Final Day For Increased Signup Bonuses On Chase Ink Cards

DDMS IconNever Miss Another Deal - Follow DansDeals on Facebook

Update: DEAD!

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

Originally posted on 05/01:

-Chase Ink Plus Credit Card 60K Limited Time Offer
-Chase Ink Bold Charge Card 60K Limited Time Offer
-Ink Business Cash® Credit Card Credit Card 30K Limited Time Offer

The Chase Ink business cards are some of the best credit cards out there.

For a limited time only you can earn additional bonus points for signing up for them.
Last week the limited time increased bonus for these cards lasted just 1 week, though I don’t have any information on when it will end this year.

The bonus for the Ink Plus and Ink Bold cards is temporarily increased from 50,000 to 60,000 points for spending $5,000 within 3 months.
The bonus for the Ink Cash card is temporarily increased from 20,000 to 30,000 points (they advertise this as $300, but it comes in the form of 30,000 points which can be far more valuable than cash) for spending $3,000 within 3 months

Typically if you got a Chase card within the past couple months and the offer increases they will match the better offer for you. Just send a secure message to request that when logged in at

Here is a chart with the differences between these cards.

Ink BoldInk PlusInk Cash
Signup Bonus50,00050,00020,000
Spend Threshold$5,000 in 3 months.$5,000 in 3 months.$3,000 in 3 months.
Type of cardCharge Card: Must be paid off in full every month.Credit Card: Can be paid back over time. Credit Card: Can be paid back over time.
Annual FeeNone for the first year, then $95None for the first year, then $95None
Points transfer into miles?YesYesNo, but they can be transferred if you or your spouse also has a Ink Bold, Ink Plus, or Chase Sapphire Preferred® Card
Annual limit for 5 point per dollar categories$50,000 of spending.$50,000 of spending.$25,000 of spending.
Double point categoriesGas and HotelsGas and HotelsGas and Dining
Foreign Transaction Fee0%0%3%
APR for purchases and balance transfer.N/A15.24%0% intro APR for 12 months then 13.24%

As you can see, there’s no major difference between Ink Bold and Ink Plus other than charge versus credit.  One advantage of Ink Plus would be that you can shift credit lines to that card to get it approved and if you ever decide to close it, you’ll be able to shift the credit line elsewhere.

A great thing about these business cards is that they don’t report your spending on your personal credit report.

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

On a business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. Plus if you close a business card it won’t ever have an effect on your score.

On a card like Ink Cash with 0% APR for purchases and balance transfers for 12 months you can owe money without having any negative effect on your credit score.

Benefits on all Ink cards:

All Ink cards give 2 free lounge visits per user, even on free additional user cards. Here is a link to find valid lounges worldwide. Lounges include the Dan Lounge in Tel Aviv and the Art & Lounge in Newark which both have kosher food.

Ink cards are now all issued as Visa cards, so you can register them for Visa Savings Edge.

With that program you earn cash back on top of points.  You’ll earn 1% cash back at Staples, Chevron, and Texaco, 2% cash back at TigerDirect, 4% cash back at Alamo and National, 5% cash back at Lenovo, Sony, and several hotel brands, etc.

Plus all of the Ink cards offer 5 points per dollar on internet/cable service and telecom purchases, so that’s a nice rebate when you purchase a new cell phone and off your cable bill.

They also earn 5 points per dollar at office supply stores. There are hundreds of gift cards sold by office supply stores.

-Upgrading at your local carrier’s store to an iPhone or Galaxy? 5 points per dollar.
-Buying gift cards for gas? 5 points per dollar plus you’ll pay the lower cash rates at the pump.
-Buying gift cards for Amazon, Gap, Groupon, Kohl’s, Macy’s, Marshalls, Nordstrom, Southwest Airlines, TJMaxx, etc? 5 points per dollar.

At Staples of course you would earn 1% cash back plus 5 points per dollar.

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

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

You can buy $200 Visa gift cards (now sold online from Staples) that earn 1,000 points and can be used to pay bills with EvolveMoney, uploaded to Bluebird or used for cash back, bill pay, money orders, etc. Or you can use them for everyday spending thereby getting 5 points per dollat on everything you buy anywhere via the Visa gift cards.

The Bold and Plus cards offer 2 points per dollar for spending on gas and hotels (plus 1%-5% cash back with Visa Savings Edge)
The Cash card offers 2 points per per dollar for spending on gas (plus 1% cash back with Visa Savings Edgeand dining.

Point Currency:

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

Transfer partners include:
Singapore (Star Alliance) offers private walled-in first class suites that can only be booked with their miles. A suite one-way from JFK to Europe is 57,375 miles. Travel to the US48, Hawaii, Alaska, Europe, and Israel can all be had on the cheap. There are no close-in booking fees and changes and cancellations are very cheap. Fuel surcharges apply when flying on most airlines besides United. More info here.
United (Star Alliance) is still an excellent currency, even after their devaluation a few months ago.  They never charge fuel surcharges, have very flexible routing rules, they allow one-way awards for half the mileage, they have short-haul awards for 10,000 miles, they allow for a stopover and an open-jaw so that you can really maximize a single award ticket into several free trips, and they have dozens of partners to fly on, most of which can be booked on their website.
British Airways (OneWorld) is awesome for short-haul awards. Just 9,000 miles for a round-trip zone 1 or 15,000 miles for zone 2 short-haul award. The zone 3 award for 25,000 miles round-trip can also be a bargain, for example for flights between the west coast and any of the Hawaiian islands or between Boston and Ireland with no fuel surcharges. Flights to Israel on USAirways or Air Berlin are just 60,000 miles with no fuel surcharges. They allow one-way awards for half the mileage. There are no close-in or expedite fees. You can cancel an award for as little as $2.50. Infants are only charged 10% of the miles on international trips instead of 10% of the full fare like US carriers charge. Plus they don’t collect fuel surcharges on AA within the western hemisphere, on Qantas within Australia, on USAirways, Air Berlin, Aer Lingus, Alaska, or LAN and you can transfer points to Iberia to limit fuel surcharges there as well.
You can read more in the BA knowledgebase. And you can see 102 places you can go to nonstop from NYC with Avios.
Korean (Skyteam) offers unbeatable first class availability (A380 First Class Trip Report here) and they also have true bargains on partner travel, just 30,000 miles to fly round-trip on Hawaiian or Alaska to Hawaii in coach or 60,000 miles in first. And it’s just 20,000 miles to fly to Alaska in coach or 40,000 miles in first. You can even get a free stopover on the way to or in Alaska!
Southwest offers a value of about 1.7 cents per point towards award travel.  Plus you get 2 free checked bags, free flight changes or flight cancellations. and you can even get a point refund if the price of your flight goes down. You can also transfer points to Airtran for flat-rate awards like business class upgrades or free tickets at a flat rate instead of a rate that corresponds to the ticket price. From Airtran they can even be converted back into the old Southwest program that also offers flat rate awards.
Virgin Atlantic has some niche uses with awards on Delta and Cyprus Air.  For example a round-trip from Tel Aviv to Cyprus is just 5,000 miles!
Hyatt is a powerful hotel currency. They have added a new cash and points option that offers some excellent values and more importantly those stays earn points, elite stay credits, promo credits, and you can use suite upgrades on cash and point stays as well.  It remains far less expensive for high-end hotel stays than any other hotel program, a $1,500/night villa at the Park Hyatt Maldives would run just 25,000 points or 12,500 points+$150.
You can also funnel points through Hyatt to Southwest to qualify for a free Southwest Companion Pass which gives you a free companion every time you pay for or redeem for a free ticket.
-You can also transfer points to Marriott, Ritz Carlton, Priority Club, and Amtrak. I’ve never been on an Amtrak in my life, but some people have reported getting some really nice bargains on Amtrak travel via their program.

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

Yes, the Ink cards are business cards. But you may be already running a business that qualifies for a business cardand there are several huge advantages that business cards have over consumer cards as you can read here.

For example if your name is Joe Smith and you sell items online, or if you have any other side business/hobby and want a credit card to better keep track of business expenditures you can just open a business credit card for “Joe Smith Sole Proprietorship” as the business name. You don’t need to file any messy government paperwork to be allowed to do that.
Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field as well as in the social security number field.

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


Other Chase consumer cards you can apply for simultaneously include the Chase British Airways (50K signup points, 1.25 Avios per dollar, and an annual companion award ticket if you spend $30K+ in a  year), and the Chase United Explorer (30K signup points plus another 5K points for adding a free additional user, and it gives free luggage, free primary car rental insurance including in the US, expanded saver and standard award ticket availability, priority boarding, and more), the Chase Chase Sapphire Preferred® Card® Card (40K signup points plus another 5K points for adding a free additional user, no fee the first year, plus 2.14 points per dollar on travel and dining with no Foreign Exchange fees), the Chase Southwest (50K signup points, 2 free checked bags, no award expedite fees, and no award cancellation fees), and the Chase Freedom (which has a limited time offer for 20,000 point for spending $500 plus 2,500 points for adding a free additional user, it also gives 5 points per dollar in rotating categories and 10% bonus points if you have a Chase checking account).

Leave a Reply

189 Comments On "Final Day For Increased Signup Bonuses On Chase Ink Cards"

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


I’m expecting my new Ink Plus to arrive this week, time to send a secure message! I had a feeling they might be upping the sign up bonus soon when I applied last week.

Second instance of moving a week too early within the past 10 days! Last week I ordered a Kindle 8 days before the $20 off offer popped up. Amazon credited the difference.


if i got approved for a card ink bold a few days ago..can i get the the extra points they are offering,if yes how?


Sorry for the question if it’s been answered before. I had this card previously. How long would you say to wait between before applying again?

Crazy requirements

I signed up a couple months ago for the ink bold, and I received a notification that they needed additional info. The “additional info” turned out to be something that I would imagine an IRS audit would look like. They wanted exact figures for 3 (!) years of cash flow, profit, expenses, debts, capital, etc. etc. etc. I ended up just giving up :/


Should I wait till I meet the spend threshold or PM chase ASAP? For the United 55K+$50 match they say to wait till I meet the minimum.


Thanks Dan, I’ve been waiting for this increase to apply 🙂


Hey Dan,

Any idea of how long this promotion will last?

Also, if I always pay off my credit cards does it make a difference between the bold and plus? Is there any advantage to having a charge card over credit card other then the obvious difference between the two, I.e. Easier approval

Your help is greatly appreciated as always!


For the lounge access where would I find the invitation code that it is asking for? Thanks so much.


Dan, Do you need a better credit score to get approved for Business then a Personal card?


Also, if I applied and got approved for an Ink card a month ago do you think I will be able to get them to match the increase?


Read the post?

There isn’t a time period. Whether you would be approved is based on your credit score.

Doesn’t matter, no need to wait.

I don’t think it won’t last very long. Last year it was just over 1 week.

No major difference between the 2 cards though theoretically Ink Plus gives some added flexibility.

Call the number on the back of your card.

I don’t think so, though some cards, like Freedom, are easier to get than others.

Read the post.


And in general, from which credit bureau does chase pull?


@Mark: @abe:
“Typically if you got a Chase card within the past couple months and the offer increases they will match the better offer for you. Just send a secure message to request that when logged in at”

Ari J

@Abe @Mark Geezz.. dont u people READ what Dan ALREADY wrote?? “Typically if you got a Chase card within the past couple months and the offer increases they will match the better offer for you. Just send a secure message to request that when logged in at”


Would it be easier to get approved for ink bold or ink plus?


There’s no major difference.

I guess I’d go with Ink Plus as you can shift credit lines to that card and if you decide to close it you’ll be able to shift the credit line elsewhere.


Depends on where you live, but reports (and my experience in NY) is NY and NJ are experian.


Don’t believe it matters. I’ve applied for both and when I called recon they let me choose which one they would approve if they were only going to approve just one.


I got this reply from SM
“I wish to inform you that I am unable to locate the first
use bonus offer of 60,000 points offer by Chase. Please
respond to this email with details of the offer and we
will be glad to review it for you.”


can I get the bonus in a diffrent bussines name if I have 1 now ?


So send them a link of the offer.

You can get the same card for different businesses.


I did and got the additional 10K. Thanks Dan!


I’ve read the new Ink cards are VISA.

Can I close my current MC Ink account, and re-apply new? Will Chase see the change as a different product?



You can just apply for the Visa version and explain that only the Visa has the Savings Edge program.


Do you need to actually earn income from the business, or past income will do? to explain, I switched from being an independent contractor (1099) to working full time as an employee (W2) last year. Can I report last years 1099 income as the annual income even though I wont be making any more income with my own business anymore?



If I still have my Ink cards open from last year’s 60k promo and I want to apply under the SAME BUSINESS, is it possible to get the points again and then transfer my credit line and cancel the old cards? Or should I cancel first and then apply?

alyssa t KAPLAN

do not see on the chase website the 60,000 bonus just 50,000. where did you see the 60,000 offer?


How long do you have to wait before you open this card again if you closed it a year ago?


@alyssa t KAPLAN:
Um, click on the links in the post?

If you get approved you’ll get the bonus, there’s no “time limit”.

Greg Z

You rock Dan!! Super easy email, 30 minutes later I’m 10,000 points richer. Thanks!!


@Greg Z:


is there anyway i can load prepaid ( WESTERN UNION, MY VISA)cards or visa GC or OV with a credit card or debit card?


Dan, Thanks for the response!
If i get a “Pending Decision”, can i/should i call reconsideration right away or wait for the notice in the mail?


Hey Dan,

I’m impressed how you respond to everyone.

Any tips on how to apply without a business? Do you have a post about it?




i just applied for united and BA yesterday. live in NJ. what are my chances of getting approved for these ?


Dan, have you ever posted just general tips about how your credit is affected by opening different credit card accounts? I have looked around but didn’t see anything like that. I did see where you say that the business cards are easier on your credit. But I am curious how long you typically keep a credit card and whether you close the accounts after some time to reopen others. I am just looking for general insight before I start opening new accounts and whether or not I should close others and how it affects the credit.


Hi Dan,

In your experience, will Chase cost me to 2 pulls if I do this biz card together with a personal card in 2BM?

David L

My plan is to sign up for this card, but eventually have the Ink Cash card. Which would you recommend? To sign up for the Ink Plus then downgrade to the Ink Cash before the fee hits? Or to sign up for the Ink Bold, then cancel, then get the Ink Cash? (would I get the sign up bonus for both cards by doing the latter method?)


How do you get the activation code for the lounges? Do I PM them?


“Your local school or other charity will be more than happy to accept donations of Amazon gift cards for supplies or any other useful gift cards for chinese auctions, raffles, fundraisers, etc.
They will give you a tax deductible receipt for the full face value-the price you paid for the gift cards. And at the same time you’ll earn 5 points per dollar. So while doing good you can still get a nice chunk of points and you’ll save on your taxes.”

I’m sorry Dan but I think this is wrong, encouraging people to donate to charity in a ‘cheap’ way by giving Amazon Gift cards then the organization has to struggle to liquidate them.

When donating to charity, I think we should give the way the best for the charity (I’m not saying to only write check as opposed to Credit Cards, but Amazon Gift cards?!) not for out point accumulating habits.

Of course you you can argue that it’s money that would otherwise not be donated, but i’m sure that’s not the case as money is money and people won’t decide to give to charity just because of the 5 points earned. I understand that Amazon gift cards are easier to liquidate than others, but it is still a hassle for any organization and cannot be used to the full amount of what the person who donated spent.

At the very least, if we should suggest such an idea, tell people to add 5-10% of the donation to account for the lost funds the organization gets for receiving a gift card. Will people still be running to donate Amazon gift cards..?


Applied, was told to call a # and provide the reference number…

they asked for utility bill etc. proof of business @ this address, when i told them it’s a fairly new business out of my home and bills are in my name, didn’t help… would greatly appreciate any advice on how to get approved…Thanks!


Got my Ink card two months ago and I just sent them a secure message. they responded within 15 minutes giving me the extra $10,000 points! Thanks Dan!!



Thanks for the heads up. I just receive my first ink cards 12/2013 and they still honored the additional 10k points per account after a quick email!

Bonus wanted

Which link do I send them?


Dan I have these 4 cards currently;

1. AmEx Blue Pref Cashback with 6% at supermarkers and 3% on gas and 1% everything else(…isn’t that a good card or should I get more?)

2. Citi Thankyou Premier

3. Discover

2. AAdvantage Bronze (I have some old mileage on it)

Which is the next card I should get? Starwood? Freedom? Ink? etc…

Can I use the multiple browser method to get additional business cards or is it 1 per business?


Just sent a SM and got the additional 10k on both of my cards. Awesome, thanks Dan!

Dear xxxxx xxxxxxx,

Thank you for contacting Chase about the 60,000 bonus
points offer.

Upon review, I see that you have met the spend threshold
for the original offer on your account for 50,000 first
use bonus points.

I am pleased to inform that I have added the additional
10,000 points to your account so that it receives a total
of 60,000 bonus points. You will see this adjustment on
the next statement.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Manleen Anand
Customer Service Specialist


Will I get approved for 2 cards if I apply?


account opened 2 6 weeks ago. Secure message got me instant 10k. Thanks Daniel


Of course.

Start a small business?



It’s YMMV.

@David L:
You can get the bonus for all 3.

Schools can buy supplies, computers, etc, from Amazon.
They can make a chinese auction for Amazon GCs and make more money than the face value.

They don’t need to just liquidate when it’s useful.

Besides people may wind up giving more charity this way, easier to do it when you see the reward.

Say you’re just starting it?


“Starwood? Freedom? Ink? etc…”

Those are all must-have cards. You can always try for a 3BM, YMMV.





@Dan: Do you need to actually earn income from the business, or past income will do? to explain, I switched from being an independent contractor (1099) to working full time as an employee (W2) last year. Can I report last years 1099 income as the annual income even though I wont be making any more income with my own business anymore?



Simple question,
I will overseas for another month, Do you think applying, especially 3BM will trigger fraud etc?

Would you recommend waiting?

Ive been planning on applying for these three for some time.



I punted on answering that the first time you asked and I’m going to punt again, sorry.

Shouldn’t be an issue.

Anyway this offer isn’t going to be around in a month.


@dan; do i need to transfer first to Hyatt then transfer to Southwest to qualify for a free Southwest Companion Pass?




@dan thaks dan you ROCK!!!!!!!!!!

Harry @ PF Pro

I have an ink bold from a year ago(MC), ink plus from a month ago. If I wait 60 days, can I do another bold(visa this time) and be likely to get approved as long as CS is good?

Has anyone had success doing two ink plus’ visas if they are for different businesses? I read you can get one ink plus mc and then the visa version but haven’t seen two of the same version confirmed anywhere for different businesses.


SMed today on the INK bold, and they put in the 10k immediatly. sweet.


@Dan: explain?



Do you have a link for Saphire Preferred?

Was thinking of getting 2 Inks and the Saphire.
I currently have 2 Inks (Mastercards, under the same business that I will be applying for now) and had the Saphire 2 years ago. I have good credit but applied this past month at Barclays and twice at Citi. Do you think I am pushing it too far?


if i currently have ink plus business is it better to close it and apply for it again or apply with a different business name even though its the same social sec #?


I’m finally going to try for the Ink Plus business card. Question – all these places you mentioned above – transfer x miles to so and so, etc. Is this how it works? See how many miles you need for a flight to Israel, say using miles on United. Transfer from UR (that’s the name, right, from Ink plus card?) to United and walla!! Similar to my transferring from SPG to AA for a trip on ElAl? Just want to be clear, please.


not working?


Hey Dan, if I currently have the Chase explorer, sapphire, and British airways, and would like to do a 3bm for the ink cards, is it recommended to close the accounts before applying or applying and then calling if reconsideration must be taken?


Hey Dan, if I currently have the Chase freedom, sapphire, explorer, and ba, and would like to do a 3bm for the ink cards, should I shift all the credit to freedom and sapphire and close other accounts first, or apply first and call and offer to shift credit line and close some accounts if reconsideration is needed


Can I transfer credit line from personal card such as sapphire? dont need it anymore if i have ink… sorry im a noob


Dan –

Chase is claiming that the Ink Cash does not have lounge access — only the Bold and Plus. Do you have any site that I can show them that indicates something different?


Are 2/3BM’s still working for AMEX? I had a friend do a 2BM the other day and they rejected one because of duplicate apps. Only reason I ask is that I’m going to throw some amex’s in on this apporama.


Hi I just got my first ink plus card in February of this year. Is it too quick to apply for another one even though it’s a different business?


Just called recon twice…..very tough HUCA wont seem to work they seem to be catching on. Even though I have several cards with them …great score, never pay late. I offered to close my existing cards..move CL etc.. no dice 🙁 Also when i HUCA’d they knew that i had just tried


@sb In my experience, they won’t transfer credit line from personal to business cards.


@James: If the two browser windows share cookies, you would have ended up submitting two applications for the same card. You therefore need to use two different computers or two different browsers (such as IE and Chrome) or one window in regular mode and the other incognito.


@Steve: There’s nothing to show you b/c the Ink Cash does NOT have lounge access only the premium Ink card.


@Harry @ PF Pro:
I have 2 Ink Plus and 2 Ink Bolds for different businesses, no issues.



Yes, you just have to speak to the right department.

I am enrolled through my Ink Cash card, didn’t have an issue.

Go for it.

-1, HUCA.

Works for me.


@Dan: how? because with western union cards and my vanilla cards they say you need cash to reload?unless they tell you that but you can really reload with credit or debit?


CVS sells OV for credit card.
Staples and OM sell Visa GCs for credit card.


does ink give cdw?


@Dan: and which department would that be lol 🙂



Business reallocation.


Is it possible to get the sapphire bonus a second time after cancelling?


I opened my account in January and got this response:
Thank you for contacting Chase about the 60,000 bonus
points offer.

With the continual changes and promotional offers for many
credit card products we at Chase will always consider
allowing the newest promotion to be applied to any
qualified accounts that were opened within the previous 90
days of the offer.

In reviewing the open date on the account, I regret to
advise that the account is not qualified to participate in
the new enrollment promotion and therefore we are unable
to honor your request.

Although we appreciate your loyalty, we ask that you trust
that this decision is the same for all members whose
accounts do not fall within this designated time frame.
We feel that adhering to the same policy for all members
outside of this designated time frame is the best way to
remain fair and consistent.

If you have any further questions, please reply using the
Secure Message Center.


@Dan: thanks, but i was specifically asking for : my vanilla card and western union prepaid bec those you can go to ATM and cash out.


I did and got the additional 10K. Thanks Dan!


U mentioned that on personal cards it hurts your credit even if u pay on time. So how does it help if u pay most of it off leaving some of the balance over? Won’t it still hurt your credit regardless of the amount of the balance?


Is there any cc which offers bonus points on electric bills like these cards offer for phone bills?


@Dan: Thank you Dan!!!


My credit is really bad but I do have some good credit cards from before I went bad.
1) Do they do a credit check on my SSN when applying for a business card?
2) If someone were to create an Amazon sellers account, would that qualify as a business for business card application purposes?


sent request for the additional 10000 points… was posted to my account within one hour…
thanks for the info…


@Dan – what are my options if I had the bold + plus in the past (and don’t have a business) but closed them over a year ago? Do you think they will give me the bonus?


Thanks for the ‘heads-up’ about the increase in the bonus on the Chase Ink cards. I just received a reply that the 10K was added to my recently accepted Ink Bold card. I also just applied for the Ink Cash and hope to hear that I will get the 30K bonus. Keep sending updates. THEY REALLY HELP !!!
Thank you!!!

Barak Turovsky

Dan – British Airways agent told me that they are charging $55 (recently increased from $40) for changing/canceling award flights with partner airlines. You say it is free – thoughts?


I hope not too far off topic.
If I book a flight using miles and pay the taxes/fees using, say, SP – does the cc travel insurance apply to that trip? Or does the whole ticket need to be paid cash price on the cc?



@Barak Turovsky: Thanks for the tip


@Barak Turovsky:
It is true that $55 is the official cancellation fee. However, for some reason, the way they “charge” the fee is to deduct it from the refund due for the taxes upon cancellation. So, if it was a domestic ticket with taxes of only $2.50, they just wipe away the entire tax refund and give you back your points- they don’t charge you the remaining $52.50 to give you back your points, for whatever reason. This makes $2.50 the effective cancellation fee.
If you had taxes that were higher- then whatever the taxes were becomes your cancellation fee, up to a maximum of $55.
This is why Dan says to book one-ways only- besides it making it possible to change the return after flying the way there, it also lowers cancellation fee from $5 to $2.50


@Yaakov: I actually found something about this right now in my inbox (this is from the Freedom card – don’t know how it works with other cards)


How do I book us airways flight with ba avios? Can I do it on, or need to call?


I got declined,when I called in they said I had credit pull too recently from Barclay which I thought was only transunion since I’m from NY, but I guess it wasn’t the case. I also have an excellent credit score so I’m still not sure why this happened.


rob, they may have pulled TU for your ink. I’ve had chase pull TU before.


chase close my account 6 months ago,may i try to apply for a new card, or its a waist of time?


hey dan –
i attempted the 3bm with these cards. i got 3 automated “we’ll let you know within 30 days.”
is that a standard response or does it indicate that theres a good chance i’ll get rejected?
(also, would such a response entail multiple pulls, as opposed to 3 instantaneous approvals)


Thanks. Got the card a few weeks ago and they agreed to match the current offer.

Needs Help

Hi Dan,
I have a trust with an EIN, does that qualify as a business. It has money that is laying around in a savings account gathering some interest (really not much) will that be sufficient enough for approval of the ink card/s?


Hey Dan and or anyone else willing to help,

I’m pretty new to this still. I completed my application for Ink Plus and didn’t receive an immediate decision. I received an email saying I would receive notification on whether i was approved or denied through mail in the next 30 days.

First question is, if by the time they get back to me the increased sign up bonus is over, will I still be entitled to it because of when I applied?

Second is, what exactly does this mean? Does this mean I was denied most likely? Should I call reconsideration? I could always offer to move some of my sapphire preferred credit line to this card.

Thanks so much!


2 Lounge access with additional user card.
Is this per additional user or just that the additional user can use it.
In other words, if i get an additional user card, do I get 4 lounge visits?


Jeremy – if you get approved, you will get the bonus as it is tied to a hidden code in your initial application.
Almost standards procedure with Chase for business cards to go into pending initially. You might consider the reconsideration call as they just want to make sure you are really applying for a business card and not just blindly submit an app. In the past I have called them the next day and they just have ashed me to confirm my address, or in another case simply the name of the business. Just answer the same as you did in the application and you should be fine.


My husband has a business and he has bold and plus. I would like to open a card with my SSN. Can i use his fed tax ID? I am a manager in his business.

Big Boy

Chase is getting really tough on business card applications.


@BigBoy Care to expand on your comment?


Ditto on that Big Boy. Everything seems to be clamping down now.


Is the 50 k max for the 5 points per card or per account?


Big boy(109)is right. Chase is really though!! 🙁


Just did (last week) together w/ some one 3/4bm, my friend got approved 2 out of 4, called they saying cap of 2 per 30 days.
i did 2 for personal and got it, but one for Business they say you have more then one card more then $1000 in charge, and they didn’t let me to move credit from personal to Business.


Does the 3 months begin when you get approved or when you activate your card?


Hey Dan,

I got denied for the Ink Plus. what can i do? thanks


you do not get lounge access with the ink chase card. it is no longer a benefit of this card



Worked for me 2 days ago just fine.


Will a 2BM work for Ink Cash & Ink Plus?


If I apply for both ink bold and ink plus (2bm) and am instantly approved, can I immediately make a purchase or do I have to wait for the physical card in the mail?


All these cards have a fee after the first yr, what’s the best way to get out of paying it? Do you just cancel the card? Is it kdai to keep the card and just pay the fee?


What’s evolve money? And how’s it diff than bluebird?


With the continual changes and promotional offers for many
credit card products we at Chase will always consider
allowing the newest promotion to be applied to any
qualified accounts that were opened within the previous 90
days of the offer.

Didn’t get them to honor it. Oh well


i applied for the two ink cards however instead of selecting “Sole Proprietorship” i selected “other”!
what should i do?


i want to thank you dan i sent a message to chase that i recently enrolled an ink card and they applied the new bonus offer thank you for all the information


Just got off phone with Chase business. I was scolded for multiple credit pulls this year, using my existing business card for pharmacy purchases (Rep said: “this is all ‘MS’… we read the blogs too”), and told that this will be the last one they approve for a while.

Good news = approved.
Bad news = flagged?


Did a 2BM for Ink Plus and Bold. Took 2 calls and both are approved!


Did they ask you why you need both cards? If yes what did you respond?


Where did chase pull from for NY applicants?

A Canadian


I have the same question, dies someone have an idea?


I didn’t go approved for another ink card becase I have 1 already for another bssines


I’m from NY and chase pulled from my Transunion, I got declined for the card even after calling recon and offering to move some credit around, I have an excellent credit score too


Just got this via SM on INK card.

Dear ******,

Thank you for contacting Chase about the Ink Plus 60,000
point enrollment bonus offer.

Upon further review of the account, our records show that
your account was opened in January 2014 and the 90 day
timeframe to match a higher offer ended on May 1, 2014.
Therefore, your account is not eligible for the higher
offer. However, since it is shortly past the 90 day
timeframe, I am pleased to advise you that I have added
10,000 reward points to the account. This reward
adjustment is available for immediate use and will appear
on the next billing statement.


if i got declined even after reconsideration, when is the next time i should apply?


If I transfer these points to Southwest, could I use those points towards the 110,000 needed for a free companion ticket?

bad credit

i have a credit score of 680
i recently opened a chase bank account, and try to keep 1,500 in account.
will that make a difference for approving?
or is my score too low?


Why not?

You would need to wait.


Well done!


It’s not really a science. Every recon rep has to power to approve or deny.

Transfers to Southwest do not count for companion status. However you can transfer to Hyatt and from there to Southwest for it to count, though you would lost some points in the process.

@bad credit:
Why is your score 680?

Must've been asked already

I got approved for bold with 22k spend limit but got denied from plus because they can’t offer me more credit. Unwilling to transfer credit from bold to plus for some silly sounding excuse, something to do with the fact that the 22k is not really 22k and is a charge card and not a credit card bla bla bla. Does she know what she’s saying or should I try again?

bad credit


because we had to foreclose on a house, 3 years ago.
also had to settle a (chase) credit cards- through amazon.
they shut card and settled on a % of the total.
we paid that off.


applied and said application is pending… called business number and said they will take few days to process credit worthiness? anyone else have this happen? will i be denied? or should i call a different number?


1- ? why is YMMV- your mileage might vary- the answer to CHASE comment #39? He wants to know if he’ll get only one pull using 3bm if it’s for personal and business cards?
2- also- read the archives- does AOR also only pull your credit 1x?


Dan can you give us some new strategies when we HUCA with chase business recon?


@Must’ve been asked already:
That’s the advantage of the Plus card, it has a credit line that can be shifted.
You can ask to change the approval from Bold to Plus.

@bad credit:
Sounds like approvals will be tough in your case.

Because some people report 1 pull and others report 2, so YMMV.

An AOR gets at least a pull from every bank.


Must've been asked already

Do I really want to change the approval from a bold to a plus? I just want to bring over credit which they said I cant because its not “real” credit. I also tried bringing credit from my freedom which has 15k limit, but that too, she said cant be done. Anybody know what is true and what isnt?

Must've been asked already

One more thing – can I sm chase recon for business accounts too? How do I make sure it gets to the right department?



we would like NEW strategies please. past advice has not been working for most of us

also if I have Bold charge card why would I want a credit card? charge card theoretically gives me more “credit”?


Had prepaid debit cards from Staples denied today in adding to Bluebird via When I called customer service, they said that the message “For security reasons, you are currently unable to add funds to your Account in this way. To fix this, please call Account Protection Services at 1-800-660-2454, available 24/7” was because it is a prepaid card. They said that they are now checking that the cards are linked to a checking / savings account. I guess that particular loophole has been closed – they said that you could still add funds at Walmart. YMMV.


if hav an AA CC and then they send me another invitation a month later can i signup again and have two cards and get double the bonus?


@Adamchik: i just used lonked for the first time a visa gift card to blue bird online and it was accepted. maybe i got lucky!


The funds you wanted to move from your VISA ************35984 account to your Bluebird Account were added.


how can i argue with recon if they are saying i opened too many accounts in the last 12 months and they can’t approve more?


After a tough reconsideration agent. I got approved. Thnx.


How many points would I lose in an Ink>Hyatt>Southwest transfer?
Also, could you do a post on the basics of transferring points at some point? I’m clueless. (Pointing me in the right direction in DDF would definitely work too.)



so then what’s the benefit of AOR?


If we switch our Ink from a Mastercard to a Visa do we get the 60k sign up bonus?


@Eli: whats the # for chase recon?


The number for Chase recon

Personal – 888-245-0625

Business – 800-453-9719

I am also of the same opinion, that they became much tougher. One Rep kept me on the phone for more than half an hour with a ton of questions until he finally approved me only for the Ink Plus. A few days later I called back for the Ink Bold. I actually got an extremely nice Rep that didn’t hound me to death. But after putting me on hold for a short while, he returned that he isn’t able to approve the card at this time. I have exceptional credit, I offered to move credit lines. Nothing worked. I asked him outright that in the past it seemed to be much easier to be approved, and maybe he should reconsider. He apologized profusely saying that the guidlines were changed, & he had to abide by them, and being that I was just approved for the Plus he can’t approve me for the Bold.

Looks like the Chase party is beginning to wind down.


I am new to Dan’s Deals. A few things.
1. When a question is posted, would it be possible to print the reply, if there is one, right after the comment or question. Since I am new, I am not necessarily sure which answer belongs to which comment unless I look at who sent it and scroll up and down, which is very time consuming, and a little confusing
2. If I apply for Ink Bold and get the 60000 bonus miles. Can I apply it to any airline whenever I choose to? Can my husband get a card? If so can he get 60000 miles or does he need to apply by himself?
3. I have various really small amounts of miles between me and my kids, American, US airways, United, Delta. All within the 10000 – 20000 range. Is this useless? If not how can I use it?
4. Can I use amazon payments, which I have just heard of today, to pay all of my bills, using the Chase miles credit card that I get? Mortgage, phone, utilities etc?
How do I set up this Amazon account.
5. I would really like to get miles to fly to Israel. Which is the best credit card for that?
Assuming Ink bold is not. It seems as if the bold card is flexible miles wise. Is that correct?


Hi – I have 60k miles on Ink card and would like to use to go to wedding in August from NY to Israel. Any tips? Thanks for the great fun site – it pumps my adrenaline…


Dan- You talk about buying Visa cards at staples and paying bills with them through Evolve. My local Staples store didnt have the $200 Visa cards, only $200 MasterCards. Is there any difference which one I buy if I am just going to pay my bills with them through Evolve? for that matter, is there any difference in the debit MasterCards and Visa cards?

Chaim C

Longtime lurker, and I decided to use your affiliate link for the Ink Plus. Approved today!

just wondering

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


Thanks Dan, got the extra 10,000. Need to sign up for the lounge now and figure out how to transfer points! Thanks!!



50K Ink=50K Hyatt=30K Southwest.
You can also do 50K Ink=50K Southwest, but then those won’t count towards companion pass status.


Only if you signup new do you get a bonus.

1. Click on the new in the reply link to see who I am responding to.

2. You can transfer the 60K points to any airline you want at any time.
A husband and wife can apply separately and each get the 60K.

3. Transfer points into them to get to the bonus you want.

4. There’s lots of stuff you can do. Search for Evolve, Bluebird, Amazon Payments on this site or on DDF:

5. Chase and Ink cards are very good for Israel travel. So are other cards like Barclay Arrival and Starwood.
Search for them on this site to learn more.

Search on and
Be sure to read this about using

Glad to keep the adrenaline going!

Both work for Evolve.

@Chaim C:
Always appreciated.

@just wondering:
Why not use the card for that business or hobby’s use?


Closed Recon on Sunday?

Does that mean we will have two credit pulls by applying today, yet only being able to call recon on Monday? Better to apply on Monday and ask for extra 10K?


Dan, I would like to thank you for never answering my question.


@Closed Recon on Sunday?:
Why would they give you an extra 10K once the promo expires?

The 60K bonus is supposed to end today. Either way you can just ask Recon not to do a 2nd pull.

Over-entitled much?

I don’t even see a comment from you on this post.


If I signed up on Friday and don’t receive an answer for 10 days, do I still get the bonus?




Dan,I don’t know what you mean by “over-entitled much.” But I do know that I faithfully read and support your site daily. I don’t say much, if anything. If you notice in your blog/post “Do you want to boost your credit score,which comes from your link above-huge advantages of bus. cc’s over consumer cc’s.” I’m the very last question(#120). Not hard at all to miss. But in relation to business cc’s and my startup business,I asked you in several other posts(respectfully)that when it asks about revenue,is it safe to put down “0,” especially for a construction business?


Does anyone know if I can pay my chase plus card using evolve money? I searched on the evolve money app but only found chase mortgage payments.


Do you know if I can pay my chase plus card using evolve money? I searched on the evolve money app but only found chase mortgage payments.


Curious about Ssandra128’s question also. I haven’t started my business yet, I only want to use the card for it – but they want to hear that I already have revenue. They denied me and said, “my business is too new”. Truth is I didn’t make much money last year since I’m a student, so that could also be why (credit above 720)


Regarding getting 5x points for upgrading phone…wen I last upgraded, they only gave me one point, and when I called to ask why, they told me it doesn’t apply to equipment, only phone service.

As a result I closed my card, though I’m re-applying now.



Sorry if asked already. If I just opend up both cards 2 weeks ago will they give me the extra 10,000 points if I call them?

not so sure

hey i am trying to use my visa cards via amazonpayments but keep getting a failed transaction. what am i doing wrong. please help


What airline is 60K miles first class to Hawaii? (going from NYC). Thanks. I have lots of amex points as well as chase points.

reb leiv a. reply

waiting fro decision in the mail. fingers crossed dan.If it goes through u benefit too 😉


So I signed up for the Chase Ink Cash and got the “Thank you for applying.
Your application requires further review before we make a decision….” Email. Is this standard, or most people get accepted right a way?


@Lchaim: seems to be standard for the business (ink) cards. you could call up and offer to supply any missing info. reps seem to be very nice and willing to help. i got the same message, called up and spoke to the rep and by the end of the conversation was told that i am approved and will receive the card and welcome packet in 5-7 days. 😉
good luck.


what does ymmv stand for?

David W

Link still working for 60k


Whats the # to call to give them that info?



I just signed up online for Ink Plus. The link is still working (thankful for that!). I tried their phone line but wait time > 10 min so will call later. Thanks to all who have provided posting of their experience. Great community!


I got an email (before the June 1st deadline) that said “Thank you for submitting a credit card application to chase” and they will let me know of the decision through mail within the next 30 days.

Is there something i should do? Should i call to push through the process or sit back and wait?



@anon18 what information did they ask for?


Would anyone out there in the Dans world like to do me a favor with advice abt Chase card. I live in Eretz Yisrael, do not spend much money on credit cards, have a Chase bank acct and have Matmid miles. Is it worth it to get a Chase card ( which one?) to help pay for tickets to travel to NY ( which i do 3x a year and which i could pay with a credit card). Matmid points do not work for me ( if anyone wants to buy them, they r for sale)thx

Rabbi C

Can you pay your chase ink cc bill through evolve?


@Rabbi C: i second that Q – Can you pay your chase ink cc bill through evolve? thanks guys!


Does anyone have a screen shot of the 60,000 point offer? I need it asap please