I know
@miztressuz gave you an excellent explanation. I'm going to follow up with food for thought on the three cards for any who are not comfortable going for multiple business cards with Chase, slower paced churners etc. If I were below 5/24 and starting out again I'd be of two minds on choosing which business card with Chase. I'd be torn between the highest sign up bonus and the card I know will earn me the most UR points long term. I am gathering from your post that cash back is more important to you than travel redemption or points that can be transferred to airlines and hotels. Generally, I am the polar opposite but let's assume for a moment that cash was king for me and my only travel is to WDW which I do not need airline tickets for since it is a 3 hour drive.
CIC 5x Office Supply Stores, internet cable phone, 2x gas, dining
CIP 3x Travel, Shipping, internet, cable, phone, advertising social media
CIBU - 1.5x
In a perfect world I would go for the CIP for the higher bonus and PC to the CIC after one year. BUT with the knowledge that Chase eliminated the Chase Ink Plus card which has the same bonus categories I'd be afraid that the CIC's current form may be on the chopping block. If I were more conservative minded and wanted to have a card to keep as a UR earning machine I'd be going for the CIC. The bonus categories would earn me more long term than either CIP or CIBU. I'm going to use a few examples with just my WDW expenses that do not involve flying anywhere so we don't offend the Plane Princess' sensibilities who is known to lurk here from time to time
DVC annual dues on 1300 points is about $8,000 a year.
DCL 3 day over a long weekend cruise $1500. Annual Platinum Plus Passes renewal about $1400 for the 2 of us. Cable, internet, phone $4000 a year give or take. Gas $2,000 a year give or take.
Office supply stores sell Disney gift cards. They also sell gift cards for many other 3rd party merchants so you can wind up earning 5x for much of your everyday shopping by making a quick pit stop at the office supply store.
CIC is going to earn me 78,500 UR points every year with no annual fee
CIP is going to earn me 44,700 in bonus categories with an annual fee of $95 which means I need to subtract that amount to cover the AF so 35,200 UR
CIBU will earn me 25,350 for the same amount of spend.
If I subtract the 35,200 from the 78,500 the CIC's earning potential covers the extra 30,000 UR points that you'd give up for a sign up bonus over the CIP.
I know our WDW expenses are not the norm but I think the example can help others look at their own expenses and spending patterns, what gift cards they may make good use of at the office supply stores and evaluate their choices that way. I hope this helps