A Major Shift in Rewards
As of October 1, 2026, the Chase Ink Plus card will no longer earn 5x points on purchases at office supply stores. This change marks a significant shift for existing cardholders who rely on this category to maximize their rewards. With office supplies being a staple for many businesses and freelancers, this alteration could impact how cardholders plan their spending and rewards strategy moving forward.
Why This Matters
The Chase Ink Plus card has long been a favorite among small business owners and freelancers, particularly for its generous earning rate on office supplies. For instance, earning 5x points on $1,000 spent translates to an impressive 5,000 points, which can be redeemed for travel, statement credits, or even gift cards. Now, cardholders will need to reassess their strategies as they lose this lucrative earning potential. According to a recent survey by Doctor of Credit, the trend of devaluing rewards programs is not new, but it does underscore the importance of adapting to changes in the credit card landscape.
What Can You Do Now?
First, assess your current spending habits. If a significant portion of your expenditures goes to office supplies, consider other cards that might serve your needs better. For example, the American Express Business Gold Card offers 4x points on the two categories where you spend the most each month, including office supply stores. This could be an ideal alternative for those impacted by the Chase Ink Plus changes. Additionally, consider the Capital One Spark Miles for Business, which earns 2x miles on every purchase, giving you a flat rate that is still competitive.
Moreover, if you already have multiple cards in your wallet, now is the perfect time to revisit your rewards strategy. The SuperPay app can assist you in optimizing your credit card usage to ensure you're always using the best card for each purchase category. For instance, its Smart Card Picker feature allows you to see which card offers the best rewards at any given store, helping you to adapt seamlessly.
Time to Act: New Card Opportunities
If you're considering applying for a new card, now is a crucial moment. The American Express Business Platinum Card currently offers a welcome bonus of 120,000 Membership Rewards points after spending $15,000 in the first three months. This type of offer can provide a substantial jump-start to your rewards portfolio, especially as you prepare for the changes coming with the Chase Ink Plus.
Leverage SuperPay for Effortless Optimization
Navigating these changes can be daunting, but SuperPay simplifies the process. With features like Category Tracking, you can automatically monitor rotating bonus categories so you never miss out on high earning potential. This tool will keep you informed about new offers and trends, ensuring you’re always maximizing your rewards.
Take Control of Your Rewards Strategy
As the credit card landscape continues to evolve, it’s essential to stay informed and proactive. Don’t let the changes to the Chase Ink Plus card catch you off guard. Download SuperPay on the App Store and start optimizing your rewards today, or try PRO+ free for 7 days and unlock your personalized Rewards Roadmap to maximize your card usage effectively.