks at all times and weave in some airline and hotel points and miles as well. Having points in each of these forms means when I find a good deal, I can jump on it.

Points are a currency. You have dollars in the bank and you have points. The points can be redeemed for incredible travel and bucket-list experiences so you’re not forced to choose between saving money or taking a trip.

The 3 ways to earn points

Using an everyday card: The slow way to earn points (the way most people do it) is to just put spend on cards you have and wait for those points to add up over time. With this strategy, you can expect your points will cover a trip every couple of years.
Maximizing multipliers: The medium speed way to earn points is to have various cards that maximize spending in different categories. Using this card for the 4x on dining, this one for the 4x on flights and hotels booked direct, this one on groceries, this one for everyday purchases that don’t fall into any particular category.
Welcome bonuses: The fastest way (by far!) to earn points is through the welcome bonuses on credit cards. Putting $5K spend on a card you already have will earn you around 5,000 points. If you put that same spend on a new card that earns tens of thousands of points (or more) in the first few months of opening the account, you’ll earn a ton of points.

Three super high offers that just dropped today that you’ll want to know about.

Today, Chase announced three new elevated offers (a couple are the highest we’ve ever seen) that I want to make sure you stay in the know about.

Ink Business Cash® Credit Card

Earn ~~$750~~ $1,000 when you spend $8,000 on purchases in the first four months after account opening. No annual fee. Read more here.

Ink Business Unlimited® Credit Card

Earn ~~$750~~ $1,000 bonus cash back after spending $8,000 on purchases in the first 4 months from account opening. No annual fee. Earns 1.5% cash back (or 1.5x points on every purchase). Read more here.

Sapphire Reserve for Business℠

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening. Read more here.

Important note! While the Chase Ink Cash and Chase Ink Unlimited are advertised as cash back cards, the rewards come to you as points!

You can earn 100,000 Chase Ultimate Rewards® instead of $1000 (which is better because the points can be worth much more!) if you transfer the points to a card such as The Chase Sapphire Preferred® Card, The Chase Sapphire Reserve®, The Ink Business Preferred® Credit Card or The Chase Sapphire Reserve for Business℠.

FAQ:

These are business cards, but I don’t think I have a business!

99% of people qualify for business cards and many don’t realize it. Read this here for more info on qualifying. The answer might surprise you.

These say cash back. Shouldn’t I be focusing on points?

The two cards that mention cash back actually have rewards that come to you as points. I know it’s confusing! It’s just how they are marketed. The bonus will come to you as points that you can use in the valuable Chase Ultimate Rewards ecosystem by combining them with a card such as the Sapphire Preferred or Reserve.

I already have one of the no annual fee business cards, can I earn the bonus on the other?

Unfortunately, most likely not due to recent rule changes.

I have the Sapphire Reserve personal card. Is it worth getting the business card as well?

The business version also has a $300 travel credit meaning the annual fee is effectively much less than advertised. If you have the spend to get this card, the 200,000 points are worth a ton and very much worth it for at least the first year.

If I already have The Ink Business Preferred, can I apply for these no fee cards?

Yep! You should be able to earn the welcome bonus on both.

I opened a personal card from Chase within the last 30 days. Can I still apply for these?

I recommend waiting 60-90 days between card applications with the same bank but you must wait at least 30 days to open a business card after opening a personal card (note that you CAN open a personal card after opening a business card so if you are trying to do both at once, you’ll want to open the business card first).

Do the points from various Chase cards combine with one another?

Yes! You can combine points within your Chase account (and within your household) onto a card that allows points to transfer out to airlines and hotels such as this one or this one.

Why do you talk about Chase so much?

Well, they have had a lot of updates lately for one!!

Different banks have different rules about how and when affiliates can use their names in newsletters and socials. I can say some and can’t say others so that’s why you hear the name Chase more. That said, because of Chase’s 5/24 rule and the fantastic travel partners (including Hyatt), I recommend starting with Chase cards before branching out to other banks’ cards. I have links to almost all cards. You can find them here!

Why do you talk about cards so much?

Because the cards are how you can earn points to travel. And my job is to make sure you have as much intel as possible to make the best choices! Without the cards, you won’t have the points, without the points, you can’t take trips for nearly free. The rest of the pieces I publish are centered around how to use points and traveling well. The cards earn the points and the points are the way in.