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How To Earn Another Few Thousand Dollars With The Insane Ink Offers Using The 0% APR

- Dec 5, 2023 Credit Card Info, Credit Card Offers4 comments

A few people sent me that they are earning another few thousand dollars when signing up to the two insane Ink offers by utilizing the 0% APR as well.

I decided to post about it so others can learn from them. But before I get started, I want to make it clear that such a strategy will only work out for someone who is disciplined and organized. For others, this can be dangerous (we are all adults here so make your own careful decisions).

What are the Ink offers?

There is now an all-time high offer on both the card_name and card_name.

Both cards have the following offer:

Earn 90,000 points after spending $6,000 within the first 3 months. 

Plus, intro 0% APR for 12 months on purchases (after that 18.49% to 24.49% variable).

If you get both cards then you earn a total of 180,000 points, plus 0% APR for 12 months on both cards!

How to maximize the 0% APR

You can swipe on the Ink cards and instead of paying back the balance each month you can put the money (that you would have used to pay the bill) in a high yield savings account.

With today’s rates you can earn over 5% interest in a high yield savings account!

Each month, you can swipe on the cards more and more and keep on adding more money to your savings account. 

You only need to pay the minimum payment on the credit card and the rest can be stashed away in your savings account to earn 5%+ interest!

Why is this such a great idea?

By doing the above, all your credit card spend, instead of you paying interest on it, will start accumulating interest! As the months pass, you can keep on adding more funds to the high yield savings account (instead of paying the credit card bill) and build for yourself a huge savings balance to earn interest. 

After the year is up you will have the funds to pay the credit card balance plus a lot of additional interest you earned throughout the year!

How to find good high yield savings account

Here are a few great options:

You can also check out Raisin for a lot of great options. Raisin is a partner with many great banks and you can move your money around easily from one savings account to another when the interest rate goes up. You do not need to physically open a new bank account, you can just move the money with a few clicks to any bank within the Raisin network. Raisin makes it super easy to always have your money in the highest earning savings account or CD. 

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Frequently asked questions
If I move my credit limit from one Chase business card to another, do I get the promotional 0% APR even on the added credit limit?
Yes
Why don't a I see my new Ink card in my personal Chase online account?
You need to open a new Chase business login. If you prefer you can link your personal accounts to your business login. But you cannot link your business accounts to your personal login
If I applied for the Ink card before the offer expired but the application was pending and I got approved after the offer expired, do I still get the higher offer?
Yes

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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4 Comments

  1. Don’t banks not like when you get a new 0% APR card then max it out?

    Reply
    • With Chase it’s not a problem

      Reply
      • If you max out the credit card and only pay the minimum payment, how can you use it the next month?

        Reply
        • Once the card is maxed out then you can’t swipe more. The post is referring to someone that can’t max it out in the first month

          Reply

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