Last Chance! Ending Very Soon! AWESOME! Earn A Record High 90,000 Points On The Excellent No Annual Fee Chase Ink Unlimited Card!

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Update: This card offer will be ending soon, if you want to take advantage of the highest ever signup bonus for this card, do it now!

Ink Business Unlimited® Credit Card

Signup bonus:

The Chase Ink Unlimited Card is now offering a whopping signup bonus of 90,000 Chase Ultimate Rewards points for opening the card and spending $6,000 in 3 months. Those points are worth a minimum of $900 cash back, but they can be worth much more as shown below.

Also available is an identical bonus on the Ink Business Cash® Credit Card. You can read more about that card here.

The signup bonus is marketed as $900, but it will actually come in the form of 90,000 transferrable points which are worth $1,350-$1,800 when points are transferred into miles with the help of someone in your household having a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®or Ink Business Preferred® Credit Card.

After spending $6,000 anywhere, you will have 99,000 points, potentially worth $1,485-$1,980!

The end date for this offer is unknown.

If you signed up for this card in the past 6 months with a lower bonus, you can send a secure message from the Chase site or app to request a match to 90K points. 

Annual fee: 


Comparison to previous welcome bonus:

This card used to offer a 30K signup bonus, but most recently offered a previous high 75K points for spending $7,500 in 3 months.

The current 90K signup bonus is highest offer ever for this card!

Signup bonus terms: 

  • You might not be approved for this card if you have received a signup bonus on an Ink Unlimited card for the same business within the past 24 months.
  • If you are approved you will get the signup bonus.
  • You can get approved and get the signup bonus for this card for multiple businesses.
  • You can get approved and get the signup bonus for this card even if you have other Chase Ink cards.

How to apply, Business card and 5/24 info:

This is a business card, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. 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.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.

All Chase cards earning Ultimate Rewards are subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card. You can check your credit report for free at the federally authorized to check how many accounts are shows as being open in the past 24 months.

However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.

Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards 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 bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.

While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink cards are business cards, those balances won’t hurt your credit score! That makes the 0% APR on purchases for 12 months on a business card a very strong offer.

Card earnings: 

The Chase Ink Unlimited Card is marketed as earning 1.5% cashback everywhere, but it actually earns 1.5 Chase Ultimate Rewards points per dollar spent everywhere. As each point can be worth 1.5-2 cents each, that means you’ll actually be earning an effective 2.25-3% back everywhere!

Spend Threshold:

You’ll need to spend $6,000 on this card within 3 months.

You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

See this post for more ideas on meeting a credit card spend threshold.

0% APR:

0% intro APR on purchases within 12 months of account opening. After that, 17.49% – 23.49% Variable.

Other card benefits:

  • Primary rental car CDW insurance in every country, when the rental is for business purposes.
  • Primary rental car CDW insurance in every country outside of the US, when the rental is for personal purposes. Rentals without a business purpose in the US have secondary coverage.
  • Extended warranty adds a year of coverage, up to $10,000 per claim.
  • Purchase protection for items damaged or stolen within 120 days, up to $10,000 per claim.
  • Travel Accident Insurance covers $500,000 per person.
  • Lost Luggage Insurance covers $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics)
  • Baggage Delay Reimbursement covers $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours.

Increased points value:

You can cash out your points for 1% cash back. I hope that you won’t do that.

If you or someone in your household has an Chase Ink Preferred Card or Sapphire Preferred you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.

If you or someone in your household has a Sapphire Reserve you can get a value of 1.5 cents per point towards paid travel.

The Ink Unlimited card can’t transfer points directly into miles, but Chase allows you to transfer points to cards where they can be transferred into miles or redeemed for a greater value. My aim is to receive a value of 2 cents per point via transfers to miles and that makes the 2 point categories worth 4% back and the 5 point categories worth 10% back.

Pay yourself back

You can currently use Ultimate Rewards points to offset the following charges at a value of 1.1 cents per point:

  • Shipping
  • Internet
  • Cable and phone services
  • Charitable donations to select charities

Pay Yourself Back is now a permanent feature of the Ultimate Rewards program, though categories rotate

A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth even more!

Visa Savings Edge:

All Chase Ink cards are eligible for additional cash back via Visa Savings Edge.

That means you can earn points plus cash back at ParkWhiz, Budget, Chevron, AutoZone, Boost Mobile, MGM hotels, Wyndham hotels, and more.

Airline and hotel points transferability:

If you or someone in your household has a Sapphire Preferred, Sapphire Reserve, or Ink Preferred you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.

Product changes options:

You can call Chase to convert these cards or any of the following cards into another card from this list:

Note that some reps will only allow card conversions after you have had the card for 12 months.

Killer Combos:

Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.

Read more about this strategy in depth in this post.

This list will be customized for the Ink Preferred.

Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Chase Ink Unlimited Card. The total effective annual fees would be either $95 with Sapphire Preferred or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Sapphire Preferred+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel, 3.1 points per dollar on dining, streaming, and online grocery shopping, and 5.1 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points or use the pay yourself back feature.

Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.

Having all 3 Chase Ink cards means you can take advantage of bonus points on all purchases that you make while not having any effect on your personal credit.

Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.

Chase Quinfecta could add the Ink Preferred to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.

Alternatively, you can create a Chase Quinfecta by adding the Chase United Explorer cardUnited Club Infinite CardChase United Gateway CardChase United Quest Card, or Chase United Business Card into the mix. Those cards don’t earn Ultimate Rewards points, but it makes your Ultimate Rewards points more valuable. Having a United card enables you to have access to significantly expanded United saver and standard award space in addition to benefits like 2 free club passes, a free checked bag, a free carry-on bag, and priority boarding, even when you’re on a basic economy fare. See more about those benefits here.

Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!

Airline transfer partners:

You can transfer points at a 1:1 ratio to:

  • United (Star Alliance)
  • Air Canada Aeroplan (Star Alliance)
  • Singapore (Star Alliance)
  • Air France/KLM Flying Blue (Skyteam, 25% bonus through 5/15)
  • British Airways (OneWorld)
  • Aer Lingus (OneWorld)
  • Iberia (OneWorld)
  • Qatar (OneWorld, transfer via BA)
  • Emirates
  • JetBlue
  • Southwest
  • Virgin Atlantic

Hotel transfer partners:

You can transfer points at a 1:1 ratio to:

  • Hyatt
  • IHG
  • Marriott

The great thing about Chase Ultimate Rewards is how versatile and valuable they are:

The Ink Preferred and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.

The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.

The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points.

  • If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, ParisSydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
  • If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
  • Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
  • If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point
  • Flying Blue has award flights to Israel for 25K miles for adults or 18,750 miles for kids.
  • If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 110K or 120K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
  • If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
  • And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.

Dan’s Quick Thoughts

This is a shockingly generous offer for a card with no annual fee. Chase has lowered the spending required to earn the bonus and increased the bonus. That’s huge!

Best of all, this is an excellent card for everyday spending. It’s a business card, but most people out there can qualify for a business card.

Chase also has an identical bonus on the Chase Ink Cash Card. That card offers 2 of 5 points per dollar in bonus categories to quickly rack up Chase points. You can decide if you would rather have 2x-5x bonus category earnings or if you would rather have higher 1.5x earnings everywhere. Or best of all, you can try applying for both cards and get the bonuses for each card if you’re approved!

Will you signup for the Chase Ink Unlimited Card?

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341 Comments On "Last Chance! Ending Very Soon! AWESOME! Earn A Record High 90,000 Points On The Excellent No Annual Fee Chase Ink Unlimited Card!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.


How long have to wait after receiving a SUB before applying again for the same card?


Is there a reason to sign up for this card instead of the Ink Business Cash Card that also earns 5 points per dollar on Amazon?


applied, got review notice


called recon, approved! thanks!


Same here!


If I get approved, based on my legitimate sole proprietorship business, do the charges on the card have to be actual business expenses, or is it ok to use it for everyday household charges?


My replacement card came with language stating the card should not be used for personal and that their are different rules governing personal and business… but I have used for personal and has not been an issue


Credit score of 721, what are my approval odds? And will I get a lower limit because of the score or is 721 good enough?
I have a high balance on one card.


Does driving for Uber count as your own small business?


I have a (very) small eBay business. What will I need to show JPMC related to my business activities? Also, can I get the card if I have a personal Saphire card (to which I would want to transfer the points). Thanks Dan


i got denied after i called and told them i sell items on ebay. told me selling few items on ebay is like a hobby and not a business or a company and denied


I applied earlier in the week when it was 75k
Think they’ll give me 90 now?


Me too, does my spend get lowered to 6k or I still need to spend the 7.5k to get the points?


I called them and they said call back after spending 6k and they will honor the promotion. And she put a note on my account.


If I don’t have a business at all, I can’t open this as a sole proprietorship, correct?

double l

Thanks @Dan! I have a Sapphire Preferred 80k and United Business 150k bonus (thanks to you highlighting their deals) all opened this year with credit score in mid 600s but Chase banking history, Just saw your post about the Ink Cash, applied and got approved instantly. Should I also apply for the Ink Unlimited (same day so same hard pull) or wait some time before applying considering just got approved for the Ink Cash today? Also need to consider meeting both spend thresholds for sign up bonuses…



If I understood your TWO most recent articles correctly… the difference between Chase Ink Unlimited Card and Chase Ink Cash Card is that…

The Chase Ink Unlimited is 1.5% on every purchase
The Chase Ink Cash is 5% and 2% cashback on specific categories

Seems like the CIC would be a good fit to pay for expenses and perhaps the CIU for more everyday purchases like material goods.

If you were to pick one for a business which would you take?


Denied, called recon . Said will review . Here’s open it works out


See you write about matching the 90k. Are they also matching the spend requirement to only spend $6k and not $7.5k?


I have a “hobby” or a small out-of-the-house business, but they said the application is pending and asking for “Proof of legal name for business”…any idea how I provide them with something that they’s be ok with?


I would like to apply for this card(using your link of course) but don’t really have a business- 1- What should I put for authorizing officer title? 2- The tax id type should be SSN? In both sections of the application? 3- Do I need to enter annual business revenue? 4- What should the business type be?
Please excuse my ignorance, I’m fairly new to this and have never applied for a business card. Thank you very much!


Would anyone please be able to help out?


Just got approved! Thank you Dan. Hope you get your commission.


Got approved instantly!
Usually I needed to call and have them review and explain to the rep that some of the credit cards on my report are additional….
Thanks Dan!!!!
Waiting for that SMOKING HOT! deal on airline tickets 🙂


are there foreign transaction fees on both cards?


Spending 6k on the Ink Unlimited and receiving $990/99k points is 16.5% cash back/points on 6k spend.

For the Ink Cash it’s spending 6k and receiving $900-1200 /90k-120k points is 16-20% cash back/points on 6k spend.
Amazing for a no AF card.


If you transfer point from chase to southwest does that count towards companion pass?


Any similar deal brewing for a card with no foreign transaction fee, for us abroad?


Thank you! I have just been approved.


My husband applied and got an email that said they are reviewing and will let him know by mail within 30 days. Should he call the reconsideration line at this point or wait for the letter?


since when does chase do 2 hard pulls for application? they’re almost as bad as capital one. is why i love amex – they dont do any.


Got this: “We’ll let you know our decision in writing as soon as we can, and if you’re approved, you’ll receive your card in 7 to 10 business days.”
Anything I can do to help it get approved?


How do I add this new card to my business account online?


Is this a cash back card or points?

It’s saying Earn $900 Bonus Cash Back.



If I have this card from 4 years ago, can I apply for another one?
Will i get the 90K points for the second one?


I plan to get a loan/0% APR etc. If i’ll apply for this card How long will my scores be affected?


can this card be product change to the other ink card with bonus categories?


I applied and Chase sent me an email saying they are thinking about it. Can I and should I call them to try to expedite a positive answer.


Hubby is pre-approved for a Chase business credit card but does not have a business. How to proceed to get approved?


Hey Dan!

I have a chase ink business preferred, my annual fee of $95 just posted, I was going to downgrade to a no fee ink card. Is there a way for me to downgrade to the unlimited above and obtain the sign up bonus if I spend the $6000 in the next 3 months?


hey Dan I see you write all the time that chase business cards do not get added to your credit report and therefore not included in the 5/24 rule so I just applied for the 2 chase ink cards at once and got mess. that will receive answer in 7 to 10 days so I called the reconsideration number and they told me I reached my 5/42 limit and they went through all the cards with me over the phone but 2 out of the 5 cards are business cards one from chase and one from amex?


Is chase still enforcing the 1/30 rule for business cards?


I applied as a sole proprietor using my EIN number and my own name because I don’t have separate business name. They asked for documents stating my EIN number. I sent my IRS letter as well of few others. I got declined. Letter stated they suspect fraud and that someone else applied. When I called for reconsiderations they said the document wasn’t clear so I should resend perfect one. I did. Just got a letter declined. Same letter. Any thoughts? Idea’s?


Walk in to a Chase branch


Can I get a sign up bonus if I currently have the card (previous SUB more than 24 months ago)?


What is the likelihood of getting approved for a 2nd card for a different business if they’re both a Sole Proprietorship? If that’s possible, can I just write my name for both the business name & the name on card, just like the other 1 (& just change the business category)?


Does it have a currency exchange fee if I use it outside of the US?


Yes 3%


If I upgrade/downgrade from the cash card will I get another sign up bonus? If not how long do I have to wait!?


Had ink and downgraded
How can i know which ink I had ?
And date received sign up bonus ?
Need 24 month apart?
Any card is 36 months? Csr?


Can I sign up for this card even though I do not have a Business and I would like to just use it as my regular card ?? ( If yes how would I ? ) I am 19 and have a decent credit score.


Approved! Thanks Dan!

I got the notice that they’ll give me an answer in 3-5 business days, but it took 30 seconds to get the approval email, Baruch HaShem!


Thanks for all your great work!!

Im applying as a sole properthip using my SSN number..

when it asks when company established date
or Annual business revenue?

what should I write?


I have a business. I usually use my SS# for the business but I do have an EIN associated with the business. I am a sole prop. I am over 5/24. I have never applied for a CC using the EIN. Should I try to use it for this application?


wont I definitely be rejected if I use my SS# ? [a little over 5/24]


hey, i saw what you wrote about this card not showing on my credit score, does that mean it wont show as an additional line of credit? i have a handful of cards, and don’t want too many lines of credit


Dan, if I was rejected bec of low personal credit score is there any way around it if i need for legit business?


i have a reserve. if my wife opens this card how do u transfer points to my reserve


Applied, followed your instructions for sole proprietorship, “in review” with a promised response within 1-4 weeks. Called reconsideration, closed; will try again tomorrow. Fingers crossed!


Called this morning and was immediately approved! Thanks, Dan!


I recently received the 75000 point bonus. I called customer service to request the additional 15k. After a week i received this message- Update:
We applied the new bonus offer you requested to your account
Your account ending in ****
Dear ——
Thank you for opening a new credit card account . We confirmed that you’re eligible for the new offer you
requested . It was 90,000 bonus points after you spend $6,000.00 on purchases in the first three months your account is open.
We added 15,000 bonus points to your account.


Hi, I applied as a sole proprietor (I have an investment property) and got denied. I called the reconsideration line and told me I need to verify some business details.
1. Proof of date of birth and physical address for authorizing officer
2. Proof of legal name and physical address for business
3. Proof of federal tax id for business
Can you please help me out with this as I just started the business 2 months ago?

Joe filer

The offer is $900 cashback, not 90,000 points. Where did you read thats its points?


From the post:

“The signup bonus is marketed as $900, but it will actually come in the form of 90,000 transferrable points which are worth $1,350-$1,800 when points are transferred into miles with the help of someone in your household having a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred.”


can i apply eventhough i dont have a business


Hi Dan,
I applied yesterday for me and my wife for 3 ink cards thru your link and b”h got all approved.
Can i shift credit line from other chase business credit cards, and also get 0 APR on the amount i shifted?


I signed up for the Ink Cash for my business. Can i now sign up for the Ink unlimited for the same business just 1 month later?
If so, any idea when this will expire as I dont think I have enough expenses lined up to fulfill both spending requirements


I called chase and they said I have 114 days (more then 3 months) from day i get accepted to do the spending.
Anyone else ever hear of that or know that for a fact?


Anyone have luck redeeming these gift cards for money orders? I went to Walmart yesterday and it wouldn’t work.


Can the same business have another Business Unlimited Ink? Will they approve another one? original is years old


I really want this card and bones,
but I already have 10 cards, and I was told that each card gotta be used once in a month or 2, and pay it, in order the company should not close It.
@Dan is the above true? Or I can just apply, get the bonus, and let it sit, and forget about it? ( I don’t need this card now for spending purposes)


Any of these business cards will help build your personal credit?
Will the credit line be calculated towards your personal total credit line?


Chase closed all my account about two years. Can I apply again now?


They ask for amount I plan to spend on the card. Will that affect likelihood of approval or the credit limit? What if the business revenue is relatively low?


Do they care how much you say you plan to spend monthly?


If I don’t have a official business and didn’t put my name as the business name but got approved, do I have anything to worry about? Is there anything I should/could do?


Having payments from personal bank account pay a chase business ink bill is that ok?


Currently using a non business card for business purchases is it better to stop using that card and rather apply for this ink card ? Even if we have same card already?
Is it really not good to use personal card for business purchases? Thanks.


Technically, you can use a personal card for business, but the IRS doesn’t like this. There may also be legal ramifications, i.e. breaching the corporate veil, which means if someone sues your company, they may be able to go after you personally. It’s almost always a better idea to have a dedicated business card for your business (that only has business expenses on it). It makes it easier to track expenses, plus helps get rid of any questions of business vs. personal spending.

As always with questions like this, your best bet is not to ask random strangers on the internet, but to speak to your accountant.


Getting approved would need my personal income to be substantial amount? Or solid credit is good enough?


I signed up for this card and would like to close it. Being this is a business card, does that impact my personal crecit score as a personal card would?


Chase must be hungry for new business, because I opened an Ink Cash card in March 2021, and I’m over 5/24, and yet they still approved me for a new one (by taking some of the credit line from my old one).

Shame I didn’t apply 3 weeks ago, I’d already have that 90K signup bonus in the bag between the last 2 weeks of Staples.


Will they allow to shift credit from a personal card to a new business card to get approved?


is there international fee?




If I apply with my personal name as the business name and my SS# as the tax ID#, what what do I put for Annual business income and date the business opened?

Thanks a bunch


Hello Dan and DD Fans, newbie here as it relates to CC signup offers.

1) Why does the application ask for personal details including one’s SSN if this is a business card? I confirmed with Chase that they check your personal credit report, so does this impact one’s personal credit score and also does it get reported on your personal credit report?

2) For other cards that have a large annual fee i.e. AMEX Business Platinum card, is the idea to reap the benefits and then cancel it prior to the second year or is the idea to maximize the benefits to offset the annual fees?

I’m asking because it appears that many sign up for these bonuses and I’m wondering if they all keep the accounts open. Any guidance here would be greatly appreciated.


Can you sign up for two cards at once when it’s all sole proprietor?


My husband works for a company and has his own business related expenses can I sign up for the card?


After submitting says: status In Review, will notify by mail 7-10 days, tried calling recon. but says nothing needed just need to wait for answer, should try calling again or just have to wait?


Hate to sound stupid but I’m new at this. How do you transfer points?


Does Chase Perfered Card also have 1.5 for miles?

M Gold

I understand these points are worth a lot more if their transferred to a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred. if I don’t have any of those cards can I transfer it to a sibling who has that card or has to be a card with my n amp and address?

M Gold

ok thank you. if no one in my house hold has it would you suggest I open one of those cards to do the transfer? if so, which card would be best?


Could i apply for a business card if I don’t have any business?


If I don’t have a Chase Sapphire card, can I still transfer the 90k chase points from this card to a United miles account or do you need one of those other Chase cards to be able to get miles from these points?


Hey guys! Very new to the points world, What does Dan mean by “If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.” If I transfer my Chase points to my Hyatt account they will multiply my points by 6? How do I get more info on that?


You will have the same amount of points. Just a $1,000 room can often cost 25k points which makes a value of many cents per point

not foreign

Is a charge in US dollars but comes up as a foreign transaction considered foreign transaction with a fee of 3 percent?? Thank you


just random if there is a card i dont use anymore should i close it or should it be avoided?


Leave it


Hey all,
how do they define business travel for primary car rental coverage? Planning on going to Miami for vacation with family, but will be working while im there as well.
Anyone have experience with that?


Any recent data on 5/24 rule for this card

Mia flyer

Which card gives the best return on office supply purchasing


applied for both. was double denied for 2 many requests or open accounts. asked for reconsideration on both. approved for both.


Is there a foreign transaction fee on this card?

Also a Jew



Got approved for the business cash.. any idea how to access the card on my chase account? I don’t have a business checking account- do I need to open one in order to access and pay the bills for the business cash?

Chad Bidoro

No and no


Should I bother applying with a 675 credit score ?

Chad Bidoro

Go for it!

Big Al

Hi Dan,

Somewhat random to this discussion. Any value in keeping the Chase personal United Explorer, United Quest and the United Business? I’m thinking to definitely ditch the personal Explorer but wanted your opinion (not a big United spender, more of a flyer). Thanks

Chad Bidoro

Good idea


help me out please.
I have both Cash and Preferred cards since 2018. Am I eligible to apply for any one of them and get the fresh bonus ?
thank you

Chad Bidoro



Have great credit, was denied. Tried to reconsider, still pending.
My husband also tried same great credit, they asked for a few proofs of ID etc and now are asking for more, Proof of federal tax id for business…
did I do something wrong? How is everyone just getting approved?


I was denied because I am an authorized user on my husbands card and don’t have any personal credit for liability. Anything to do?


I have an LLC that has been in operation for a few years and has an account with Chase.
When I started the application it asked for my SSN. I thought they only pulled the info from my LLC’s EIN? Are they pulling info on my SSN as well and are they using my personal FICO for the credit decision?

Chad Bidoro

Of course. Any loan needs personal guarantee


If I apply for a legitimate business that is a partnership, can me and my partner both transfer points back and forth and then to our individual sapphire reserve card?

Chad Bidoro

Should be able to


Good afternoon all!
I have a close to $9k purchase I need to make that states: “Payments can be made in the form of CASH, CASHIERS CHECK, or WIRE TRANSFER.” So no credit card. Any method I can use to get points for it? (I had originally planned to charge it directly on a new chase ink card or via visa gift cards from staples purchased with no fee). Any insight would be helpful.

Also have no experience with the reloadable debit cards like bluebird or serve etc… Are those still useful to churn points(or even to make purchases that are above $200 Visa GC- such as an $1k airbnb reservation that was declined because need one card to cover the whole purchase!)



Got approved for small amount. To request an increase they said they’ll do another credit pull is there another way ?


Transfer credit from a different card


How can i track the 25k max in bonus categories?


Hi Dan, I applied for INK cash for myself and my wife as sole proprietorship, and was approved for both after calling reconsideration, I managed to meet the spend threshold by now for both, should I apply for the unlimited? are the chances to get approved the same?


Is there a an exchange rate fee for foreign transactions like using the card in Israel?




Are there foreign transaction fees on the Chase Sapphire Reserve?




chase blacklisted for 6 years now, worth applying?(was denied 12 months ago)


if I purchased my jetblue flight with points and upgraded my seat on jet blue via chase sapphire, and my luggage gets lost, can I claim through Chase sapphire for my lost luggage?


Why do they ask for my personal SSN if I signed up with my business EIN?

Chad Bidoro

They need personal guarantee on loan. Standard operating procedure


What would happen if one made a purchase to get over the threshold and then canceled the purchase afterwards? Do they take back the points? Thanks




What if I already spent the points? Thanks….Dan any thoughts?


Don’t mess with chase.


Dan, Any experience with this? Would I have to pay back the points?

dont mess chase

yes plus 10x penalty


Do you get approved instantly or it takes a few days?


I recently was approved for 4 ink cards, 2 each for 2 diff EINs. I have to make a 6k purchase and want to know if there are any upcoming new offers for Chase SUB, even on a personal card. Not looking to try another INK< unless you feel its worth a try….


if i only got apporved for $3000 credit line anyway if i try right after getting approved for a credit line increase i would get approved?


What’s the best cc to get with a 670 credit score?
Best cc with a 750 score ?


Got a business card for me and my husband. 2 questions 1) it says our limit is $3,000 — can that be increased? 2) Is there anyway to get that business card on my chase account? Right now its a sep login and very confusing to have 3 sep ones now (1 for our regular finances, 1 for mine and 1 for my husbands.
thank you!

Chad Bidoro

2) There definitely is a way . Go to settings in profile and in “manage accounts “ should be an option to link it. If not you can call them.
Funny you got 3K I also got 3K yesterday and I see other members did as well. I got 12K a few months ago


Will there be a “warning” that this offer is ending, before its over?


Is there any real benefit to having both the Ink Cash and Ink Preferred? We have a Sapphire Reserve to transfer the points to.


Does anyone have a number for chase that I can contact to request a credit card shipping to be expedited?


Any idea why this card is showing on my personal credit report


I have a 100 plus llcs.s’ can I open 200 cards without affecting my different credit scores
(business and personal)


if yes how would I do it {i could generate the spend}

open credit card

hey there
can u please send link to open the best card to use in israel with no foreign transaction fee and get high cash back or credit back as will be making quite a few transactions in the next week or so and also is there a way to get the number of the card before they ship me the card so i can use the card right away [even when shipping to usa address]
thank you


applied saying sole propertorship, my own name and my address and $1k income. went for review, called and they grilled me, when asked what business? I replied i sell items on ebay . told me selling few items on ebay is a hobby not a legit business and got denied. 840 fico score and 2/24


hi i have 100 plus llcs can i apply for 200 cards and not affect my credit scores [personal and business]

Hegmon Tuesday

you’ll be looking at a credit score in the 500’s by the time you’re up to card number 25, if you make it there.


I already got approved for 3 ink cash cards for 3 separate businesses. Can I now open 3 unlimited cards for each of the businesses with no risk whatsoever?


Anyone get approved that had this card already and got the SUB less than 24 months ago?


Dan, I tried doing them both for my wife the first application said they will let us know soon and the second said she was denied. Any ideas why this would be?


or if there is a way to get them to approve


Don’t the rules state that your spend must be on business expenses only?


If I signed up in the last 6 months but did not get the bonus at all, can i request the 90,000 points now?


Question? I see related things in your post but don’t understand it all. I already have the chase sapphire preferred where I know my points are worth 1.25 in airline travel. With this card, can I get miles directly from the card, or have to transfer them to my sapphire preferred account? And if so, how do I do that?


I applied and got denied even after calling recon. Anything more i can do? I have excellent credit and have low balances…


can I apply for both the Ink Unlimited card and ink Cash card on the same day? if I do that will there be only 1 hard pull on my credit? (because I once read that all inquires done within 2weeks only only appear on the credit score as 1 pull) Is there any risk in doing this?


You wrote that “it’s critical to just write your own name as the business name”. – In the “Business name on card” field can I fill out my business name even if its not a registered entity as long as in the “Legal name of business” field I filled out my own name?


Sorry in advance for a stupid question.
For this card, can I charge X amount and not pay any interest/need to pay minimum fee for 12 months? Or is there interest that will accrue for a non payment?


Does anyone know the answer to this??
I just paid the minimum $40. Doesn’t seem I got hit with any interest charges. Anyone??


I think its because it has a promo of 0% apr on purchase for the first year should say somewhere when theyll start charging interest if you look closely and its also only on purhases not cash advances i dont think


Applied in Nov for Cash and got instant approval, applied this month for Unlimited and got declined, called Himan Recon multiple times and fought them hard and BH got approved


I did not realize I need to click Sole Proprieter, everything else was good. They said I need to call them within 14 days. Anything i should know beforehand? Should I just reapply?


I applied and obtained the business card in order to pay my personal income taxes, but when I attempt to use it on two IRS approved processors, I am told the card type is not accepted at this time. Is the issue that I am using a business card to pay personal income taxes?


I applied for 2 cards and got approved; where applying for my wife, would using my phone number and email address again be a red flag or they wouldn’t care about that?

Josh C

Trying to sign up for the Chase Ink unlimited but it’s only showing $900 cash back vs 90,000 bonus. Has the 90,000 bonus signup expired/converted to a straight cash back?


Can you explain what you mean by “If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.”
Can I sign up for multiple of the same card for one business or you meant one card for each business?


Shalom Dan
My credit now is 675 ( has been lower but got it back up in the past few months ) been in business for many years
My wife credit is 750 and has a small bakery business for 5 years or so
Who should apply ?


This site does not do any consulting, ask your accountant/consultant.


My question was who would have a better chance of approval


they ask for NAICS NUMBER, whats that?


Do I have a chance to get approved if I have a chase card less then a year, but I’m an authorized user to Someone that is a few years old?


I applied on Monday and got a pending. Called recon and after a long shmooze with many questions the rep approved me. When he entered his approval the system needed
another approval. Today I got the email that the card will arrive in 2-3 days. Chase business cards always need a long smooze with recon, a real drag.


I applied a couple months ago for the chase unlimited and the chase cash cards. Can I apply again and get the bonus? Is it likely that I’ll be approved even even if I just got the bonus recently?


If I got approved and it says the purchase APR is 17.74%, does that mean that I didn’t receive the promotional APR, or is it just showing the standard and my real APR is 0%?



Got unlimited last night. Went online to check if i shud do another one. Thanks Dan for the final notice for all those who arrive closer to Uz Yashir


Approved for two inks today even though I’m over 5/24. Crazy what they’re pushing.


Is the deal still on? Do I get $750 or $900?


I just appliedfor chase business unlimited and got rejected. I have 7 inquiry including this one. Do I have a chance at calling?
And if yes what should I say (being that I don’t actually have a business)



Chase requested the following

Proof of legal name and physical address for business
Proof of federal tax id for business

I used my legal name for my application and I don’t have tax id (I used my social)

How to I respond to chase?


Did anyone open this card (or the other chase ink business card) and use it to pay for school tuition? Did anyone have any issues after words from Chase? Is this frowned upon?


Can someone explain why the caption says that the offer is ending very soon when the post says that “The end date for this offer is unknown“

Peggy Chernikoff

My husband and I are both retired. Should we apply for this?


Hi Dan what do I fill
Out for the end?


I can’t find the cards trying to sign up is the deal still available


Can I still sign up?
Don’t see the offer


Do I still get the bonus if I applied on sunday but didn’t get approved till today?


If it still showed the 90,000 points deal, then yes you should.


I just got the card. Can I add the card to my personal chase account, or do I need to open a chase business account for the online login….


Hello! Quick question how does the Chase Quadfecta works? Every time I go on my ultimate rewards points they’re all segregated by credit cards. How do you put transfer them so that they’re all under the same “ultimate rewards account”?


I signed up the last day this was alive and my app is still pending? I called chase number and they said there is still no update I need to wait another week or two and follow up to see what the status is. Anything else can do in the meantime?


Do the bonus points hit as soon as $6,000 is charged on the card or at some other time? I’m over $6,000 charged and no points have been credited yet. Please let me know. Thanks!


I did the 6k and was given only 75000 for the card bonus… Why? It is supposed to be 90k!


@dan I applied for 2 cards and received emails for bein approved for both and I received only one card in the mail but I never received my Chase Ink Business Cash card that I received a email for being approved. Is there anything I can do?


Now that the bonus deal is not around anymore are you still finding that they are lax in approving the card or now it’s back to how it was before and not so easy to get approved… I got 4-5 cards at the time of the 90k bonus so want to know if I can apply for another one now…?


Applied and approved while offer was still active- just put 6,000 on now- will I still get my 90k pts?