Ink Business Preferred® Credit Card’s Mega 100,000 Point Signup Bonus And Versatility Are Why You Should Apply!

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Ink Business Preferred® Credit Card Card

Signup bonus:

The Ink Business Preferred® Credit Card Card comes with a mega signup bonus of 100,000 Chase Ultimate Rewards points for opening the card and spending $15,000 in 3 months. Those points are worth a minimum of $1,000 cash back or $1,250 towards paid travel, but they can be worth much more as shown below.

No other card offers that many Chase Ultimate Rewards points for signing up.

Annual fee: 

There is a $95 annual fee for the primary card and no annual fee for additional cardholders.

Signup bonus terms: 

  • You might not be approved for this card if you have received a signup bonus on an Ink Business Preferred® Credit Card for the same business within the past 24 months, but you can get approved and 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.

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 appear to be 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.

Card earnings: 

  • 3 points per dollar on travel, including airfare, hotels, car rentals, cruises, subways, trains, taxis, tolls, parking, Airbnb, Lyft, Uber, etc.
  • 3 points per dollar on internet, cable, and phone services. This includes streaming service like Netflix and more.
  • 3 points per dollar on shipping purchases.
  • 3 points per dollar on search engine and social media advertising. This includes AWS hosting and more.
  • Max of $150,000 of annual spending in bonus categories.
  • 1 point per dollar elsewhere.
  • There are no foreign transaction fees.

Spend Threshold:

You’ll need to spend $15,000 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.

Cell Phone Protection:

If you pay your cell phone bill on the card your cell phone will be insured from damage, theft, or involuntary and accidental parting until the end of the calendar month following the payment.

This benefit covers claims up to $600 and there is a $100 deductible for claims. You do not need to pay for the phone on this card to file a claim.

You can file up to 3 claims per 12 month period.

This card offers triple points for cell phone bills, making it a good value for your monthly bill thanks to the insurance.

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.
  • Trip Delay Reimbursement covers $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours.
  • Trip Cancellation/Trip Interruption Insurance covers $5,000 per trip or $10,000 per trip with multiple travelers.
  • 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 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours.

Increased points value:

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

If you have a Sapphire Reserve you can get a value of 1.5 cents per point towards paid travel.

Airline and hotel points transferability:

If you or someone in your household has an Ink Business Preferred® Credit Card you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.

Product changes options:

You can call Chase to convert between an Ink Business Preferred® Credit Card to either of the following cards:

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

Those cards also have strong benefits.

The Ink Cash Card earns 50K points for spending $3,000, 5 points per dollar on $25K in annual cable, internet, phone, and office supply purchases, plus 2 points per dollar on $25K in annual dining and gas purchases.

The Ink Unlimited Card earns earns 50K points for spending $3,000, plus 1.5 points per dollar everywhere.

However those no annual fee cards cant transfer points into airline miles or hotel points without a Chase Ultimate Rewards card that has an annual fee. Plus they don’t get a bonus for travel redemptions.

As the no annual fee cards have a smaller signup bonus, it can make sense to signup for Ink Business Preferred® Credit Card and then make a product change to one of the no annual fee cards down the line.  If you later decide you want to take advantage of the benefits of the Ink Business Preferred® Credit Card card you can convert it back to that again.

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.

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 Business Preferred® Credit Card.

Chase Bifecta would consist of a household that has the Ink Business Preferred® Credit Card and the Ink Unlimited or Freedom Unlimited. The total effective annual fees would be either $95. With the Ink Business Preferred® Credit Card you would earn 3 points per dollar on travel, internet, cable, phone, shipping, and more. With an Unlimited card you would earn 1.5 points per dollar everywhere. Either way you’ll be able to transfer all of your points into airline miles or hotel points, but with the Ink Business Preferred® Credit Card you can also use the points with a value of 1.25 cents each towards travel.

Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom into the mix, so your total effective annual fee will still be just $95. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 3 points per dollar that the Ink Business Preferred® Credit Card offers and the 1.5 points per dollar everywhere else with an Ink Unlimited or Freedom Unlimited card.

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 on top of a Ink Business Preferred® Credit Card and an Unlimited card, so your total effective annual fee will still be just $95.

Chase Quinfecta would add either the Chase Sapphire Preferred® Card or Sapphire Reserve to that mix, adding $95 or $150 to the additional effective annual fee after the Sapphire Reserve travel credit. This will add either double or triple points on dining, plus with Sapphire Reserve would make your points worth at least 1.5 cents each.

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)
  • Singapore (Star Alliance)
  • Air France/KLM Flying Blue (Skyteam)
  • British Airways (OneWorld)
  • Aer Lingus (OneWorld)
  • Iberia (OneWorld)
  • 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 Business Preferred® Credit Card and Chase Sapphire Preferred® Card 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 25-30K 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.
  • 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 Ink Business Preferred® Credit Card ’s minimum redemption value of 1.25 cents per point
  • 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.
  • 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 Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point, plus I’ll earn 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.


Will you signup for the Ink Business Preferred® Credit Card ?

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324 Comments On "Ink Business Preferred® Credit Card’s Mega 100,000 Point Signup Bonus And Versatility Are Why You Should Apply!"

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


I changed lately my spending from the freedom unlimited to ink unlimited in order not to have high balances on my name.
On my last statement i got a message printed by the end:
Your account is a business account, to be used only for business transactions.
It is not intended for personal, family or household purposes.”

Anything to worry? Shutdown Etc.
Thanks Dan for your great work!


So why signup today?


I know this is somewhat stupid, but since there were times you could get 100k-120k points for this, makes me want to wait it out longer. There’s usually a warning before pulling an offer anyway, right?


Dan- how frequently can you product change a year? would the product change be instantaneous so you can convert or would you have to wait for them to mail you new card?


I have this card already thanks dan! But I’d be interested in getting another im a sole proprietor would I be able to apply for another card with the same ssn?


Did you or anyone get approved a 2nd time for the ink card as a sole proprietor? How long did yoo wait between getting the 2nd card?Thanks


Will they lower the bonus without warning? From your experience do u think they will lower it?


Hi Dan,

By applying for the ‘Ink Business Cash℠ Credit Card’ and the ‘Ink Business Unlimited℠ Credit Card’ ‘Together’, you got 100,000 Ultimate Rewards points, without paying any yearly fee and spending together just 1000$ more[$3000 + $3000 instead of $5000 for the chase Ink Preferred card]. that means approx 30,000 Ultimate Rewards points more!


How do you apply to 2 cards ‘together’?


Can I close the account today, and reapply in a week?


If I will not be using this card for any of the 3 point categories (only using for purchsing electronics online), is this still the best card? Might it make more sense to get a card with no annual fee and a different reward-per-dollar-spent?


apply – and downgrade it to ink cash or unlimited


Can I transfer these to chase sapphire reserve card?


Cell Phone Protection: would I be covered even I have a prepaid line and pay it on the card , or it must be thru a plan ?


Thanks Dan! Just got approved and this will re-energize my sapphire reserve benefits…


If one already has an Ink unlimited or cash, can you downgrade a preferred to unlimited/cash?


Hi Dan, its unrelated question.
Have you ever heard of a chase business debit card having card benefits like purchase protection, car rental insurance. Because I got my new Chase business debit card today and it came with the card benefit package and I called in three departments to verify I indeed have these benefits and all of them said yes I have it…


There is no such thing on debit cards. Dan can definitely clarify that.


all travel benefits like trip delay and baggage delay – is only for business travel ?


Can I get this card if I got approved for the Sapphire Preferred w/in past 24 mo.?


If I got approved does that mean I’ll get the 80K bonus. or can i be approved yet not get a bonus? i ask this because I had experience where i was approved for Amex but when it came to the bonus they said hey you can’t get it.


Why now? this signup bonus has been around quite some time.

Yitschak Livni

I have the Sapphire Preferred. Never used the points. I’d like now to buy r/t airline tickets for a trip from East Coast USA to Israel. Can someone please help me understand how to do this to maximize my value (at least 1.25 cents/point)? Thanks All!


Dan, am i able to downgrade sapphire reserve to a no annual fee card? also would you say the difference in annual fee ($55) between reserve and preferred is worth more then 0.25 cents p/mile redemption value? we travel a few times a year but nothing major.


@dan I just applied for the card and I got a message from Experian ID notify that there is a new inquiry…. I thought the business card does not hit your personal credit?


I have an ink business cash can I apply for this card and ink unlimited for 130k? Under my business with my ssn as a sole prop and it not affecting my credit?


If I am a sole proprietor, sign-up for the preferred, receive its bonus and then downgrade to an ink unlimited, will I be able to sign-up, again as a sole proprietor, for a new ink unlimited and receive its bonus?


Dan how are the chances getting this card with not good credit

Sole proprietor

I applied for the card as a sole proprietor but I didn’t put my name. Instead I wrote a business name and they want paperwork. Can I just apply again with my name?


i know whis this is a late reply, just writing for those that are reading this, usually you can call up and change the business name and you should be fine



I have the INK Business Plus A”H. Can/should I product change for the bonus?


am i getting this right if i downgrade (say to the ink cash) I’m then not able to get the bonus points for ink cash?

or if i open another ink cash I’ll get bonus points anyway?

Sol Lemon

Is it hard to get approved for this card? is an average credit score enough?


If I apply now for the preferred and then downgrade it to the ink unlimited, will I still be able to get the signup bonus on the ink unlimited?


Dan, do I need to be an additional to my spouse’s account in order to move points from one account to the other?


Dan- if you sign-up mid-month, 11/7/19, would the 24-month clock restart 11/8/21 or 12/1/21? thanks.


“It’s critical to just write your own name as the business name” on the application, do you mean in the spot where it says Legal Name of Business or Business Name on Card?




Can you product change even if you are at 5/24?


how long would u recommend waiting to apply for another biz card (sole proprietor)?


Dan, do cc company’s take issue w personal spend on business cards? Or do they say you can’t for legal purposes? I would like to know as I am only ok w doing it if they are. If they don’t let it may be stealing if for example you get 5X points on phone bills..


Approved after 2.5 hrs of reconsideration!! Including hold times


whats the # for that ? please


hey a quick Q if someone in household has the Saphire reserve or preferred can i also transfer miles to then transfer into an airline milege direct or as u stated only the ink preferred
thanks dan and jj u guys are blessed


yes you can use the sapphires to transfer as well





Is 3 months enough time to apply for a second buisness card?

I don’t use the first much, is that an issue?

Thank you in advance!


I have a Sapphire Reserve. It I get the Ink Preferred as a Business Card can I transfer the 80,000 to the Sapphire Reserve? Also is there any value in using the Ink Preferred after the initial $5,000 is met, or is it better to just use the Sapphire Reserve for all purchases? Thank you.


Everyday spending should be done on freedom unlimited..


How long does it take to get approved for this card ?


Hi Dan i sighned up for this card they told me in chase bank that it does affect my credit and like wise when i shut it down is this true?


Why can’t I put my Business name and EIN number on the application. ? How does it benefit me just to put my own name and SSN?


Dan, I am retired and have an LLC with all of the paperwork, federal ID, etc. As a consultant who just works locally, my problem is that I don’t have a lot of monthly business expenses. I have a home office that I detail when doing my federal taxes, so I could charge to this card cell phone bills, cable/internet, heating & electric, some home maintenance, etc.
Do you have user feedback about Chase flagging new cardholders for some level of personal spending in the first three months to hit the bonus threshold?
Also, I have Freedom Unlimited and the Reserve cards.


Dan Do Bonus points disappear if you downgrade a card before 12 months? Does it create a “red flag”? In other words is there any problem with opening a card hitting the bonus then downgrading, thereby avoiding 3/4 of the annual fee? (this time it’s relevant to the post)


Any idea when this will end? I need to wait a bit to reach the spending threshold as im trying to reach it on other cards! 🙂


Hi Dan, thanks for everything! If I have a business but I personally don’t have best credit score like 600-700 can I get approved for this card for my business?

Starting to get the hang of this

I have an ink cash and two sapphire preferred cards (me and my husband). I also have Amex everyday card but I quickly maxed out on the groceries limit. Would love to get this 80k bonus. Should I downgrade one sapphire preferred card to Freedom or freedom unlimited (which do you recommend) and add this one? At what point can I downgrade this ink preferred to an ink cash to avoid the $95 fee?


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.

How do they verify if it was personal or business use? Trust?


is there any place i can buy amazon gift cards and still receive 3% (i.e. a store that sells gift cards but comes up as travel? thanks!


Can I use this card to pay for my daughter’s college tuition which helps me hit the $5000 target easily?


I just aplied for card.
Got the ink unlimited And reserve cards
As I didnt get approved on spot I contacted my private banker @ my branch. He called me back that I should call them up to answer som Q’s any good advice as what to say.
Spent over 15K on the limited always on-time ETC.


hi dan! i’m working with spec. need kids, will they approve it as a business, (buying them toys, making events, music etc.) & similar with my wife she’s teaching girls do you think they’ll approve her?


Does spending by an additional cardholder count toward the $5,000 spend or does it have to be on the primary card?

Sole proprietor

Hi @Dan,
I followed all instructions in the post for a sole proprietor. I got a message “unfortunately we were unable to approve your application.” Any ideas what to do now?


Any idea when this promotional signup will end?

Isaac H

I already opened this card for my LLC can I open another one as sole proprietorship?

If yes when I apply and I write my income does it have to be income without LLC income or should I write my income all together?

Mendel Greenberg

Would it make a difference to apply today, if I’m still 5/24? Are they going to be more lenient today?


what are my approval odds of getting approved of I have made a few late payments to chase but before the cycle generates but it doesn’t reflect on my credit reports would I get approved(but have a decent score)


Can use points from a Chase Ink Unlimited or Freedom card to book Southwest flights? I know it has to be done oflver the phone.

Alan Katan

@dan…Kinda off topic but I’ll ask anyway. I have a basic Chase Freedom. If I upgrade, am I eligible for the bonus or must I open a “new” account?


I am kind of new to this whole credit card thing, so excuse my lack of knowledge….I have a Chase Freedom, Chase Sapphire Preferred and a Chase Sapphire Reserve. (1) If I get the Preferred Ink card can I transfer points earned to the Reserve card so that they are worth more in travel (2) Does the Ink Preferred Card still offer 5 pts/dollar at Staples, Office Depot, etc… and (3) If they ask for a copy of a bill regarding my business, what type of bill could I send. One of my job’s is a part time job where I work for myself. Please advise and thank you so much!!


@DAN what are my approval odds of getting approved If I have made a few late payments to chase but paid before the cycle generates but I didn’t let it become delinquent. would I get approved(but have a decent score)?


Is there a business card tha has a introductory offer of 0 intrest on purchases?


Hi dan
i signed up for the card and stiil did not get an answer if im aprooved .how long dose it take to get answer from them ?
is there any way i could know if im aprooved?

Thanks dan “we love this place”


To know whether your application is pending or declined:
Call CS 1-888-338-2586 or 1-800-432-3117 and press # or 1. (If it’s asking for your full 16 digits account number, it’s 1. If it’s asking for only your last 4 digits, it’s #)
Press 3, then 1, then key in your SSN.
If you hear:
This application is being reviewed. You will be notified in writing of our decision, in approximately 2 weeks
It’s pending.
If you hear:
This application is being reviewed. You will be notified in writing, within 7 to 10 business days, of our decision
It’s been declined.


I got a message saying that I will be notified in writing within 30 days. What does that mean??


Does Dans Deals get a bonus/referral etc.. if we use the link here to apply (you are entitled… happy to support the blog since I benefit). Just want to know if I should click the specific link. Also any news if it expiring soon?


Can I get this card if I dont own a business and just use it for personal use?

Sole proprietor

I called chase and they said they declined me because I opened up too many cards in the last two years. I thought business cards don’t fall under 5/24 rules. I applied as a sole proprietor I have a great credit score and several personal cards from chase. Any ideas?

Sole proprietor

I am planning to open an LLC for my business shortly. Does this also fall under 5/24 rule?


I called the number u provided and got a message saying that I will be notified in writing within 30 days. What does that mean?? I have exceptional credit and did not open more than 4 cards in the last 24 months. Also if I am approved an the offer has ended will I still be eligible for the 80K??


When applying for a business card can I use the same email address as my personal chase account or should it be a different email address?


Hi Den
I just got my 2t year annual fee charge of $95
Do I have any benefit of staying with this card? (I do have the sapphire reserve card) or I should downgrade to Chase Ink Cash Card ($0 annual fee) or Chase Ink Unlimited Card ($0 annual fee) or ?
Thanks, den


Dan, I am still trying to understand how you get 10X instead of 7.5 when you buy GC at staples for 5X and use on amazon to get 7.5 back on Chase UR. How do you get 10x?

Sister\'s business

Do you have to be a business owner to open? Like if my sister who has a business is ok with my using their business name, can I open it under that business name? What sort of evidence do they request?

Already approved as Sole Proprietor.

Just Asking

Do they say an end date for this signup bonus?


Dan, for how much longer will this offer be around?

(I have expenses coming up in a few weeks, so I prefer to wait a few weeks to apply so I have an easier time spending 5k within 3 months)

chocolate lover

hi dan! first thanks for all that spec. nice help & guide in the CC world! which bills do you mean that can be used when applying Sole Proprietorship, personal gas/electric should be ok? im wondering cuz i went today in a chase branch the rep, told me. you gotta have to sit with an accountant & make an official Sole Proprietorship forum (have no idea what that is..?) & then you can apply? he didnt even gave the option of bills? so i guess maybe should rather apply online/phone? thanks


any experience of how high scores has to be to good approval odds, mine is 750?


Dan, in the post it says that you earn 3 points for tolls, when i called chase they said that tolls are not included in the 3 points for travel?


Is there anyway to cancel or downgrade the card and get the annual fee refunded pro rata for months on the year that you will not have the card


can i get use the same tax id for different ppl to apply for the same card


Off topic, but with Hilton’s new 100% buy points offer, can I use the visa gift cards in increments of $200 to purchase the points (20,000 plus 20,000) doing it individually as I don’t see how one would enter numerous gift cards for a large purchase —- I have bought a lot with my grandfathered Ink Plus card earning me the 5X points —-


Any idea if a partial phone bill payment would cover? If so, can claim any phone that breaks first as that one?
May be doing family plan, and if we each make payments individually, I want to make sure it would cover my phone, even though the phone line price listed will be different than price each of us would pay (since phone carrier divides the discounts differently than my family would).
I called and they said it would be eligible and reviewed, couldn’t say if it would be approved or not.


I don’t have any business, can I still apply with out any issues?


1. Business name llc CC
2. Personal Name CC
3. Sole Prop CC
Is it possible all this to be under same login??
I got separate login for the Sole Prop CC


is there a sign up bonus for the jp morgan reserve card?


Is it 1 sighn up bonus per a social or per a business?


Dan, thank you for this post. It would be great to have a post with information about the best miles programs for different countries. (i.e AA advantage miles for Argentina, 60k miles round trip, etc…) I’m always wondering which cards I should be using for Israel and domestic flights.

Yair Yelin

Adding to my privious comment. To the best of my knowledge the AA miles ara indeed the best program for Argentina. A round trip is normally $1k or more but only 50-60k miles.


@Dan, do you reccomend using or is there any issue with it? Will it hurt your score/is it unsafe?


I tried using and there was an error, it wouldn’t generate the report..


Hi Dan. Can you please clarify if a prequalified offer in chase would bypass the 5/24 rule? Thanks


Do they run a personal credit inquiry when applying for a business card?

micha levy

how much would one have to spend a year to make it worth keeping? Can you create a list of all the things people can spend a large amount on to make that 5000 mark?


How does one figure out whether to transfer ultimate rewards points to an airline mileage program or book through chase travel directly with points . I have sapphire preferred and ink preferred . And how does Marriott Bonvoy chase card figure into this equation please?


Take price of ticket and divide it by 0.0125 for preferred or 0.015 for reserve. If the total is less than the amount of miles that you would need through the airline, then it is better to book through Chase. If the total is more, then transfer the needed amount to an airline (so long as it transfers at 1:1).

Dovid Rauer

I have no idea about cards. Only have 2 from stores for extra savings but generally don’t use them. I have no clue how to utilize these cards to their fullest potential. Your post sounds so good but there’s sooooo much info to digest especially for someone not at all acquainted with these things. I do have a small service business and probably spend that much in 3 months anyway. I’m just afraid I won’t get my money’s worth since I don’t know what I’m doing. Any advice?


This is an amazing resource that can take you from A to Z of what you need to know.

But beyond that just getting the signup and using it for travel is worth a minimum of $1,000. So it’s a great card to sign up for.


@Dan, I have neither a chase sapphire nor the ink preferred. If I were to open one, which do you think I should do (assuming I dont spend heavily in any of the incentivized categories)?

Plus unless I am in one of those bonus categories, if I am getting 1 pt for $1 at a value of $.0125 per point, am I not better using a Barclay card where I get 2.1 points per $1 with a standard $.01/point return? Am I missing anything?


Do you recommend I put the EIN of my business or put my Social Security number?
What the benefits of putting the EIN of my business?


Is this considered a different card from the old Ink Plus card I currently have?


For a business card, do you need to enter your social no matter what?


So technically, if business cards don’t show up on credit report, therefore not counted towards 5/24 rule, I can open as many business card I want, ami right?


Thank you Dan. How do I open multiple cards with my name while avoiding the 24 month rule? You say that you open multiple of the same card with different businesses. Does each of yours have a different business name or just a small addition after your name? I am confused because you say it’s critical to use your own name.


Can I use this card for non buisness expenses like food, Amazon, etc.?


I am a little confused with the business name. You say that it is critical to use my own name but if I do that I can only get one business card every 24 months…correct? How do I open multiple cards using my own name? Do I just add one small change each time after my name?


I am over 5/24 and was prequalified with a offer. I got a APPROVAL for the ink preferred. I just needed to call reconsideration…

new yorker

If I get a new EIN number and use it for a new business to start how does chase trust me ? They don’t know me cuz my SS in’t attached.
Will they need business documents info?


Just got approved for the ink cash and am over 5/24. It was prequalified…


I currently have the Chase Ink Business plus. Can I change to this card and receive all of the benefits or do I need to close this card and sign up separately?


I applied for the Ink Preferred card last week. Where and when do I know if I was approved?


Just curious Is it out of the ordinary if I got approved for both the ink preferred and the ink cash when I am over 5/24 by a few cards?


I applied and was approved for this card over a week ago, still haven’t received it in the mail. I need to make some large charges that need to be posted still in 2019, can I call in to get my card number?


Just got approved for the preferred. If I downgrade it to the unlimited down the road – which I never had, would that be considered as opening a new card and give the signup bonus (for the unlimited) ?

n k

“The Ink Unlimited Card earns earns 50K points for spending $3,000”
chase shows $500 not 50k points


Dan, I have a few BA cards, my employees are using them and I feel like the points I’m getting isnt worth much. I also have an ink business plus card which I use for business as well.
Is there such a thing as “a solid all around card” to use? I am not the kind of person to be switching or changing every few months.



Dan can you advise? Or tell me where I can look?


just shut down this card after nearly 3 years, Dan do u have any idea how long i shud wait before applying for it again (theyre both sp although differant ones with dif names)


Hey Dan
If there is money in a trust fund that I pay taxes on will it raise a red flag if I put in my social since I don’t have an actual business? Or will they not know/care?


I got a message saying i have to wait for approval. i called them up, i realized that i had a credit block setup due to fraud, they sent me a text, then hung up on me and called me back on the number on the credit report, then told me wait while they process. got approved for high amount, worked great…. Dan, first time i applied via your link, i am not into this mile thing too much, cuz i got an Amex, accruled over 500,000 points, and have no idea what to do with them, cuz amex point value is just lame, its better i pay the fare compared to what the points sell for on the market.. by the way do you know what WhatsApp group people use to buy/sell miles?


If i just applied and got approved for chase ink cash, how long should i wait before applying for the preferred?


Just signed up for this card and the following message:We need to review your request a little longer.
Id prefer not to call if itll get approved without. Any thoughts?


If I sell on ebay and opened this card under sole proprietor. Can I open another card for my other business that has paper work and be eligible for the signup bonus again?

#1 Dan Fan!!

Hi Dan, thank you very much for all the amazing deals over the years. I have enjoyed trips to Israel, tons of free products, and saved thousands of dollars in travel thanks to you.
I was wondering if you or anyone you know has had success getting approved for this card with a low amount of business revenue (under 1k).
Also if someone already has this card l, are they able to refer themself to get an extra 20k points?


Hi. I got approved for this card and im like 8/24. Im not sure what criteria they used. I did have to call reconsideration


Question Dan
I’m a sole proprietor but did not use just my name when I signed up.
Can I switch back to just my name.
They want utility billd


Hi Dan
I am retired and do not own a business.
Still ok to open card in my name ??


how is this card better than the ink business cash? that card has no annual fee


It has 80k signup bonus. 3 points per dollar on travel and other categories. Cell phone insurance. No international fee… Totally different card


I’ve had this card in the past. Downgraded to ink cash after a year.
How do I know when my 24 months are up and I can get the bonus again? It’s been 2 years since I first got the card, but it’s my understanding it needs to be 2 years from bonus. How do I know when it’s 2 years from bonus?


I missed the signup bonus a while ago on marriot (thought it was $4k, not 5k) and closed card end of October. Can I get bonus if I get the card again because I never got the bonus ?

business owner

Just applied using a business name instead of personal name, and was denied unless we sent in paperwork for the county… asked about submitting under our own name instead of business name and the rep said they’ve had too many cases of fraud and now won’t approve anything without county paperwork. Anyone else experienced this??


Better option if could only pick one – this business cc or Jetblue Business (I have the Sapphire Reserve)

Nate the Great

Do I lose the points when I want to close the card?
And while asking, what about Amex Platinum, points lost when you close?

Please… Thank you.


Why would you close it?
Downgrade to A no annual fee card.


I applied Jan 30 so far only got an email saying:We have received your request for a Chase credit card. We’ll let you know our decision as soon as possible.


Call 800-453-9719


Hi, as a Salesman for a company can I apply for this card -as sole proprietor? It’s not my own business but I do have business expenses and I want to keep it separate/ would that qualify?


Can you transfer the credit line from a business card to a personal card?



Yehuda Greenwald

Hey Dan! My Credit Score is around 750, will I qualify for this card?


Hi Dan I own a business in Quebec canada will I be able to apply for this card? If not would you know a good card what can i redeem good points? Also as I’m a us citizen I would like to build my us credit which I’ve never done before, would you know which credit card I can apply for and I’ll get approved and it will build my credit fast and ii can get me some points in the same time?
Thank you in advance dan


Hi Dan,
If I got approved for this card more than 24 months but closed it less than 24 months ago, will I still receive the bonus?


Does the 3bm method still help to get approved for all 3 at once?


Do chase points expire or do you loose them if you downgrade to a no annual fee card?


I called to see if i got accepted and i got a message saying that I will be notified in writing within 30 days. What does that mean??


Can I open this card if I don’t have a business?


Dan, I know to put my name in the business name and to click on sole proprietor for a non business when applying, but what about the 6 fields requesting number of employees, number of years in business, revenues, industry, etc? Can I leave those blank? Or since I’m managing my investments, insert ‘investments’ and work on the other fields? I expect my income and high FICO score should be sufficient for approval, but I don’t know.


Filled it all out and got approved!

Curious G

Anyone know if shipping insurance is covered on the INK Biz or any other Chase card? Shipping with UPS, and I need extra coverage, do I need to buy or does the card cover?


Do you have to have a business?


If I get it and then downgrade I wont be charged the fee for the fuest few months?


Hi Dan can I apply for this card a few months after I got it under a different business but both businesses are sole proprietor so I will have to use my ss, will it work?


How long will this offer still be around?

Uncle Sam

Do we have to pay taxes on the bonus rewards?


Just occurred to me, its very hard to get the gift cards because the local Staples has shut down here in the 5 towns (NY). Can you use the Ink Preferred in the PO to buy gift cards and get 3%?


what classifies as a business car rental? As long as name of of business on the card is the one renting?


Dan, we just expanded our non-profit organization – though we still have a relatively small Budget (2 man show) We never had a credit card before, but now that our expenses are increasing, we need one. Is this the one you would recommend? Or some other one? Expenses will mainly be for travel and seforim.
Please answer as we are at a loss as to what to do. Thank you.


Is this the best credit card for a small non-profit (kollel organization)? Receiving enough miles to fly would be a benefit as travel is a necessity for collecting.


How soon after you hit the spending requirement do the 80k points apply to your account?

Sole proprietor

Can I get the bonus more then once on a sole proprietorship?


Dan, not seeing the card when clicking the link provided…?
I see a 100K signup bonus on but that has a $15K spend requirement. Is this offer gone? Please advise.


applied and got email saying they will let me know within 30 days…what does that mean and what are my chances of getting approved?