Update: 9/22/23: This offer is now available again, if you want the best ever odds of getting an Ink Cash and Ink Unlimited card approval with the highest ever signup bonus you will want to apply right now!
I wrote this post about 30 awesome ways to redeem this offer, you can get up to $6,570, 12 flights to Israel, or 73 flights in the US after getting an Ink Cash and Ink Unlimited card for you and a spouse.
I have 13 Ink Credit Cards between me and my wife, you can apply for both cards for you and your spouse at the same time. Chase is making it incredibly easy to get approvals right now, more on that below.
We will continue to break down more benefits and uses for these cards, but if you wait any longer you will miss out on earning the best no annual fee card offer ever!
Quick Recap: The Ink Cash and Ink Unlimited credit cards currently have their best ever signup offers that are ending very soon. You do not need a registered business to get these cards. All you need to do during the application process is select “Sole Proprietorship” and for the business name use your own name! More information on these offers are in the post below or the FAQ post here.
Originally posted 12/13/22.
Chase currently has unprecedented limited time signup bonuses for their no annual fee Ink Cash and Ink Unlimited credit cards. You will want to apply now to take advantage of this offer and high approval odds!
Historically, Ink cards have been among the more difficult cards to get approval for based on credit history, score, income, and other factors, but many readers are reporting incredible approval rates the past few month. I was able to get 9 Chase Business cards to add to my current 31 active cards between my wife and me.
Several readers report that they and their spouse have both been approved for each of those cards. In some cases, that was despite opening the same Ink cards earlier this year, and the bonuses for the new Ink cards are already posting. As long as you’re approved, you will get the signup bonus for any Chase Ultimate Rewards card.
Both cards are offering a 90,000 point signup bonus after $6,000 spending in 3 months. If you and a spouse each open 2 cards and meet the minimum spending requirement, you’ll have between 390,000-438,000 Chase Ultimate Rewards points depending on the categories you spend on. If you redeem those points for cash that’s $3,900-$4,380, but if you redeem them for Pay Yourself Back categories, Travel, or mileage transfers at an average of 1.5 cents each, that’s $5,850-$6,570 back. Improve your redemption value to 2 cents each and that’s $7,800-$8,760 back!
You can meet the spend thresholds by paying your taxes or tax estimates, buying gift cards while earning 5 points per dollar from office supply stores or websites, paying utility bills, paying tuition, donating to charity, and much more.
This bonus is the highest ever for these cards, that coupled with the current ease of approval makes this the absolute best time ever to apply for these cards!
If you are looking for the best Chase credit card for everyday spending, get the Ink Unlimited Card which earns 1.5 Ultimate Reward points per dollar spend.
If you want to maximize points earnings by earning 5 Ultimate Reward points per dollar spent on up to $25K annually at office supply stores (including gift cards to other stores) and wireless/telecom/cable then get the Ink Cash Card.
Note on how to apply for a Chase Business card:
These are business cards, 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.
Generally speaking, multiple applications made on the same calendar date only have 1 credit pull.
Ink cards include:
- Ink Cash: Limited time offer: 90,000 points for spending $6,000 in 3 months (marketed as $900 cash back, but will actually award points). Earn up to 5 points per dollar. No annual fee. Read more here.
- Ink Unlimited: Limited time offer: 90,000 points for spending $6,000 in 3 months (marketed as $900 cash back, but will actually award points). Earn 1.5 points per dollar. No annual fee. Read more here.
- Ink Preferred: 100,000 points for spending $15,000 in 3 months. Earn up to 5 points per dollar. $95 annual fee. Read more here.
- Ink Premier: Intro bonus: $1,000 cash back for spending $10,000 in 3 months. Earn up to 2.5% cash back. $195 annual fee. Read more here.
Have you signed up for these cards yet? How did your application process go?