INCREDIBLE! 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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Update: Get this offer before it expires!

90,000 points is an incredible offer for this card, and Ultimate Rewards points are very versatile, as can be seen from the current El Al Black Friday sale!


Chase Ink Cash 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 is an identical bonus on the Chase Ink Unlimited 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 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 send a secure message from the Chase site or app to request a match to 90K points. 


Annual fee: 

None


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 Cash 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 annualcreditreport.com 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 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 1.87% 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, 16.24%–22.24% variable APR.


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. Typically a $200 gift card costs $206.95, which would earn 1,035 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
  • American Eagle
  • Applebee’s
  • Banana Republic
  • Barnes & Noble
  • Bass Pro Shops
  • Bath & Body Works
  • Bed Bath & Beyond/Buy Buy Baby
  • Blomingdale’s
  • Boost Mobile
  • Buffalo Wild Wings
  • Build-A-Bear
  • Burger Kind
  • CVS
  • Cabela’s
  • Catherine’s
  • Cheesecake Factory
  • Chili’s
  • Chipotle
  • Claire’s
  • Coldstone Creamery
  • Cracker Barrel
  • Dairy Queen
  • Darden
  • Delta
  • Denny’s
  • Disney
  • Domino’s
  • eBay
  • Express
  • Fandango
  • Finish Line
  • Foot Locker
  • Forever 21
  • Gap Inc/Athleta/Banana Republic/Old Navy
  • GameStop
  • Google Play/YouTube Premium
  • GreenDot
  • Groupon
  • Home Depot
  • Home Goods
  • Hulu Plus
  • Ihop
  • 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
  • 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
  • Red Lobster
  • Red Robin
  • Regal Cinemas
  • Reloadit
  • Ruby Tuesday
  • Panda Express
  • PayLo
  • Sephora
  • Skype
  • Southwest
  • SpaFinder
  • Sports Authority
  • Starbucks
  • Stockpile
  • Subway
  • Sunglass Hut
  • TGIFridays
  • Taco Bell
  • TJMaxx/Home Goods
  • Tracfone
  • Uber/UberEats
  • Virgin Mobile
  • 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
  • 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
  • Chili’s
  • Chipotle
  • Coldstone Creamery
  • Cracker Barrel
  • Darden
  • Delta
  • Disney
  • eBay
  • Express
  • Fandango
  • Foot Locker
  • GameStop
  • Gap Inc/Athleta/Banana Republic/Old Navy
  • Google Play/YouTube Premium
  • Groupon
  • 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
  • J. Crew
  • JCPenney
  • Kohl’s
  • LL Bean
  • Longhorn Steakhouse
  • Lowe’s
  • Macy’s
  • Marshalls
  • Michael’s
  • Net10
  • Netflix
  • Nike
  • Nordstrom
  • Old Navy
  • Olive Garden
  • Outback Steakhouse
  • Panera
  • Petco
  • PetSmart
  • PF Chang’s
  • PlayStation Store
  • Prepaid AMEX (Fee applies)
  • Prepaid Mastercard (Fee applies)
  • Prepaid Visa (Fee applies)
  • Red Robin
  • Regal Cinemas
  • Sally Beauty
  • Sephora
  • Shell
  • Simple Mobile
  • Southwest
  • SpaFinder
  • Spotify
  • Staples
  • Starbucks
  • Subway
  • Target
  • Texas Roadhouse
  • TJMaxx/Home Goods
  • The Children’s Place
  • Total Wireless
  • Tracfone
  • Virgin Mobile
  • Wayfair
  • Wendy’s
  • Uber/UberEats
  • Ulta Beauty
  • XBox/XBox Live

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.


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 Freedom 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+Freedom 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 or use the pay yourself back feature. Read more about Freedom Unlimited here.

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 epic card to quickly rack up Chase points. 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

200 Comments On "INCREDIBLE! 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.

C

Do you have to have a business to open this card?

Zalmy

I recently signed up for Chase Ink Preffered 1000k. I’ve spent about 8k toward the $15k required.
Would they honour downgrade to this card and give the 90,000 points based on the above offer?

Zev

2 questions.

1. Is the ink unlimited offering the same bonus?

If I applied last time with my SSN as my tax ID, (less then 24 months ago( is it possible to get approved again with my SSN automatically without needing to call in explaining about different business etc. ?

Moshe

I only have 1 x EIN, am I Able to get more then one card for this business?

Moshe

How long should I wait after cancelling my current CIC card before applying for this new offer?

Dani

what’s the real bottom line difference between this one and the other post you just posted, the Chase Ink Unlimited Card which also has the same sign up bonus and can I get both?

Joe Kay

I just spoke to Chase and they told me that since i already got the 75,000 bonus I can no longer get the additional points…the only way they would give me the new offer is if I didn’t reach the spend threshold yet and therefore didn’t get the 75k yet….

Gdf

I have perfect credit, already a business account with chase and solid income yet they rejected my application and said they’ll send a letter in 7 to 10 days

el

If my husband has a chase sapphire, Can I transfer the points from this card (which would be in my name only) even though we have separate Log-ins for our chase cards? How would I do this?

radish

What’s a good credit score to be considered for a card like this?

LM

I’m not finding any amazon gift cards on either of those sites. Can you post a link?

el

is there a foreign transaction fee?

Ari

I already have this exact card, am I eligible for this bonus if I get a second one while leaving the first open?

sdd

i did just that. needed to call them tho.

Mr

Can I return after getting the signup bonus or do they taken it back?

Moshe

i applied and got a message that they will let me know in writing about the decision if i am approved…..

anything i can do to call them and convince them?

PG

We have a Sapphire Reserve under my wife’s name that we have no use for (since we get the CSR benefits from a CSR under my name). Is there any specific reason to downgrade my wife’s CSR to a non-fee card versus just cancelling it outright?

Hanna

Hi, can I convert my current Chase business preferred Ink card (since 2019, got 80k bonus) to this business cash card and still get the new bonus? I also have Chase Sapphire Reserve card.

sdd

Can I downgrade my 2 year old Chase Ink Preferred and still get bonus?

R

Does this card grow my credit score?

Randy

Hi Dan – can my wife and I each apply for this card with the same business EIN and each get the bonus? Thank you!

Mo2

Happy to use your link. (Too bad this offer isn’t available for referrals…)

Finally got out of Sapphire 48/mo jail in Sep.

When’s a good time to apply for the preferred? I missed out on the 100k bonus a few months ago and I already have most of the Reserve benefits from other cards so I’m looking for the better SYB and lower AF

d

i could earn 5 points up to 25k spending on each of the categories or 25k spending total of all of them? i

A yid

Thanks so much Dan!!
got approved on the spot!
any reason to use for travel?

Logoc

Dan, sorry for the off topic question. What’s your opinion on 3rd party travel website trip.com? They have a certain flight significantly cheaper than the airlines website. Thanks!

Mo2

“You can get approved and get the signup bonus for this card even if you have other Chase Ink cards”

I currently have open both free Ink cards under Sole Proprietary from a few years ago. Can I apply for them again under Sole Proprietary?
Am I likely to be approved?

Moshe

I have an Ink business plus. Is that the same as the Ink Cash or Ink Unlimited?

Joe

You use to have a pretty identical card advertised together with this card, is that one also this same signup bonus? Can I open both of those cards and open the Business Premier card that you recently advertised that gives 2.5% for $5,000 and over. So 3 cards opening in same day. I am looking for high credit line, income only about 100k, so I want to merge all 3 credit lines to 1 card – after I get the opening bonuses obviously…

Menachem

Can I refer someone to think deal? Refer a friend is only letting me send to the 75k deal

M

SHIPS TO ISRAEL ?

esrs

So they don’t report to the credit agencies. So is there a credit pull when you sign up?

Andy

I just applied for the Chase Ink Cash Card card yesterday and was approved. But since I dont have any EIN and had applied using my SSN, it did hit my personal credit report and got added as a new inquiry. This is just for awareness for anyone planning to apply using SSN instead of EIN.

22

I’m opening a business, prob won’t make money this year.
What should I write is my business annual income?

matt

in april 2018 i got a bonus on a different chase ink card, then a yr or two later downgraded to chase ink cash. now the business still has this chase ink cash. will this same business be eligible to get this card and get the bonus again?

Sam

Thanks Dan!
Applied, got a pending email, called up reconsiderations and got approved!!
Will Chase get suspicious if I spend all $6K on Amazon GC from Office Depot in one or two months?
Is that grounds for getting account closed?
Anyone have any experience with this?
Thanks!

Sam

Hi Dan(and all),
I’m looking for additional ways to to hit the $6K in 3 months. Would you know of any Jewish organizations that will take, say Amazon GC’s or something of the like?
Thanks!

Sinosoul

Any idea when this 90K bonus offer will end? TIA.

K

Does this card have foreign transaction fees

y

Applied as sole proprietorship but by mistake didn’t put my name as the business can i just reapply with my name as the business name? Thanks Dan

......

I just got approved for the ink unlimited- I’m not seeing the card in my chase app? Cards usually show up right when I get approved. How can I access the ink card?

David

@dan would funding a new bank account with a credit card raise a red flag at chase?

AE

If I open this in the name of my business LLC, will they make me send in paperwork? What about as a sole proprietor?

Aryeh

I opened a business checking account a few weeks ago and received this card with a promotion to receive 75,000 points. Any chance I can still get Chase to match me this offer? If so what would be the best way for me to ask?

jonny

got approved using your link, thanks!
I guess I need to create a business login. Is it simple to move the points over to my personal chase account once I earn them?

Aaron

Good hack to reach the 6k spend if you can’t reach it naturally or got multiple cards. – PayPal yourself/spouse $6k as a business – which will be counted as a purchase (not friends and family) you’ll pay 2.9% which comes out to $174 which is well worth it to receive 99,000 UR points which at an easy value of 2 cents is worth about $2,000

Moshe

PSA: chase did a double hard credit pull on me when applying – TU and Experian (2 days apart) for same app. Never had this before.

Max

I applied for this offer through a referral from my brother. Got a response that it is under review… I only realized after that with the referral it is only 75k instead of 100k. Any idea’s how to go about this to reapply or redo the application for the 100k? I have not been approved yet, Can that help?

Aaron

You can ask them to update it to the current offer of 90k which they’ll do but you’ll still have to spend $7,500

1234321

How long does it generally take to receive the card in the mail once approved?
And is there any any to start using the card for online purchases before it arrives?

Chavi

if i apply for ink cash card in Business name EIN and have a Sapphire preferred in my own name SSN both at same address, will I be able to transfer points from the Business Card to the personal sapphire? any specific instructions on how that is done?

Y

Hi Dan,
I enjoy opening new cards getting the bonuses its both earning $ and fun.
I’m just mixed up if/how much to care for credit checks, Any guidance for how to juggle this?
Thank you!

Jack

I have a sapphire card.
Is there a way to transfer points to a friend’s chase account?
Or is there a way to transfer points to their airlines account?

Jack

Random question here,

Can I book for a friend on air canada using miles?

Stuck

I never open much credit cards but I Applied for this one, but it’s pending. I see you wrote to call business reconsideration for this. They said allow 48 hours. I wanted to also apply for the other ink card today. Any advice what I should do? I wrote my projected monthly spend is 50k. I hope that didn’t mess it up. Thinking maybe since they might have me in their system as a shnuk with just a regular income and credit score 740. Maybe that raised red flags? Otherwise I just followed your instructions as sole p…

Traveller

If my business is relatively small with a corresponding small income ie a few thousand a year, is it still possible to be approved for this card? Can I include household income even though it’s a business card?

Sasha

Dan, I currently have this card, am I allowed to get another?

Boomie

Inc unlimited site says u earn 1.5% on purchases made for ure business. DOes it exclude personal purchases?

YGX

I applied and got a voicemail that they need to ask me some questions. Last time I did this they conducted a detailed and prolonged interview where I felt like a real liar making stuff up as I went along, trying to guess what they wanted to hear. It doesn’t feel worth it to me.

NMN

Here was my experience.
I have great credit with a very small side business. I applied last Friday and I was initially rejected. I called recon and they told me that it was because of 5/24. After explaining that it was due to being an authorized user, they began their detailed interview about the business etc. At the end they said they couldn’t approve it on the spot and I should hear from them by mail in 7-10 business days.
I was debating if I should call again after I receive the rejection letter, but to my surprise the card came today!
So it’s definitely worth a try even without a major business.
Hatzlocho!

mordche shlomyack

thanks! how are they considering the credit line they provide you? will make a difference on the amount of Revenue or monthly spending amount? (should i enter a bigger amount at monthly spending or the lower the better?) pls help me. TIA

Momocc

I just got the ink business preferred 100k bonus after spending 15k. Can I still get this bonus?

Aryeh

I had just gotten this card with a 7.5k spending threshold/75k points. Now I SM’d them a request to match me this public offer, to which they agreed to manually add another 15k points upon receiving my original 75k, but they did not agree to lower my spending threshold to 6k

s.w

had a united chase card few years ago that was defaulted but worked/fixed credit which is very good these days, would you reccomend applying for this card since its a chase card and might have some flags on my name? i also have a business name i recently opened planning on growing it…if you reccomend applying which would you advise the business name or personal name?

larry

how do you downgrade this card

larry

there is no reason to downgrade this card. it has no annual fee

barry

does the msg on the phone saying you will receive a decision in 7-10 days mean denied on business cards also or just personal

Cee

Have more than one business. I was approved for the Ink Cash card for one business and declined twice for my other businesses (even though they have different EINs). Have I reached the Ink Cash card limit because they recognize my SS number? I prefer the Ink Cash Card to the Business Unlimited card. Maybe they would approve the Business Unlimited Card? I have not tried that one yet because I prefer the Ink Cash Card.

Steve

Instantly approved for this card with $3,000 line as a new business. I’m right at 5/24 but one of my cards is Helzberg credit cars which appears on my credit report but I can’t use it outside the store. In December I will be below 5/24. Either they relaxed the rules didn’t include the helzberg account or combination or factored into me being almost 24 month for two to dep off. I dk but i am pleasantly surprised to be approved.

Roy

Approved using your link! thanks Dan, another card thanks to your detailed posts!(:

Jj

Hey Dan. I applied for this card and was denied :/ tried calling the number you posted and asked to speak with a application specialist. They told me that the applications are computerized and they cannot reconsider. Do you suggest?

Parnes

I applied and the site told me that I’ll be notified within 7 – 10 days but I didn’t get any email about having applied for the card, and being that I am at 5/24 but one card I’m just an additional I called chase but they say they don’t see an application, does that mean that my application didn’t go through?

S.m

Does adding additional user offer same bonus point for each card?

Boruch

You wrote”Charges made directly with all cell phone service providers” what does that mean? Any purchase made via phone gets you 5 points?

mordechai

my wife was just approved for chase freedom through her chase app but really wanted to try for sapphire card so can transfer ink points, would they consider changing it to sapphire instead, would they do that?

Mendy

I already have this card. Do you recommend that I close the card that I currently have before applying for a new card or it’s not necessary?

Simon

How much time should one wait between different ink applications? Is it 1/30 or 2/30?

CO

if i already have an ink business cash card, do in now get 5x on amazon, in addition to getting 5x on office supplies and internet/ phone company purchases?

peachsnapple

Can I transfer a credit line from another Chase business CC and thereby increase my 0% APR credit line?

Ben

Yes just SM them

CO

i was just on the phone with chase. i asked if i already have a business cash card, can i get 5x on amazon. they said, no, we are only offering 90k rewards as points, and the 5x from office supply stores and internet companies. where did you hear this from? i read her the heading of your post. she told me it was slightly misleading. you get 5x on amazon only if you get the TARGETED promotion and shop through CHASE’S WEBSITE.
please clarify your post. it states that everyone can shop directly on amazon.com with a business ink card and get 5x.

Andre

The guy that spoils the party……..

esrs

Just got approved using your link! Thanks Dan for your support and help!

fennel

hey Dan, quick questions regarding the 0% APR.

If I get approved for a $10,000 CC – I don’t get charged ANY interest for the first 12 months?

So does that mean if I have statement of 2000 or 8000, I can pay minimum payment (ie $40) without any fees or accumulating interest for the first 12 months?

-AB

Adam gvili

How would this be economical when you’re paying 5-6 percent in fees to purchase these gift cards?

Also can I open one for my business under the tax ID and one under my social? And would I be able to combine the points from both?

louis

how high or low of a credit score do u think i would need to get approved

Enigma

I have applied for both cards on same day and got approved on both after a quick call but no explanation was needed. Rep just reviewed the application and pushed it thru for approval.

already have INK UNLIMITED

If I got the bonus on the Ink business UNLIMITED, can I still get the bonus on the Ink CASH?

Da

Hi Dan, I just got approved using your link with 6k credit limit.

I want to keep my total credit utilization under 30%, does this business 6k limit get included into my total personal credit limit?

Will it affect my credit score if I call to request a credit increase?

BaltimoreGuy

I just received the card in the mail after applying using your link. I went to Staples to buy some Amazon cards and couldn’t find a single one. I asked a guy working behind the counter, and after first directing me to a carousel of cards, where there were none to be found, he then “found some” behind the counter, but he would only sell me a maximum of two cards, despite having many more. He was nice about it but was asking why I wanted it. I guess they get overrun with requests for Amazon cards and couldn’t figure out why.

Mendy

I got approved using your link.

New2thegame

Where can I find a tracker for my spending towards the signups bonus?

Pablo

Applied today 11/23 as sole proprietor, $100k income, expected average monthly spend of $5k, and received nearly instant approval (< 1 minute) w/ $5k credit limit. Thanks, Dan!

Maverick

Are we going to get advanced notice before this offer expires?

Joe

Hello Dan, I have an existing business unlimited card, am I still eligible to get this card in addition?

Barbara

It’s showing $900 cash back now not 90,000 points

dave

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

UncleMo

Rejected, letter states

We based our decision on the following reason(s)

Delinquency or other derogatory relationship with our bank
Credit card balances are high compared to the age of the accounts
Insufficient business deposit relationship with us

Any point calling Recon? Have several personal cards with Chase, 10+ years banking relationship. Chase Proprietary Score shows as 847 (Experian Fico 8 is 749. I wonder if it’s because I shut a biz checking account a few months ago. This application was for a new biz though (I don’t have a biz checking acct for it yet)

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