Chase Ultimate Rewards - Which Ink card is the lowest tier (i.e. easiest to qualify)?
Jul 27, 12, 5:37 pm
As above... I can't figure out which Ink card from chase is the lowest tier and easiest to qualify. All of them have the same points rate, and only the signup bonus and AF is different. Does anyone know which Ink card would be good for people with limited credit history?
Jul 27, 12, 6:15 pm
Remember, you need a Bold or Plus to transfer UR points to United/Hyatt, etc.
Cash and Classic are no fee cards, so likely easier to qualify for. Just like Freedom is easier to get as an entry level personal card than, say, the SP.
Jul 28, 12, 7:36 am
If you have the Sapphire Preferred, you'll already have the ability to transfer points to UA/Hyatt/etc. So an Ink Classic would probably be preferable to the Cash. Then again, if you have a CSP, I don't think it should huge stretch to get approved for a Bold or Plus!
I know a guy that got a CSP. He's only had a few months of credit history (on a Cap 1 card) with a few hundred bucks of limit, and then a Freedom card held for less than half a year. It can be done.
Jul 28, 12, 3:21 pm
Both Cash and Classic will earn UR points, and then they can be transferred to your SP or IB.
Jul 28, 12, 7:28 pm
I have an old Ink Cash. The 3% version. You can't do much with the rewards other than get statement credit, checks, and gift cards at 1:1 or worse. The 5% version earns UR points? Are you sure?
I thought the UR cards are Classic/Bold/Plus.
Jul 28, 12, 8:52 pm
The new/5% version of Cash earns UR points, and then you can transfer them to Bold/Plus/SP for partner redemptions.