Earn A Whopping 90,000 Points On The Fantastic No Annual Fee Chase Ink Cash Card! Earn 5 Points Per Dollar On Amazon And Hundreds Of Other Stores

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Ink Business Cash® Credit Card

Limited Time Signup Bonus:

For a limited time only, the Chase Ink Cash 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 for a limited time only is an identical 90K bonus for spending $6,000 on the Chase Ink Unlimited Card. You can read more about that card here.

You can apply for multiple Ink cards at the same time.

Also available is a 100K bonus for spending $8,000 on the Chase Ink Preferred Card. You can read more about that card here.

The 90K 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 PreferredChase Sapphire Reserveor Chase Ink Business Preferred.

If you spend $6,000 on gift cards at office supply stores you would have 120,000 points, potentially worth $1,800-$2,400!

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 try sending a secure message from the Chase site or app to request a match to 90K points. Post a comment with the results!

Annual fee: 


Comparison to previous welcome bonus:

This card used to offer a 30K signup bonus, but most recently offered a 75K bonus for spending $6,000 in 3 months. There was a 90K limited time offer which ran from December 2022 to March 2023.

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

Signup bonus terms: 

Chase Ink cards have the most generous terms of any Chase card.

  • Officially, you might not be approved for this card if you have received a signup bonus on an Ink Preferred card for the same business within the past 24 months.
  • However, if you are approved for any Ink card, you will get the signup bonus.
  • You can get approved and get the signup bonus for this card for the same business even if you already have this card.
  • 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.

Typically, Chase cards 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.

However, a pattern has developed where Chase often waives 5/24 rules when they launch a limited time offer like this, so it can be worth trying, even if you are over 5/24. If you try, be sure to leave a comment with the results!

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 annualcreditreport.com to check how many accounts are shown as being open in the past 24 months.

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 Ink Cash card is marketed as earning 5% and 2% cashback in bonus categories, but it actually earns 5 or 2 Chase Ultimate Rewards points per dollar spent. As each point can be worth 1.5-2 cents each, that means you’ll actually be earning an effective 7.5-10% back on the 5 point categories and 3-4% back on the 2 point categories.

Earning 5 Chase Ultimate Rewards points per dollar on all of your Amazon purchases is pretty sweet! I accomplish that by using my Ink Cash card to buy Amazon gift cards from Office Max, Office Depot, or Staples and then saving the gift cards to my Amazon account where they stack together and never expire. Personally I view that as getting 7.5%-10% back on my Amazon spending, which makes Ink Cash much stronger than using Amazon’s own credit card for Amazon purchases.

Here is where you can earn 2 points per dollar on up to $25K in annual spending on the Ink Cash card:

  • Gas stations
  • Restaurants and restaurant delivery.

Here is where you can earn 5 points per dollar on up to $25K in annual spending on the Ink Cash card:

  • Charges made directly with all cell phone service providers (AT&T, Boost, Cricket, Google Fi, Republic, Sprint, T-Mobile, Verizon, Virgin Mobile, etc)
  • Charges made directly with all telecom, TV, and Internet providers
  • Charges made with streaming services, like Hulu, Netflix, SiriusXM, Sling, Spotify, Tivo, and Vudu
  • Charges from Godaddy.com
  • Charges from Microsoft OneDrive
  • Charges made in-store or online at office supply stores, like Office Depot, Office Max, and Staples.

Spend Threshold:

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

You can pay your federal taxes for a 1.85% 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, 18.49%–24.49% variable APR.

Potentially, that means you can stick your payments aside from the minimum payment into a 5.25% savings account and pay the card back after a year with no penalties or interest.

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.

Earning Bonuses From Gift Cards

With Chase Ink Cash you can earn 5 points per dollar when you buy gift cards for hundreds of other stores in office supply stores and on Staples.com.

Office supply stores also sell Visa and Mastercard gift cards that can be used anywhere.

At Staples, you can buy a $500 Visa gift card for $505.95, which would earn 2,530 points. Those points are worth much more than the $6.95 fee.

However those stores also often run promotions that I write about when you can buy the Visa or Mastercard gift cards without paying fees.

You can use these gift cards for purchases anywhere, while earning 5 points per dollar!

eGift cards sold on Staples.com:

Gift cards sold in Office Depot/Office Max stores:

  • Advance Auto Parts
  • Amazon (Valid for anything from Amazon and can be saved to your Amazon account)
  • Amazon Fire (Valid for anything from Amazon and can be saved to your Amazon account)
  • Amazon Kindle (Valid for anything from Amazon and can be saved to your Amazon account)
  • AMC Theaters
  • Aeropostale
  • American Eagle
  • Amtrak
  • Apple
  • Applebee’s
  • Banana Republic
  • Barnes & Noble
  • Bass Pro Shops
  • Bath & Body Works
  • Bed Bath & Beyond/Buy Buy Baby
  • Big Lots
  • Blomingdale’s
  • Boost Mobile
  • BP/Amaco
  • Buffalo Wild Wings
  • Build-A-Bear
  • Burger Kind
  • CVS
  • Cabela’s
  • Calm
  • Carnival Cruises
  • Catherine’s
  • Cheesecake Factory
  • Chili’s
  • Chipotle
  • Claire’s
  • Coldstone Creamery
  • Cracker Barrel
  • Crate & Barrel
  • Dairy Queen
  • Darden
  • Delta
  • Denny’s
  • Dick’s
  • Disney
  • Domino’s
  • DoorDash
  • eBay
  • Eddie Bauer
  • Express
  • Exxon/Mobil
  • Fanatics
  • Fandango
  • Finish Line
  • Foot Locker
  • Forever 21
  • Gap Inc/Athleta/Banana Republic/Old Navy
  • GameStop
  • Google Play/YouTube Premium
  • GreenDot
  • Groupon
  • GrubHub
  • Home Depot
  • Home Goods
  • Hotels.com
  • Hulu Plus
  • Ihop
  • Ikea
  • iTunes
  • J. Crew
  • Jack In The Box
  • JCPenney
  • Jiffy Lube
  • Jo-Ann Fabric
  • Justice
  • Kohl’s
  • Lands End
  • Lowe’s
  • Macy’s
  • Michael’s
  • MoneyPak
  • Netflix
  • Net10 Wireless
  • Nike
  • Nintendo
  • Nordstrom
  • Nordstrom Rack
  • Office Max/Office Depot
  • Old Navy
  • Olive Garden
  • Omaha Steaks
  • Outback Steakhouse
  • Petco
  • PetSmart
  • PF Chang’s
  • Prepaid AMEX (Fee applies)
  • Prepaid AMEX Serve (Fee applies)
  • Prepaid Mastercard (Fee applies)
  • Prepaid Visa (Fee applies)
  • Prepaid Visa Five Back (Fee applies)
  • Prepaid Visa Fuel Everywhere (Fee applies)
  • Prepaid Visa Movies Everywhere (Fee applies)
  • Prepaid Visa Shoes Everywhere (Fee applies)
  • Prepaid Visa Simon Malls (Fee applies)
  • Prepaid Visa Style Everywhere (Fee applies)
  • REI
  • RecRoom
  • Red Lobster
  • Red Robin
  • Regal Cinemas
  • Reloadit
  • Roblox
  • Ruby Tuesday
  • Panda Express
  • PayLo
  • PlayStation Store
  • Sally Beauty
  • Sephora
  • SiriusXM
  • Skype
  • Sling TV
  • Southwest
  • SpaFinder
  • Sports Authority
  • Spotify
  • Starbucks
  • Starz
  • Stitch Fix
  • Stockpile
  • Subway
  • Sunglass Hut
  • TGIFridays
  • Taco Bell
  • TJMaxx/Home Goods
  • The Children’s Place
  • Tracfone
  • Uber/UberEats
  • Ulta
  • Virgin Mobile
  • Wayfair
  • White House Black Market
  • XBox/XBox Live/Microsoft Store
  • Zappos

Gift cards sold in Staples stores:

  • Airbnb
  • Amazon (Valid for anything from Amazon and can be saved to your Amazon account)
  • Amazon Kindle (Valid for anything from Amazon and can be saved to your Amazon account)
  • American Eagle
  • AMC Theaters
  • Apple
  • Applebees
  • AT&T Prepaid
  • BP
  • Barnes & Noble
  • Bath & Body Works
  • Bass Pro Shop
  • Bed Bath & Beyond/Buy Buy Baby
  • Best Buy
  • Blomingdale’s
  • Bonefish Grill
  • Boost Mobile
  • Buffalo Wild Wings
  • Build-A-Bear
  • CVS
  • Cabela’s
  • Carrabba’s
  • Cheesecake Factory
  • Chewy
  • Chili’s
  • Chipotle
  • Coldstone Creamery
  • Cracker Barrel
  • Darden
  • Delta
  • Dick’s
  • Disney
  • Doordash
  • eBay
  • Express
  • Famous Footwear
  • Fanatics
  • Fandango
  • Foot Locker
  • GameStop
  • Gap Inc/Athleta/Banana Republic/Old Navy
  • Google Play/YouTube Premium
  • Groupon
  • GrubHub
  • Happy Beauty
  • Happy Bites
  • Happy Eats
  • Happy Guy
  • Happy Her
  • Happy Lady
  • Happy Teen
  • HBO
  • Hello Fresh
  • Home Depot
  • Home Goods
  • Hotels.com
  • Hulu Plus
  • iTunes
  • Instacart
  • J. Crew
  • JCPenney
  • Kohl’s
  • LL Bean
  • Longhorn Steakhouse
  • Lowe’s
  • Lululemon
  • Macy’s
  • Marshalls
  • Michael’s
  • Neiman Marcus
  • Net10
  • Netflix
  • Nike
  • Nintendo
  • Nordstrom
  • Nordstrom Rack
  • Old Navy
  • Olive Garden
  • Outback Steakhouse
  • Panera
  • Petco
  • PetSmart
  • PF Chang’s
  • Pink
  • PlayStation Store
  • Prepaid AMEX (Fee applies)
  • Prepaid Mastercard (Fee applies)
  • Prepaid Visa (Fee applies)
  • RecRoom
  • Red Robin
  • Regal Cinemas
  • Roblox
  • Sally Beauty
  • Sephora
  • Shell
  • Simple Mobile
  • Southwest
  • SpaFinder
  • Spotify
  • Staples
  • Starbucks
  • Subway
  • Target
  • Texas Roadhouse
  • TJMaxx/Home Goods
  • The Children’s Place
  • TopGolf
  • Total Wireless
  • Tracfone
  • Uber/UberEats
  • Ulta Beauty
  • Verizon Prepaid
  • Victoria’s Secret
  • Virgin Mobile
  • Wayfair
  • Wendy’s
  • XBox/XBox Live/Microsoft Store

These are the gift cards that I’ve found at my local stores. If you find more please post a comment!

Charitable donation:

Your local school or 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 spent on Ink Cash. So while doing good you can still get a nice chunk of points and you’ll save on your taxes!

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 Cash 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.

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 MailChimp, Microsoft, 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 change 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.

Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Ink Unlimited. 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 points per dollar on drugstores, 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.

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

You can also transfer to Hilton at a 1:1.5 ratio by transferring via Virgin Atlantic.

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. They can easily be worth 2 cents each or much more than that!

  • 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 145K or 160K 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 and it’s great to see it make a comeback.

Best of all, this is an epic card to quickly rack up Chase points thanks to 2x and 5x point categories.

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 Unlimited Card. That card offers 1.5 point per dollar earnings everywhere, which is excellent for 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 Cash Card?

Leave a Reply

111 Comments On "Earn A Whopping 90,000 Points On The Fantastic No Annual Fee Chase Ink Cash Card! Earn 5 Points Per Dollar On Amazon And Hundreds Of Other Stores"

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

Thank you

Hi, I have received 4 chase biz cards & 1 chase consumer card in the last 24 months. In my last sign up for the chase biz card last month I was told I cant be accepted bc of 5/24 & that biz cards count against 5/24. Is this a HUDA situation or new law for the time being?

Eddie Hirschmann

Are these all Business card


If you have multiple companies under your personal ssn and have the business cash card already for one of the companies. are you eligible for the new card bonus for the other business and if so can I get a referral bonus to refer from one company to the other?

Shlomo R

I was approved for the Ink Business Preferred card 2 months ago. Any chance I would get approved for the Ink Cash and/or Ink Unlimited?


Between the 4 major business card offers on the table right now (Venture X, AMEX Plat, Ink Cash, Ink Unlimited), if someone had $5K per month of potential spend, what would you suggest they open?


if i got denied and they ask me you already have this card why do you need another one of same card with same buisseiness what should i say?


“If you signed up for this card in the past 6 months with a lower bonus, you can try sending a secure message from the Chase site or app to request a match to 90K points. Post a comment with the results!”

Spouse, sure.
Me, no. After a second very nice follow-up message. Still no.
Some type of algorithm or the rep’s discretion? Im thinking the former.


do i need to be worried about amazon shutting me down if i start adding a lot of gift cards to my account?


just signed up yesterday and approved today for 75k bonus. Is there any way to get the additional 15k


Try calling


I applied a couple hours ago, and after I submitted it said thanks for applying, we’ll review and get back to you. Is that normal, and if so, how long does it usually take for them to review?


Thanks Dan! Applied in early June for both cards got approved for 1 within a few days, and for the 2nd one about 2 weeks later. SM asking to be matched yesterday and was thankfully matched


I thought business cards don’t report to your personal credit but when applied for business credit card, inquiry right away came up on personal credit. So how do you apply for few businesses at the same time? You get inquiry for each business card you open?


If my first 2 are pending should I apply for the third one?


Thanks Dan for an awesome site.
I know you always disclose regarding treating credit cards like cash.
Just thought I’d share a personal experience for the readers: I sighed up for this card – actually two of them – with the 100,000 points offer. Unfortunately, I ended up spending more than I should have to get the bonuses (albeit some relevant purchases). I’m working to clear the balances of both cards before my introductory 0% APR ends, but it’s definitely a scramble.
The $900 cash back won’t rescue you.
I’m not bashing this offer or anyone who can make good use of it. I’m just sharing my very recent experience for anyone who might want to reevaluate.
Have a gmar chasima tova!


are you sure you had 100,000 bonus on the 0 apr card? as far as i remember these two things don’t go together, either you get 90,000 or its not 0 apr.


Can you get the same card twice for the same business?


I signed up with ur link. Can I pay the bill with a personal bank account?


Hi I just got approved for a chase ink unlimited card on Friday September 22. I applied through a link before the promo bonus was announced but got approved after the promo bonus was announced. Will I get the bonus? Does it go after the application time or the approval time?


I got this card under my name not a business in pass 6 mts , can I get the bonus again doing it under my name?


I got my Business ink cash card with 75k a little under three months ago. I messaged them and they said they’ll credit the other 15k to my account.
Thank you.

Azis Papa

Nice. I just got the Ink Unlimited a little under 3 months ago. Do you think they will match me to this offer? Can you share how you messaged them to get a successful outcome?


i already have the ink prefered so which would you recomend the cash or the unlimted?


Does 3 card opening still work?


How much credit limit are people usually getting for sole prop business?
I got a 6K credit limit which is absolutely required for the bonus!


I’m only seeing a 75,000 point bonus. Is this deal dead?


Does Chase do virtual numbers right away? Or you have to wait for the physical card


Can I open these if I got closed down from chase?


Is the link down? When I click the link to open the card, the link doesn’t work.

“This site can’t be reached.”

@Dan, please advise.



Chase is telling me my Business Ink Cash card doesn’t qualify me to transfer my points to partner airlines. Is there a work around for this?


is lost luggage covered when you only use the card to pay for the elal upgrade fee?


plus 1 curious


Anyone have experience trying to get any of these ink offers after just getting them the last round about a year ago under same name and same business?


I applied for both my self & my wife. Got denied for both. I called for my wife & was told 3 reasons 1)5/24 2) Business experience… they were only bothered about 5/24. First lady told me that she cant cant tell me what credit cards I have since she doesn’t have access. I kindly asked 3 times to be transferred to a manager. She then begrudgingly transferred me to a manager even though she told me she wont be able to help. Manager went through the cards. 2 of which were AU b”H was approved. THANK YOU!!

However I really fall into the 5/24 rule called 3 times been escalated to a manger I used all the tricks & have still been told “THERES NOTHING TO DO’ b”H. They seem to be very strict on this.

Joe stein

Hi I somehow don’t get approved for business cards I don’t know y I get approved for every card except business is there anything I could do thanks.

aaron shapiro

if i got ink cash sign up bonus in last year can i get it again now?


I’m a little confused I have the Chase ink businesses premier but they are not letting me transfer the points into united to book a mileage ticket. My dad has a Chase sapphire. Any work around? Thank you!


got approved for the ink unlimited and ink cash today got 6k and 4k on the ink cash wasnt approved right away just had to call up for verification which was just a one time passcode text


I signed up a while back. This is my only cc card. To utilize for airline xfer do I need to be a cardholder of other chase cards? I ask b/c I do not have the option to xfer pts in my account.


Applied for both and it says that they’re in review. Any idea how long this could take?


Are they now approving cards aggressively as in March? At that time I got 6-7 cards


Was approved in July, secure messaged and got extra 15k points


I got this card in July with the 75K bonus points. I called Chase and they were able to match it for me and I got the additional 15K points.
Thanks Dan!


Will I get a higher credit limit If I write a bigger number on my estimated monthly spend on this ink card by the application or a smaller number?


I’m order to make the spending threshold of 6k in 3 months the 3 months go after the first three statement balances


I have several Chase Credit Cards and suddenly I cannot Combine points of 2 different credit cards. What do I do now?


i applied when the bonus was 75,000 i took @Dan advice and secured messaged them if asking if they can up the bonus to 90,000, they said i should get back to them once i spend $6000, I just spent the $6000 and contacted them again, and the added the addition 15,000 to my bonus


Is that 90,000 points or $900 or is that the same thing?


Hi Dan. Got this card based on your recommendation so thanks for that. Trying to purchase Amazon gift cards at office stores to get the 5% but somehow they always get charged by third-party vendors so I only get 1% 🙁 do you have any direct links to cards that will earn the 5% back? Thanks in advance!


hi, id like to open one of these biz cards, just if they ask for verification, I have no tax statements even personal. all I do have is credit card bills, is that enough?


Hi Dan I signed up under sole proprietor. Using my name as Business name

they want me to fill out a w9 document any Ideas?


Can you combine Chase business and personal UR points? Under combine points in my biz acct it is not showing personal as an option. Do I have to call?


Have you combined business and personal account under the one login yet?


Does anyone know if property tax can be paid with this card? I have Chase Ink Preferred and I was not able to pay the property tax (not income tax).


Dan, I have a great Credit Score and haven’t opened a new card in years. I have a legit biz with an EIN too. I’d love to know what can I do that will give me THE best bang for my buck… Should I open two under my biz and 2 under personal Social? Is that doable? Or just 2 and that’s it. And which are the most lucrative to go for? Thanks!


Hi, Got approved for the ink business cash, what’s another card that I can combine it with? Will it be another hard pull if it’s a week apart from the first approval?


Any problems with signing up for all three ink cards at the same time under same EIN?


Just signed up and got approved with only a $4000 credit line. In the past I’ve been approved with much higher credit lines. How can I get this credit line increased?


I currently have 5 chase cards open, 3 personal and two biz, my last chase card was personal, opened a few months ago. Am I green to open a new Chase Ink account/ I’m scared for a shut down.


I want to open Ink Unlimited, however I have a balance on my Ink Cash that I’m paying minimum payments (still in the 0 APR period) will this hurt my chances to get approved?


Wanna apply for Ink unlimited, can I also separately ask (in same day) for a credit limit increase on my personal cards, an and will still get only 1 inquiry?


Do I need a actual business to get this card?


Just got denied for the Cash Card, they told me the reason is one of these 3
(1) You have too many active accounts or too much available credit
(2) Low usage of Chase credit line(s)
(3) Business too new
Should I try to call them up, or just give up on it?