Ink Is Beautiful: 12 Reasons You Should Have A Chase Ink Card

Update: The Ink limited time offer will end on Sunday, 06/01. Grab the limited time offer while you can, the last time it was offered was a year ago so it probably won’t return for another year.

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The Chase Ink cards are some of the most powerful tools in any mileage junkie’s arsenal.  They are truly a must-have.

-Chase Ink Plus Card Linky
-Chase Ink Bold Card Linky
-Chase Ink Cash Card Linky

Many people don’t even realize that they can get a business card. If you or your spouse own a business, even if it’s not your primary source of income, or even if you are just in the planning stages of a business, you can get a business card.  For example if Joe Smith sells items or wants to start selling items online and wants a credit card to better keep track of business expenditures he can open a business credit card for “Joe Smith Sole Proprietorship” as the business name. You don’t need to file any messy government paperwork to be allowed to do that.
Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field as well as in the social security number field.

Here are some of the reason that Ink Is Beautiful:

1. The signup bonus.
For a limited time only the Ink Bold and Ink Plus offer an extremely generous 60,000 point signup bonus for spending $5,000 in 3 months.  The $95 annual fee on those cards is waived for the first year.

If you are approved for an Ink card, you will get the signup bonus even if you have had an Ink card in the past, simple as that.

You can also have the same Ink card at the same time for different businesses, each with their own signup bonus.

If both spouses are involved in the same business, they can each apply for their own card and they will each get the signup bonus.

The Ink Cash card has no annual fee and for a limited time only has a 30,000 point signup bonus for spending $3,000 in 3 months. It says $300 cash back but that’s just because you can use the 30,000 points for $300 cash back. I sure hope you don’t.

The Ink Plus and Ink Cash cards are credit cards that can be paid off over time if needed.  The Ink Bold is a charge card that must be paid off in full monthly.

2. 5x points on telecom.
You’ll earn 5 points per dollar on internet/cable service and landline/cellular purchases.  That’s a nice rebate when you purchase a new cell phone and off your telecom/internet bills.

3. 5x points on office supplies.
You’ll earn 5 points per dollar at office supply stores.
Office supply stores like Office Max, Staples, and Office Depot sell gift cards to hundreds of other stores. You can click here to view a list I compiled last year.

By buying gift cards you can get 5 points per dollar at hundreds of places you shop at anyway, including Amazon, Bed Bath & Beyond/Buy Buy Baby, Marriott (You can even use these to cater a wedding!), Nordstrom, Southwest Airlines, Starbucks, Whole Foods, and hundreds of others.

Plus Office Max and Staples accepts credit cards for Visa prepaid gift cards.  Even when there isn’t a sale the 5 points per dollar easily is worth more than the $6.95 fee on a $200 gift card.  But they often go on sale where they sell them for less than the $200 face value AND you get the 5 points per dollar.  They can be loaded onto Bluebird , Evolve Money, or just used anywhere you shop and you’ll still come out ahead.

You can buy the $200 Visa gift card from Staples here.

On the Ink Plus or Bold card you can earn 5 points per dollar on up to $50,000 of spending per cardmember year per card.
On the Ink Cash card you can earn 5 points per dollar on up to $25,000 of spending per cardmember year per card.

4. Earn 5x points on Charity and Gifts.

Your local school or other charity will be more than happy to accept donations of Amazon gift cards for supplies or any other useful gift cards for chinese auctions, raffles, fundraisers, etc.

They will give you a tax deductible receipt for the full face value-the price you paid for the gift cards.  And at the same time you’ll earn 5 points per dollar.  So while doing good you can still get a nice chunk of points and you’ll save on your taxes.  Sounds like a win-win-win to me.

You can also gift a useful gift card as a gift. What Bar Mitzvah kid wouldn’t want an Amazon gift card to buy whatever they really want instead of what you might think they want? Plus you’ll get 5 points per dollar!

5. Cash back on top of points.

Ink cards used to be issued as Mastercards though now all Ink cards are issued as Visa cards.

Programs like Mastercard Easy Savings and the Visa Savings Program offer cash back on top of points at select stores just for registering your card.

For example with an Ink Visa you’ll get an additional 1% cash back on top of 5 points per dollar every time you spend $200 or more at a Staples store or online.  That makes gift cards even more lucrative!

With Visa you’ll also earn 1% cash back at Chevron, and Texaco, 2% cash back at TigerDirect, 4% cash back at Alamo and National, 5% cash back at Lenovo, Sony, and several hotel brands, etc.

With Mastercard you’ll 5% cash back at Avis or Budget and cash back at 19,000 participating gas stations nationwide on top of 2 points per dollar.

6. Double point categories.
The Bold and Plus cards offer 2 points per dollar for spending on gas and hotels.
The Cash card offers 2 points per per dollar for spending on gas and dining.

7. Free lounge visits.
The primary cardholder and additional cardholders (which are free!) can each get a free Lounge Club membership that allows access 2 free lounge visits per year.

There are participating lounges all across the globe.

A recent addition to Lounge Club is the new Art & Lounge in Newark. That lounge is intended for use by El Al business and first class passengers and offers kosher food.

8. No foreign exchange fees.

The Ink Plus and Ink Bold cards have no fees for using their cards when abroad. Just opt to pay in the local currency and you’ll always get the best exchange rate with no fees.

9. Spending won’t hurt your credit score.
The really great thing with these business cards is that they don’t report your spending on your personal credit report.

On personal cards if you spend money on your card, your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card before your statement is generated to avoid that, but that takes a lot of effort and laying out money well before you have to. Additionally it’s good to have the statement close with a few dollars to show the card is active and being paid every month.

On an Ink business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That makes life a lot simpler.

Plus if you close a business card it won’t ever have an effect on your score.

10. A year of 0% APR

The Ink Cash card offers a full year of 0% APR on purchases and balance transfers.  So do many other cards.  The difference is that because spending on the Ink cards won’t show up on your credit report (unless you’re delinquent), carrying a balance on an Ink card won’t hurt your credit score like it will on other cards.  The 0% APR is just icing on the cake.

Note that there is a one-time 3% balance transfer fee. If you want a card with 0% APR and no fees for balance transfers you’ll want to look into Chase Slate which gives 15 months of 0% APR. However that is a consumer card, so carrying a balance there will hurt your score.

11. The Chase Trifecta.

Years ago I coined the term “Chase Trifecta.”

It refers to having a:
-Chase checking account
AND
-A Chase Freedom card
AND
-Either a Chase Sapphire Preferred card, a Chase Ink Plus card, or a Chase Ink Bold card.

The reason is that the Chase Freedom is a very generous no annual fee card thanks to its rotating 5 point categories (such as gas stations, restaurants, etc).  Plus if you have a checking account you’ll even get an annual 10% bonus making those 5.5 point categories and making all purchases earn 1.1 points per dollar.

The problem is that Chase Freedom points can’t be transferred into much more valuable airline miles and hotel points.  To rectify that either you or your spouse has to have either a Chase Sapphire Preferred card, a Chase Ink Plus card, or a Chase Ink Bold card.  That way you can transfer the Freedom points to one of those cards and from there into airline miles or hotel points.

12. Chase UR points are still awesome.

Chase Ultimate Rewards offer instant and fee-free transfers to top-notch mileage and points programs at a 1:1 ratio.

Transfer partners include:
-Singapore (Star Alliance) offers private walled-in first class suites that can only be booked with their miles. A suite one-way from JFK to Europe is 57,375 miles. Travel to the US48, Hawaii, Alaska, Europe, and Israel can all be had on the cheap. There are no close-in booking fees and changes and cancellations are very cheap. Fuel surcharges apply when flying on most airlines besides United. More info here.
-United (Star Alliance) is still an excellent currency, even after their devaluation a few months ago.  They never charge fuel surcharges, have very flexible routing rules, they allow one-way awards for half the mileage, they have short-haul awards for 10,000 miles, they allow for a stopover and an open-jaw so that you can really maximize a single award ticket into several free trips, and they have dozens of partners to fly on, most of which can be booked on their website.
-British Airways (OneWorld) is awesome for short-haul awards. Just 9,000 miles for a round-trip zone 1 or 15,000 miles for zone 2 short-haul award. The zone 3 award for 25,000 miles round-trip can also be a bargain, for example for flights between the west coast and any of the Hawaiian islands or between Boston and Ireland with no fuel surcharges. Flights to Israel on USAirways or Air Berlin are just 60,000 miles with no fuel surcharges. They allow one-way awards for half the mileage. There are no close-in or expedite fees. You can cancel an award for as little as $2.50. Infants are only charged 10% of the miles on international trips instead of 10% of the full fare like US carriers charge. Plus they don’t collect fuel surcharges on AA within the western hemisphere, on Qantas within Australia, on USAirways, Air Berlin, Aer Lingus, Alaska, or LAN and you can transfer points to Iberia to limit fuel surcharges there as well.
You can read more in the BA knowledgebase. And you can see 102 places you can go to nonstop from NYC with Avios.

Don’t forget about these 22 things to keep in mind when using Avios!
-Korean (Skyteam) offers unbeatable first class availability (A380 First Class Trip Report here) and they also have true bargains on partner travel, just 30,000 miles to fly round-trip on Hawaiian or Alaska to Hawaii in coach or 60,000 miles in first. And it’s just 20,000 miles to fly to Alaska in coach or 40,000 miles in first. You can even get a free stopover on the way to or in Alaska!
-Southwest offers a value of about 1.7 cents per point towards award travel.  Plus you get 2 free checked bags, free flight changes or flight cancellations. and you can even get a point refund if the price of your flight goes down. You can also transfer points to Airtran for flat-rate awards like business class upgrades or free tickets at a flat rate instead of a rate that corresponds to the ticket price. From Airtran they can even be converted back into the old Southwest program that also offers flat rate awards.
-Virgin Atlantic has some niche uses with awards on Delta and Cyprus Air.  For example a round-trip from Tel Aviv to Cyprus is just 5,000 miles!
-Hyatt is a powerful hotel currency. They have added a new cash and points option that offers some excellent values and more importantly those stays earn points, elite stay credits, promo credits, and you can use suite upgrades on cash and point stays as well.  It remains far less expensive for high-end hotel stays than any other hotel program, a $1,500/night villa at the Park Hyatt Maldives would run just 25,000 points or 12,500 points+$150.
You can also funnel points through Hyatt to Southwest to qualify for a free Southwest Companion Pass which gives you a free companion every time you pay for or redeem for a free ticket.
-You can also transfer points to Marriott, Ritz Carlton, Priority Club, and Amtrak. I’ve never been on an Amtrak in my life, but some people have reported getting some really nice bargains on Amtrak travel via their program.

The beauty of miles over points or cash-back:
The great thing about being able to transfer points into airlines or hotels are the incredible values you can attain.
-A first class ticket to Hawaii can cost $3,000 but you can use 60,000 miles for that same ticket, a value of 6.7 cents per mile. If you were using Capital One points you would need 300,000 points per ticket.
-A last minute ticket or a ticket where you don’t stay for 3 nights from New York to Detroit costs $1,500 in coach but just 9,000 miles. That’s a value of 16.7 cents per mile. If you were using Capital One points you would need 150,000 points per ticket.
-A first class ticket to Asia can cost $27,000 but you can use 135,000 miles for that same ticket, a value of 20 cents per mile. If you were using Capital One points you would need 2,700,000 points per ticket.
-A night at a Park Hyatt in Paris, Sydney, or the Maldives can run $1,500 with tax but you can use 25K-30K points for that room, a value of 5-6 cents per point. Or you can use less points and get even better values with cash and points. If you were using Capital One points you would need 150,000 points per night.
And that’s all besides for the fact that getting a Capital One card costs a minimum of 3 credit pulls whereas you can get several Chase cards with just 1 credit pull.

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123 Responses to “Ink Is Beautiful: 12 Reasons You Should Have A Chase Ink Card”

  1. Isaac Says:
    1

    can we merge ink and sapphire points?

    ReplyReply
  2. @Yehuda Says:
    2

    Inks sounds fascinating, but I can give 12 reasons why you won’t get approved for them, too.

    ReplyReply
  3. Dovid Says:
    3

    If I get the Ink Bold or Ink Plus and get the 60,000 point bonus, can I transfer that into 60,000 Southwest Rapids Rewards points?

    Also, could you do a post at some point about the basics of point transfers (how transferring works, what is and isn’t transferable, etc.)?

    ReplyReply
  4. samuel Says:
    4

    Thanks Dan!
    If I’m only an aditional on someones ink, and I’m. Flying myself. Do I get access to those lounes even wihout the primary cardholder being there?

    ReplyReply
  5. Travelfusion Says:
    5

    Except that now given all the attention to the ink cards, shopping portals are no longer offering cash/points back on purchases through Staples.

    ReplyReply
  6. Joer Says:
    6

    So let’s say I get the business card ( by saying I’m gonna open a business soon) but I never end up doing it…what happens?

    ReplyReply
  7. eds Says:
    7

    Now that Staples has pushed the $200 GCs via online sales, it won’t be long until Chase looks at either changing the bonus to something like 2X or lowers the yearly spend to 10 or 20K. Staples has already starting killing off portal points and cash back on GCs. Let’s see who blinks first, Chase or Staples.

    ReplyReply
  8. Anonymous Says:
    8

    dan this is all great but as you know chase business recon has become extremely stingy in the last 6-8 months with approving cards especially when they see we have other cards or we are trying to churn. I hucad last time 3-4 times but no success on a second card. They were aggressive attacking me etc..Why now are they doing this?

    ReplyReply
  9. Shmueli Says:
    9

    Good morning Dan. Do they do a personal credit pull if you apply for a business card?
    Thx

    ReplyReply
  10. EJB Says:
    10

    @@Yehuda:

    Let’s go:
    1.
    2.

    ReplyReply
  11. Diva Says:
    11

    In your opinion is it easier to get approved for Ink Cash than it is for Bold & Plus?

    ReplyReply
  12. abraham Says:
    12

    I did the whole sole proprietorship thing that u said and still got denied. And my fico score is 784. Also, can I transfer my sapphire to freedom to get the 10% bonus and then back to sapphire?

    ReplyReply
  13. Dav Says:
    13

    @Isaac:
    Yes you can merge ink and sapphire points.

    ReplyReply
  14. Dav Says:
    14

    @Dovid:
    Yes it could transfer to Southwest Rapid Rewards points, but you should rather get a southwest credit card to get that points.

    ReplyReply
  15. Dav Says:
    15

    @samuel:
    yes all card holders get a lounge card you just have to apply for it.

    ReplyReply
  16. David Says:
    16

    Dan,

    Would being a speech therapist working with an agency be enough to be considered a sole proprietor?

    ReplyReply
  17. Dav Says:
    17

    @Joer:
    well after a year that you have the card and didn’t open up your businesses at the end then they will let you close your card with no problems, :)

    ReplyReply
  18. Anonymous Says:
    18

    What do I fill in for income if I have not yet began my business?

    ReplyReply
  19. Al Says:
    19

    The Wal-Mart kiosk is not letting me load the $200 Visa GCs onto Bluebird. I have to go to MoneyCenter and it’s a pain doing $200 at a time. Can you tell them you want to load $1000 and then swipe 5 x $200s or do you have to load $200 at a time. The cashiers don’t like that.

    ReplyReply
  20. Al Says:
    20

    @Yehuda, you are right. If you are a sole proprietor, Chase has really tightened up business approvals. Unless your business has a separate ITIN or is a separate entity good luck getting a INK card if you claim you sell widgets or whatever.

    ReplyReply
  21. Math Whiz Says:
    21

    @Anonymous: $0

    ReplyReply
  22. Math Whiz Says:
    22

    @Al: You used to be able to tell them to do 5 at a time but the new limit is 3 cards per transaction so tell them $600 (3 $200 cards) and then $400 in another transaction. By the way you don’t need to go to the Money Center. You can do it at any Cashier.

    ReplyReply
  23. Ba Says:
    23

    Great rates for tickets, but need to call in, on hold for 2 hours, agent does not know how to find a ticket, get disconnected, do it over 5 times , waste days and at the end still no ticket.
    Same story domestic or international. No luck.

    ReplyReply
  24. Brezch Says:
    24

    Please help! I tried a 2BM for ink plus and bold and both came back as pending approval. What’s my next step? And if I have to call, how do I explain both applications? TIA.

    ReplyReply
  25. Bk travel Says:
    25

    Dan,

    When you downgrade from sapphire preferred to freedom, and have multiple freedom cards.. Are the freedom cards all under your name or under your different businesses? How many freedom cards can you have under your name? Looking at getting an ink card but don’t want to give up sapphire before I have an ink.

    Thanks for all your hard work!

    ReplyReply
  26. Dan Says:
    26

    @Isaac:
    Yes.

    @@Yehuda:
    Sounds like you should take a course in how to shmooze ;)

    @Dovid:
    Of course.

    @samuel:
    You can get your own membership card.

    @Shmueli:
    Yes, but spending won’t show up, so that’s beneficial.

    @Diva:
    I don’t think there’s a big difference.

    @abraham:
    Then you need a Recon lesson.

    @David:
    Why not?

    @Anonymous:
    The amount you project.

    @Al:
    Limit is 3, but they have to know how to key in a split tender.
    Evolve is easier.

    @Al:
    Might be tougher than the good ole days, but that’s simply not true.

    @Ba:
    http://www.dansdeals.com/archives/43916

    @Brezch:
    Call for one. Or SM.

    @Bk travel:
    Freedom and Sapphire are consumer cards, they are all in your name.
    There isn’t a limit.

    ReplyReply
  27. abraham Says:
    27

    so can I have recon lesson?

    ReplyReply
  28. Dan Says:
    28

    @abraham:
    http://www.dansdeals.com/archives/29113
    http://www.dansdeals.com/archives/16036

    ReplyReply
  29. Fred Says:
    29

    Hi Dan,
    which one of the Ink cards do you recomend we should get?
    thanks!!

    ReplyReply
  30. nordtroms returns for MS Says:
    30

    ASKED NORDSTROMS RE ON CHAT REGARDING RETURNS TO A DIFFERENT CC-
    Hilary A: I am not able to speak on the stores behalf. However, they may be able to issue the credit to another card.
    Hilary A: No problem at all.

    ReplyReply
  31. high end hobo Says:
    31

    Does the cash card offer lounge passes as well? i don’t see that wriiten anywhere on the signup page

    ReplyReply
  32. Anonymous Says:
    32

    @Dav: Cept the southwest card costs $. And ink is free the first year and higher sign op up bonus

    ReplyReply
  33. Joe Says:
    33

    whats the easiest way to cash the staples visa cards to pay the bill?

    ReplyReply
  34. Eli Says:
    34

    I know I’ve seen it in a post in the past. I just can’t find it now…. I hav an ink card. How do I get the 1 time lounge pass? And wen I get it. Is it instant, like online or a code, or they send something in the mail. Thnx

    ReplyReply
  35. yanki Says:
    35

    Re: credit pull:
    Chase now pulls a credit report to your personal SS for each request even if its a 3bm. Happened to me, and reconsideration dept. confirmed that with me.

    ReplyReply
  36. Eli Says:
    36

    @Joe: blue bird. Limit $1000/day. $5000 a month.

    ReplyReply
  37. Dan Says:
    37

    @Fred:
    I have several of each.

    @high end hobo:
    Yes.

    @Joe:
    http://www.dansdeals.com/archives/43596

    @Eli:
    https://www.loungeprogramenroll.com/inkcard/

    You can call Chase to get the invite code.

    @yanki:
    If you recon on the same day that you applied, the pulls should be auto-merged.

    ReplyReply
  38. Mikey Says:
    38

    Are all business cards similar(like amex gold) that you could spend up to your limit and it wont hurt your credit ?…thanks

    ReplyReply
  39. Shmu Says:
    39

    @Dan: My mortgage company charges their online payment thru Western Union Speedpay which you can use your bank account or debit card to make payment. Would you know if I can use the Ink card there for payment? would it be considered as a cash advance and would i receive reward points for it?

    ReplyReply
  40. Anonymous Says:
    40

    @Dan:
    :) But seriously, business recon is much harder than consumer.

    ReplyReply
  41. Tzvi Says:
    41

    Cab anyone explain to me how one books a USAirways or Air Berlin flight via Avios? I am simply new to this… I have 60,000 miles from my Ink card which I can transfer to BA… then what?

    Thanks.

    ReplyReply
  42. koshergourmetmart Says:
    42

    is this really true? Art & Lounge in Newark. That lounge offers exclusively kosher food? has anyone been?

    ReplyReply
  43. Dan Says:
    43

    @Mikey:
    Depends on the bank. Theoretically you can with AMEX, but maxing out an AMEX credit line is a sure way to get hit with a financial review.

    @Shmu:
    Why not use Evolve to pay it?

    @Anonymous:
    True, but plenty have success.

    @Tzvi:
    http://www.dansdeals.com/archives/43916
    http://www.dansdeals.com/archives/32467
    http://www.dansdeals.com/archives/24308
    http://www.dansdeals.com/archives/42668

    ReplyReply
  44. @Yehuda Says:
    44

    @Dan:
    Whoops that wasn’t anonymous, was me.
    Can you offer a suggestion for how to respond to the classic rejections (and yes, offering to close 3 cards to get 1 new one approved didn’t work either)?
    9 months as a Chase customer is not enough time to show payment history, 7 Chase cards is enough, 14 overall new cards on credit report seems like plenty of credit, even actually being able to prove the biz (that got its first card with $0 profit) has made a $2000 profit recently wasn’t good enough for them…

    ReplyReply
  45. adam101 Says:
    45

    @dan thanks a ton. I used your link to get approved for a Ink Plus and a Southwest card. As you said i can transfer through Hyatt to SW towards a companion pass. My question is do I need a Hyatt card to transfer from Ink to Hyatt to Southwest or do O just need an account on Hyatt.com to make the double transfer?

    ReplyReply
  46. Shmu Says:
    46

    @Dan: Regarding Evolve. It says that there is a limit of $1000 per day and my mortgage payment is a bit more than that. Are there other ways to pay the mortgage and getting points while doing so?

    ReplyReply
  47. Brezch Says:
    47

    @Dan: How can I SM a recon without having an account?

    ReplyReply
  48. Brezch Says:
    48

    @Shmu: Depending on your bank, you can make multiple payments and have them consolidated toward your monthly payment. You need to contact your bank about it. For example, I called BOA and they told me that they accumulate all payments made up until the payment deadline and apply the total to the monthly payment.

    ReplyReply
  49. Shmu Says:
    49

    @Brezch: Was just thinking about that, I will call to verify. Thanks!

    ReplyReply
  50. Anonymous Says:
    50

    @Eli: what do you do past the $5000 mark?

    ReplyReply
  51. sam Says:
    51

    what is the min. credit score needed to get approved?

    ReplyReply
  52. Tzvi Says:
    52

    Thanks Dan, I will try to digest those links slowly! I really appreciate it. I spent a good part of the day yesterday trying to get a better understanding of how this miles things works as I am considering a flight to Israel and have some miles to play with. The more you play the clearer things become…

    ReplyReply
  53. Yaakov Says:
    53

    Regarding point #8 above:
    I work in the foreign currency market so I am in particular tune with the exchange rates. In the past I understood the policy of the no-foreign-transaction-fee credit cards to be as Dan tells us in #8. However in recent months I have been noticing that the amount I’ve been getting charged in dollars for purchases in foreign currencies (I have lots of such transactions) has been notably higher than it should have been. Last week I called Chase to clarify the policy and here is what they told me. A transaction made in a foreign currency is converted by Visa at the wholesale market exchange rate + a fee of 1% incorporated into the rate. They do not consider this a “foreign transaction fee”. Cards which charge a foreign transaction fee do the same thing and then add 3% (or however much on a specific card).

    ReplyReply
  54. JamesIV Says:
    54

    Is the Visa Savings Program only for business Credit Cards?

    ReplyReply
  55. Anonymous Says:
    55

    Where doeas chase pull from for Business card apps from NY applicants?

    ReplyReply
  56. Ba Says:
    56

    Dan, read those links. Still can’t find availability Tlv-NYC w any combination on line and impossible to reach them. And when u finally do they can’t find either. Flex dated in May or June . One way one ticket. Sleep over in Germany not an option. Thoughts?
    Ba to bos cheaper than phl?

    ReplyReply
  57. Joe Says:
    57

    How do i transfer ink points to Hyatt and what about redeeming for a Hyatt stay using Ink Points

    ReplyReply
  58. moshe Says:
    58

    Dan between the CHase cards which are best for mileage, the Ink, Freedom or Sapphire, you recommend em all! i dont want a million cards i just got three Amex using your 3B method (thanks!) plus one for my wife…but not everyone takes amex…pls advise

    ReplyReply
  59. Hesderguy Says:
    59

    @Dan:
    The Invite code is CHASEINK – all caps

    ReplyReply
  60. adena Says:
    60

    Question for you dan.ive been with HAs advantage since its beginning in order to get mileage for Israel but you know where that got mine. Ive read through some of your articles on credit cards and it sounds like my best bet is to go with a chase card bit I’m confused which one i many best best bet?inky?saphire? We spend roughly 2000 a month on it

    ReplyReply
  61. Eli Says:
    61

    U wrote that u cud book Tel aviv to Cyprus with virgin Atlantic… I Dnt c how this is possible on their website.. Do I need to call?

    ReplyReply
  62. Eli Says:
    62

    @JamesIV: yes

    ReplyReply
  63. Dovid Says:
    63

    @Dan:
    Yeah I realized after that you said it straight up in the post. I guess my question really is if I’d be able to combine those points with the 50,000 Southwest bonus points to get a free companion ticket.

    ReplyReply
  64. mommafrica Says:
    64

    Hello. I have the Sapphire Preferred. What I would like to know is if I can change it to a business card? If so, how and how hard would it be to do so?

    ReplyReply
  65. Sasha Says:
    65

    As a datapoint, wanted to confirm that I signed up for a second Ink Cash card (1st was Mastercard, this is Visa) right before the 30,000 UR offer came on. I only got a 20,000 offer. They were very courteous and gave me the 10,000 UR once I met the spending threshold!

    ReplyReply
  66. Mark Says:
    66

    Are there any cards That would benefit using for Charity, Dinner adds, Schools?

    ReplyReply
  67. Joe Says:
    67

    Should I call right after applying to see if I was accepted or not?

    ReplyReply
  68. j Says:
    68

    Citi AA 100k offer ends 5/31

    ReplyReply
  69. david Says:
    69

    I already have an Ink Plus and Ink Bold, they’re about a year old, Can I apply again and get the bonuses? will they honor the bonuses a second time and will they let me have 2 each of the same cards? (when i had a sapphire pref MC, they instantly denied me getting a SP visa because i already had the product, so are they strict about having more than one ink?)

    ReplyReply
  70. Eli Says:
    70

    @Anonymous: amazon payments. And if need b can always buy $ orders at Walmart for ¢70

    ReplyReply
  71. Anonymous Says:
    71

    Dan I see a lot of people recommending calling on the day of application even for 2/3/4 BM to avoid another pull. Do you recommend that or do you think maybe better to see which card is approved and them map out strategy and then call Recon? I thought anyway if you call within 30 days of application they use first pull?

    ReplyReply
  72. david Says:
    72

    @david: i should add that both my Inks are MC and now they give Visa (even though that didn’t stop them denying my second SP)

    ReplyReply
  73. Dav Says:
    73

    Dan if you have 2 bolds and 2 inks with different business names would you get the signup bonus on all 4?

    ReplyReply
  74. Dan Says:
    74

    @adam101:
    No need for a Hyatt card to do that.

    @Shmu:
    Pay it over 2 days? Or from your spouses account?

    @Brezch:
    You have no chase accounts at all?

    @JamesIV:
    Yes.

    @Joe:
    Online or call.

    @moshe:
    They’re all great cards :)

    @adena:
    Any will be better than HAS.@mommafrica:
    You can’t.

    @Sasha:
    As long as you’re approved you’ll get the points.

    @Mark:
    Any good card will be good for that as well.
    I did have a suggestion in this post though for charity.

    @Joe:
    Different schools of thought, both with valid arguments.

    @j:
    I doubt that.

    @david:
    As long as you’re approved you’ll get the points for Ink.

    @Anonymous:
    YMMV. Calling the same day just makes another pull less likely.
    But some people might get denied who would have been approved by waiting.

    @david:
    If you are approved you’ll get the points.

    @Dav:
    Yes.

    ReplyReply
  75. Dav Says:
    75

    @david: If you are approved for an Ink card, you will get the signup bonus even if you have had an Ink card in the past, simple as that.

    ReplyReply
  76. Joe Says:
    76

    I called and got accepted.
    Thank you!

    ReplyReply
  77. Anonymous Says:
    77

    @Dan: Citi is replacing the offer with 75k for 7.5k spend and $100 credit

    ReplyReply
  78. Ezra Says:
    78

    Hi Dan ,,
    first thanks for all your great work ,,
    I have applied for the ink card 3 weeks ago & I haven’t heard anything from them ,, any advice ??
    Thanks again .

    ReplyReply
  79. yl Says:
    79

    I have to put down a business name for the credit card (as it’s a business credit card). However, I don’t use credit cards for my business, so essentially, I would be using my business’s name, but using it for personal. Is that dishonest or it is not a problem as per Chase?

    ReplyReply
  80. Dan Says:
    80

    @Joe:
    Congrats!

    @Anonymous:
    They’ve always had 50k and 75k offers. Who said anything about one replacing the other.

    @Ezra:
    They’re very backed up because of this promo. You can always call, SM, or keep waiting.

    @yl:
    Why not use it for a business? Even if its not your primary business that’s fine

    ReplyReply
  81. Yisroel Meir Says:
    81

    @Dan,

    Just applied for an Ink card and was rejected for the following reasons:
    1. Too many accounts with balances
    2. Short credit history
    3. Too many credit inquiries
    4. Applied for a Chase card too recently (was accepted for that card)

    I know for the future that I have to be more on top of paying my accounts in full (minus $1-2) before the closing dates, but is there anything I can do/say to get this card before the promotion is up?

    Thanks

    ReplyReply
  82. raf Says:
    82

    Can one sign up for all three in one day, and how is this best done?

    ReplyReply
  83. Ezra Says:
    83

    tx for the fast respond
    what does SM mean , where should I call ?
    Thanks again

    ReplyReply
  84. rachel Says:
    84

    I have 6 INK (3 different businesses) bold and plus
    I really need a INK cash (o apr)
    can applying for too many cards in 12 months trigger a/a
    I do regular spending on it no shtick

    ReplyReply
  85. ygygold Says:
    85

    Dan, I dont think Evolve lets you do automatic payments

    ReplyReply
  86. dovid Says:
    86

    i know theres a 90 ish day period to wait between application do you know exactly how many days that is because i applied for a few cards about 3 months ago and wanna know if im ready to do another application

    ReplyReply
  87. Anonymous Says:
    87

    so if i lets buy $1000 worth of visa gc i wil get $50 back just for that? is there a minimum to start using youre cash like amex?

    ReplyReply
  88. Anonymous Says:
    88

    can i make a business and just use SP and use ss#?

    ReplyReply
  89. Rachel Says:
    89

    I have a Chase Ink Bold card with 90,000 points, Is there any way I can use these points for a flight to Florida or Israel?

    ReplyReply
  90. Evan Stall Says:
    90

    staples is sold out of $200 gc’s

    ReplyReply
  91. EandN Says:
    91

    Dan, thank you! we had a wonderful trip to Hawaii flying points with BA and staying free at Hyatts. You made the trip possible and affordable. regarding Ink, if we switch our existing Ink account from a MC to a visa will we get the sign up bonus?

    ReplyReply
  92. SAMMY Says:
    92

    Hi Dan, I have and amex gold card now that I use for my business and I collect close to 1 million points a year on it, what do you recommend I do with the points? and would you recommend i move to chase?

    ReplyReply
  93. Dan Says:
    93

    @Yisroel Meir:
    Every time you call, it extends the window to reconsider the app for another 30 days. Can keep doing it for months I suppose.

    Did you call/SM now though?

    @Ezra:
    http://www.dansdeals.com/archives/28466
    http://www.dansdeals.com/archives/29113

    @rachel:
    I’ve opened more than that without issue, YMMV.

    @ygygold:
    Therefore?

    @dovid:
    There’s no such rule.
    Lots of people get 2 or 3 cards approved on the same day.

    @Anonymous:
    5,000 points is worth much more than $50.

    @Anonymous:
    Why not?

    @Rachel:
    Yes.

    @Evan Stall:
    Buy it in a store if it says sold out online for you.

    @EandN:
    Great!
    You don’t get a bonus for switching, but you do get a bonus if you apply for another card.

    @SAMMY:
    Depends on your needs, where you’re based, where you want to fly to.
    But Chase UR cards are very valuable thanks to valuable points, big signup bonuses, and good bonus categories.

    ReplyReply
  94. sammy Says:
    94

    based in nyc, israel mostly but when I try to book a flight with my points on amex a $1500 flight is 1700 points. so I don’t think its a great exchange. right?

    ReplyReply
  95. j Says:
    95

    @Dan:
    http://www.emag-celebratedliving.com/spring_2014.html

    ReplyReply
  96. j Says:
    96

    page 91 of the above link shows citi offer expires 5/31

    ReplyReply
  97. Dan Says:
    97

    @sammy:
    If you’re just flying round-trip coach without stopovers then look into the Barclay Arrival:
    http://www.dansdeals.com/archives/43739

    @j:
    It’s a different link than the one I’ve been using. Also Citi offers seem to stick around long after expiration.

    ReplyReply
  98. Boruch Says:
    98

    Is there a huge difference between the Ink Plus or the Ink Bold? If you could choose one which would you choose?

    ReplyReply
  99. Lisa Says:
    99

    If I want to apply for a line of credit, will applying for these cards affect my application?

    ReplyReply
  100. Josh Says:
    100

    Dan, what’s the difference between Bold and Plus? they seem like exactly the same card…? thank you!

    ReplyReply
  101. Dan Says:
    101

    @Boruch:
    @Josh:
    The Plus has a real credit line, so that would be my first choice as it can be transferred to/from other cards.

    The Plus is a credit card that can be paid over time, the Bold is a charge card that must always be paid in full.

    @Lisa:
    When are you going to apply for the line?

    ReplyReply
  102. Peter Says:
    102

    Dan,

    How much with the Chase Slate hurt your credit score? From MS, I have about 30K that I can payoff, but if I can transfer it that’s a big win for me.

    I have about 60K worth of credit – would that be high utilization? 30-40k/80k? 37.5-50%?

    Thanks

    ReplyReply
  103. Peter Says:
    103

    Forgot to mention – I don’t need any loans or anything using my credit score but want a high credit score for continued churning.

    ReplyReply
  104. wiz23 Says:
    104

    if im just starting out with the MS game and want to try out chase, do you think the chase saphire is a good card to start with? 45000 or would you rather suggest one of inks -cash card
    bec again thats only 3000 thresh? thanks for all your great work!

    ReplyReply
  105. Anonymous Says:
    105

    @Rachel: Dan answered yes on your question, but if you want more details depends where your located.

    ReplyReply
  106. Anonymous Says:
    106

    if i get ink cash and i buy $1000 worth of gc in staples i get $50 back with 5% but if i get pints card i get 50 ponits back with 5% isnt the cash of $50 worth more then 50 points? and how long does it take for the 5% bonus to post?

    ReplyReply
  107. Eli Says:
    107

    The visa gift cards appear to be out of stock on the staples website.

    ReplyReply
  108. yanky Says:
    108

    link is not working. it says application pending whem clicked

    ReplyReply
  109. sholi Says:
    109

    is the $200 visa card sold at Walmart, loadable onto Evolve?

    ReplyReply
  110. Sam Says:
    110

    If I can’t fit my full name name followed by Sole Proprietorship do u think its acceptable to write my initials – s z Sole Proprietorship? Thanks

    ReplyReply
  111. bob Says:
    111

    STAPLES no longer carries 200$ gift cards I guess staples bowed to chase it was nice while it lasted

    ReplyReply
  112. Lisa Says:
    112

    Would like to apply for line of credit in about two months or so.

    ReplyReply
  113. MIchael Says:
    113

    I tried applying for the Ink Bold card. I was not outright rejected, however, I was not instantly approved either. After the application process I received the message, “Our goal is to notify you in writing within 10 days; however, in some circumstances it may take up to 30 days.” First time applying for a business card, but 3rd Chase card.

    Is this the standard process, or do I have to call a reconsideration line?

    ReplyReply
  114. Anonymous Says:
    114

    @bob: please see link http://www.staples.com/Visa-200-Gift-Card/product_64370

    ReplyReply
  115. sam Says:
    115

    Can you pay your chase ink cc bill through evolve? thanks guys!

    ReplyReply
  116. Jay Says:
    116

    Evolve Money no longer allows more than four payments per month on a given account (i.e., Quicken Loans).

    ReplyReply
  117. dvdf Says:
    117

    I failed to do my homework before signing up for ink plus. The intro period has passed and i did not make the spend threshold for the bonus (50k points) when I applied. (Don’t laugh)
    Any suggestions on somehow earning the bonus points now?

    ReplyReply
  118. mark Says:
    118

    Dan,

    It is time I get with the program. I fly at least 8 – 10 times a year, mostly within the US. I already have a Chase Freedom card, as well as a Delta Amex card (free checked bag alone pays for the card). Neither card can transfer points to Avios. I have a business and run at least 10k a month on my cards. What is the Chase card you would recommend right now to give me my best bang for the buck? Thanks…keep up the good work!

    ReplyReply
  119. Dan Says:
    119

    @mark:
    Ink Plus or Sapphire Preferred.

    ReplyReply
  120. Mark Says:
    120

    Dan,

    I was carefully reading the fine print on the Ink Plus. One of their “restrictions” reads;

    I agree this is a business account and shall only be used for business purposes and not for personal, family or household use.

    Does that mean there is a potential problem if I use it for groceries, clothing, etc? Have you ever heard of anyone having issues? The entire bill on my current cards gets paid from the company account; personal charges are taken as a draw. Would I be better off using the Freedom card for personal use and transfer the points over to the Ink Plus? I look forward to your sage advice!

    ReplyReply
  121. Dan Says:
    121

    @Mark:
    I’ve never heard of any issue, but if you have Freedom and checking then everyday purchases will get a 10% annual dividend, making spending on Freedom more valuable.

    ReplyReply
  122. Anonymous Says:
    122

    Thank you!

    ReplyReply
  123. friedman Says:
    123

    is there a way to get it if i dont have a buisness

    ReplyReply

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