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Did you hear that the Christmas-Hanukkah-Kwanzaa-holiday party season is a week or two away?
For many of us, it’s time to buy gifts for family and friends (and colleagues, employees, and contractors).
That can get pretty expensive pretty quickly. But there’s an easy way to save at least 5% on many gift purchases.
The no-annual-fee Ink Business Cash® Credit Card offers 5% cash back (awarded as 5X Chase Ultimate Rewards® points) per dollar on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services.
“So, what am I supposed to do?” you might ask. “Buy everyone pens and file folders they don’t need? Pay their cable bills?”
Well, you can. But there’s a bigger reason.
Many office supply stores (such as Office Max/Office Depot and Staples) sell these:
Gift cards are easy to give and there are plenty of options. Chances are you know your gift recipients and their tastes (both figurative and literal).
Someone I know was remodeling her home. I went to Office Depot, bought her Home Depot gift cards using my Ink Business Cash® Credit Card and earned 5% back.
My graphic designer enjoys Starbucks. Guess who’s getting a Starbucks gift card purchased at Staples this year? (Let me know if you need a great graphic designer, too!)
Major office supply stores also sell Visa and Mastercard gift cards. Staples and Office Max/Office Depot routinely run promotions during which those cards’ activation fees are waived. That’s found money (points) if you pay with a rewards card — especially with a Ink Business Cash® Credit Card.
Again: there’s a $0 annual fee.
“But I Prefer Giving Presents That Aren’t Gift Cards!”
I, too, enjoy the reaction when people open a present and see something specific they need (or want).
But that’s where gift cards can also come in handy.
Let’s face it: most of us buy stuff from Amazon. Purchase an Amazon gift card from an office supply store, earn 5% cash back (or 5X points per buck spent), use that to purchase gifts, and voila!
Or you can take advantage of the fee-free Visa and Mastercard gift card sales at Staples and Office Max/Office Depot. Buy some of those gift cards, and spend the money however you want.
HUGE Welcome Offer
The Ink Business Cash® Credit Card currently offers $900 bonus cash back (awarded as 90,000 bonus Chase Ultimate Rewards® points) after you spend $6,000 on purchases within three (3) months of being approved for card membership.
“But I Don’t Own a Small Business!”
Are you sure about that?
I know so many people who say that but actually have legitimate side hustles.
“Selling stuff on eBay” is the classic example of a side hustle. If someone hires you to do something and pays you directly, that sounds like a small business. Babysitting, blogging, self-publishing books, driving rideshare or food delivery, selling crafts, working on Fiverr, etc., you get it. Your Social Security Number can work. (Consult your tax professional if you have questions.)
See how you might be a small business?
Time to Set Sail!
The gift-giving season is pretty much here.
A great way to save money is to purchase gift cards at office supply stores and use a Ink Business Cash® Credit Card to pay for them. The card offers 5% cash back (awarded as 5X Chase Ultimate Rewards® points) per dollar on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services.
Plus, the welcome bonus is great — especially if you transfer the points to certain other Chase Ultimate Rewards cards.
Advertiser Disclosure: Frequent Floaters has partnered with CardRatings for our coverage of credit card products. FrequentFloaters and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities
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.
