Aug 18, 2015, 8:20 am
Last edit by: BuBu4
Please read this Wiki before posting questions in the thread.
What's the difference between the Ink Bold & Ink Plus cards?
Ink Bold is no longer available. It was a charge card (pay balance in full each month), but it has been discontinued and many accounts were converted to Ink Plus cards with the same account numbers.
Ink Plus is a revolving credit card. It allows you to earn and redeem Chase Ultimate Rewards points (including transfering UR points to air/hotel/rail partners).
What are the best current Ink Plus offers?Ink Plus is a revolving credit card. It allows you to earn and redeem Chase Ultimate Rewards points (including transfering UR points to air/hotel/rail partners).
The Ink Plus card is no longer available for new applicants. There is a separate thread for The Ink Business Preferred card.
Links for non-targeted Ink Plus 60K offer ($5,000 spend/3 months; annual $95 fee not waived)
There is a report of a 70k offer for the Chase Ink Plus available only through your local Chase Bank office, extended to August 20, 2016. If you recently accepted the 60K offer, you may be able to get the extra 10K simply by asking for it.
- Landing page; original application page, current application page.
- Landing page; application page.
- Landing page; application page.
- Landing page; current application page.
There is a report of a 70k offer for the Chase Ink Plus available only through your local Chase Bank office, extended to August 20, 2016. If you recently accepted the 60K offer, you may be able to get the extra 10K simply by asking for it.
What is the "5/24" policy?
Are targeted offers exempt from the 5/24 policy?
If my application isn't approved instantly, should I call in?
How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
After being denied, how long should I wait before applying again for the same card?
How long should I wait after closing my card before applying again for the same card?
See the wiki & current discussion at Applying for Chase Credit Cards, 2017 onward.
Are there special earning categories?Yes. You earn 5 points per dollar on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services. (Sirius XM Radio also qualifies.)
In addition, you earn 2 points per dollar on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly from the hotel.
NOT ALL Ink cards earn the 5x and 2x bonus categories above. Not "Old Ink Bold" that earns 7,500 bonus points for $25,000 spend, 15,000 points for $50,000, and 25,000 points for $100,000 spend.
What merchants qualify for 5 points/dollar spent?In addition, you earn 2 points per dollar on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly from the hotel.
NOT ALL Ink cards earn the 5x and 2x bonus categories above. Not "Old Ink Bold" that earns 7,500 bonus points for $25,000 spend, 15,000 points for $50,000, and 25,000 points for $100,000 spend.
Merchants that qualify:
Where can I find the Ink Plus Guide to Benefits?AnswerConnect (Ref)
AT&T monthly bills @ website (Direct entry) (Ref, Ref, Ref)
Boost Mobile (Ref)
Cablevision (Ref)
CallingMart.com (Direct entry)
CardCash.com (PayPal) (Ref, Ref)
CashStar/Staples @ staples.cashstar.com (Ref)
Charter Spectrum/Time Warner Cable monthly bills (Ref, Ref)
Comcast (Ref)
Cox Internet subscription (Ref)
Cricket Wireless (Ref)
Digital River MyCommerce/vorpX (PayPal) (Ref)
DirecTV (Ref, Ref)
Dish Network (Ref, Ref)
Dropbox (Ref)
eBay/PayPal Digital Gifts (PayPal) (Mastercards only) (Ref)
GiftCard Mart (PayPal) (Ref)
GoDaddy.com (Ref, Ref)
Google Fiber (Ref)
Gyft.com (PayPal) (Ref)
Half.com (PayPal) (Ref)
Hetzner.de (PayPal) (Ref)
HTC Vive @ store.us.HTCVive.com (Direct entry) (Ref, Ref)
Hulu (Ref, Ref, Ref)
INIZ (PayPal) (Ref)
LivingSocial.com (PayPal) (Ref)
MileagePlus X/OfficeMax @ app (YMMV ref, Ref)
MileagePlus X/Staples @ app (YMMV ref, Ref)
Netflix (Ref, Ref, Ref, Ref)
Nvidia GeForce Now (Ref)
Office Depot @ B&M, officedepot.com (Direct entry) (Ref)
OfficeMax @ B&M, officedepot.com (Direct entry) (Ref)
OneDrive (Ref)
Republic Wireless (Ref)
RingCentral (Ref)
Sirius XM (Ref, Ref, Ref)
Sling TV @ sling.com (Ref, Ref, Ref, Ref)
Spotify.com (Ref, Ref, Ref, Ref, Ref)
Sprint (Ref)
Staples @ B&M, staples.com (Direct entry) (Ref)
TiVo monthly bills (Ref, Ref)
T-Mobile monthly bills (Ref, Ref, Ref)
UPrinting.com (Ref)
Verizon (Ref)
Verizon Wireless (Ref)
Virgin Mobile (Ref)
VirginMobileUSA.com (Direct entry, PayPal) (Ref)
Vudu.com (Ref, Ref)
Merchants that DO NOT qualify:AT&T monthly bills @ website (Direct entry) (Ref, Ref, Ref)
Boost Mobile (Ref)
Cablevision (Ref)
CallingMart.com (Direct entry)
CardCash.com (PayPal) (Ref, Ref)
CashStar/Staples @ staples.cashstar.com (Ref)
Charter Spectrum/Time Warner Cable monthly bills (Ref, Ref)
Comcast (Ref)
Cox Internet subscription (Ref)
Cricket Wireless (Ref)
Digital River MyCommerce/vorpX (PayPal) (Ref)
DirecTV (Ref, Ref)
Dish Network (Ref, Ref)
Dropbox (Ref)
eBay/PayPal Digital Gifts (PayPal) (Mastercards only) (Ref)
GiftCard Mart (PayPal) (Ref)
GoDaddy.com (Ref, Ref)
Google Fiber (Ref)
Gyft.com (PayPal) (Ref)
Half.com (PayPal) (Ref)
Hetzner.de (PayPal) (Ref)
HTC Vive @ store.us.HTCVive.com (Direct entry) (Ref, Ref)
Hulu (Ref, Ref, Ref)
INIZ (PayPal) (Ref)
LivingSocial.com (PayPal) (Ref)
MileagePlus X/OfficeMax @ app (YMMV ref, Ref)
MileagePlus X/Staples @ app (YMMV ref, Ref)
Netflix (Ref, Ref, Ref, Ref)
Nvidia GeForce Now (Ref)
Office Depot @ B&M, officedepot.com (Direct entry) (Ref)
OfficeMax @ B&M, officedepot.com (Direct entry) (Ref)
OneDrive (Ref)
Republic Wireless (Ref)
RingCentral (Ref)
Sirius XM (Ref, Ref, Ref)
Sling TV @ sling.com (Ref, Ref, Ref, Ref)
Spotify.com (Ref, Ref, Ref, Ref, Ref)
Sprint (Ref)
Staples @ B&M, staples.com (Direct entry) (Ref)
TiVo monthly bills (Ref, Ref)
T-Mobile monthly bills (Ref, Ref, Ref)
UPrinting.com (Ref)
Verizon (Ref)
Verizon Wireless (Ref)
Virgin Mobile (Ref)
VirginMobileUSA.com (Direct entry, PayPal) (Ref)
Vudu.com (Ref, Ref)
Adobe Acrobat DC (Ref)
Amazon Prime music and video (Ref)
Apple iTunes/Apple Music subscription
AT&T phone and equipment orders (Ref, YMMV ref)
CardCash.com (Direct entry) (Ref)
CashStar/Office Depot @ officedepot.cashstar.com (Ref)
CashStar/Panera Bread @ panerabread.cashstar.com (Ref)
Charges at Cricket Wireless Store
eBay/GiftCardMall (PayPal)
eBay/SVM Gift Cards (PayPal)
eGifter.com (Ref)
Giftcard Zen (Direct entry) (Ref)
Google Cloud Platform @ cloud.google.com (Ref)
Google Drive (Ref)
Google Project Fi @ fi.google.com (Ref, Ref, Ref)
Gyft.com (Direct entry)
H2O Wireless (Ref)
Newegg.com (PayPal) (Ref)
Oculus.com (Ref)
OfficeMax in-store pickup @ officedepot.com (Ref)
eBay/PayPal Digital Gifts (PayPal) Visa Cards Only (Ref)
Plastiq telecom (Ref)
Playstation Vue (Ref)
RingPlus.net (Direct entry)
Seashells @ shopseashells.com (Ref)
SWYCH app (using INK and Paypal) (Ref)
T-Mobile.com phone and equipment orders (Ref, Ref, Ref)
Todoist.com (Ref)
Venmo (Direct entry) (Ref, Ref)
Walmart.com (PayPal) (Ref)
Amazon Prime music and video (Ref)
Apple iTunes/Apple Music subscription
AT&T phone and equipment orders (Ref, YMMV ref)
CardCash.com (Direct entry) (Ref)
CashStar/Office Depot @ officedepot.cashstar.com (Ref)
CashStar/Panera Bread @ panerabread.cashstar.com (Ref)
Charges at Cricket Wireless Store
eBay/GiftCardMall (PayPal)
eBay/SVM Gift Cards (PayPal)
eGifter.com (Ref)
Giftcard Zen (Direct entry) (Ref)
Google Cloud Platform @ cloud.google.com (Ref)
Google Drive (Ref)
Google Project Fi @ fi.google.com (Ref, Ref, Ref)
Gyft.com (Direct entry)
H2O Wireless (Ref)
Newegg.com (PayPal) (Ref)
Oculus.com (Ref)
OfficeMax in-store pickup @ officedepot.com (Ref)
eBay/PayPal Digital Gifts (PayPal) Visa Cards Only (Ref)
Plastiq telecom (Ref)
Playstation Vue (Ref)
RingPlus.net (Direct entry)
Seashells @ shopseashells.com (Ref)
SWYCH app (using INK and Paypal) (Ref)
T-Mobile.com phone and equipment orders (Ref, Ref, Ref)
Todoist.com (Ref)
Venmo (Direct entry) (Ref, Ref)
Walmart.com (PayPal) (Ref)
What are the rules for transferring UR points to other users or to my own air/hotel/rail accounts?
See the separate discussions in
Closing Ink Plus cardsIt is possible to pay the annual fee for the Chase Ink Plus business card, then close the account and get a refund of the fee up to 6 months after it was charged. This provides a total of 18 months of earning up to 5X points for free. Make sure your points are transferred out (either to another UR account owned by you or a spouse, or to an air/hotel partner) before you close the account.
Previous Discussion Threads:
Chase Ink Business Cards - July 2015- Present
Nov 22, 2015, 8:00 pm
#346
Join Date: Jan 2011
Location: HKG • Ex SFO, NYC
Programs: UA 1K, AA EXP; Marriott Amb; Hyatt Globalist; Shangri-la Diamond; IHG SpireAmb; Hilton D; Accor G
Posts: 3,319
Question about how points are earned.
Do you get the UR points per statement? Or do you get them all at the end of the year? I just looked at the Ink Plus page and I see verbiage like: "Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.^".
Does that last part indicate you get the points at the end of the year and not per statement?
Do you get the UR points per statement? Or do you get them all at the end of the year? I just looked at the Ink Plus page and I see verbiage like: "Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.^".
Does that last part indicate you get the points at the end of the year and not per statement?
Nov 22, 2015, 9:54 pm
#347
Join Date: Jun 2012
Location: ATL
Programs: DL, Marriott
Posts: 728
Okay, understood. Thank you! I guess 'each account anniversary year' ties to the 'first 50,000 spent' statement of the verbiage?
Also, are the main differences in earning for the Ink Cash vs. the Ink Plus that the bonuses categories on Cash are capped at 25K instead of 50K, and that Cash gets restaurants instead of hotels on the 2X?
It seems to me, assuming I DON'T plan to max out the category bonuses, I'd prefer the Ink Cash since I'd spend more on restaurants than hotels. Also assuming I keep my CSP. Is that sound logic? I'd probably use my CSP on dining/hotels anyway, and on foreign transactions, so the real difference is the lack of annual fee on the cash....
Also, are the main differences in earning for the Ink Cash vs. the Ink Plus that the bonuses categories on Cash are capped at 25K instead of 50K, and that Cash gets restaurants instead of hotels on the 2X?
It seems to me, assuming I DON'T plan to max out the category bonuses, I'd prefer the Ink Cash since I'd spend more on restaurants than hotels. Also assuming I keep my CSP. Is that sound logic? I'd probably use my CSP on dining/hotels anyway, and on foreign transactions, so the real difference is the lack of annual fee on the cash....
Nov 22, 2015, 11:32 pm
#348
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,692
Is it possible to get Ink Plus for 50k and 1st yr AF waived right now? All I see is 60k with AF not waived.
Nov 22, 2015, 11:40 pm
#349
Join Date: Jan 2011
Location: HKG • Ex SFO, NYC
Programs: UA 1K, AA EXP; Marriott Amb; Hyatt Globalist; Shangri-la Diamond; IHG SpireAmb; Hilton D; Accor G
Posts: 3,319
Nov 23, 2015, 12:11 am
#350
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,204
Nov 23, 2015, 9:07 am
#351
Join Date: Oct 2015
Posts: 115
My ink plus application (applied on 10/30) got denied and got a denial letter with following reasons:
1. Too many cards opened in last few months (I've applied for 6 cards in the last 6 months)
2. 1 late payment in my credit history report (but that was in early 2014)
3. New card opened with Chase last couple of months (Hyatt Chase Visa)
I didn't have much hope getting approved. Do you guys think calling in/re-applying in the branch will help? Can I apply again in 6 months and have better chance?
Thanks!
1. Too many cards opened in last few months (I've applied for 6 cards in the last 6 months)
2. 1 late payment in my credit history report (but that was in early 2014)
3. New card opened with Chase last couple of months (Hyatt Chase Visa)
I didn't have much hope getting approved. Do you guys think calling in/re-applying in the branch will help? Can I apply again in 6 months and have better chance?
Thanks!
Nov 23, 2015, 3:51 pm
#352
Join Date: May 2010
Posts: 437
Is the 250K points per card or per person?
There are several Chase cards like Ink, Ink Plus, bold Bold Plus and business cards as well that pay 5x points for office supply. So is 250K per person ($50K), is per card or per person?
There are several Chase cards like Ink, Ink Plus, bold Bold Plus and business cards as well that pay 5x points for office supply. So is 250K per person ($50K), is per card or per person?
Nov 24, 2015, 10:56 am
#353
Join Date: Sep 2015
Programs: Paying student debt and traveling when i can
Posts: 312
Nov 27, 2015, 12:14 pm
#354
Join Date: Apr 2014
Posts: 4
My wife recently applied for the Chase Business Ink Plus and got a pending email saying they were looking into it. She called the reconsideration line and after some back and forth over several days, she was declined the card.
Now truth of the matter is, she does not have a business really, so we were using her personal info and selling of items on eBay to qualify.
We had a big spend coming up so she applied for the CSP card and was accepted. We did our big spend and then paid it off immediately. She then got an email from Chase a few weeks later saying she was now approved for the Business Ink Plus! We got the card expedited and did another big spend and got the 60K bonus there as well. Transferred all the points into my personal CSP account and we are moving along.
Funny how things like that work!
Now truth of the matter is, she does not have a business really, so we were using her personal info and selling of items on eBay to qualify.
We had a big spend coming up so she applied for the CSP card and was accepted. We did our big spend and then paid it off immediately. She then got an email from Chase a few weeks later saying she was now approved for the Business Ink Plus! We got the card expedited and did another big spend and got the 60K bonus there as well. Transferred all the points into my personal CSP account and we are moving along.
Funny how things like that work!
Nov 27, 2015, 6:00 pm
#355
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
My ink plus application (applied on 10/30) got denied and got a denial letter with following reasons:
1. Too many cards opened in last few months (I've applied for 6 cards in the last 6 months)
2. 1 late payment in my credit history report (but that was in early 2014)
3. New card opened with Chase last couple of months (Hyatt Chase Visa)
I didn't have much hope getting approved. Do you guys think calling in/re-applying in the branch will help? Can I apply again in 6 months and have better chance?
Thanks!
1. Too many cards opened in last few months (I've applied for 6 cards in the last 6 months)
2. 1 late payment in my credit history report (but that was in early 2014)
3. New card opened with Chase last couple of months (Hyatt Chase Visa)
I didn't have much hope getting approved. Do you guys think calling in/re-applying in the branch will help? Can I apply again in 6 months and have better chance?
Thanks!
Nov 30, 2015, 8:35 pm
#356
Join Date: Dec 2012
Location: Raleigh, NC
Posts: 19
Worth a try for Ink Bold?
I have a total of 3 Chase cards - a Freedom and CSP held for years, and one SW Biz Plus (Nov 2013) with a high (22K) credit line. I got that one along with a SWA Personal Premier (closed Dec 2014) to get the companion pass in early 2014.
Since meeting the bonus spend, I have barely used the SWA Biz card. I had to talk to reconsideration to get that card, even with a real business and EIN - though admittedly there is almost no actual income since it is small family partnership.
I'd like to open the Ink Plus for expenses related to a condo that my wife and I rent. Given that I already have a biz card with a high limit and low use, does this help or hurt? Is there another tactic I could use?
The only card I've picked up in the last year was the Citi Prestige in Sept. Credit score 835. What do you guys think?
Since meeting the bonus spend, I have barely used the SWA Biz card. I had to talk to reconsideration to get that card, even with a real business and EIN - though admittedly there is almost no actual income since it is small family partnership.
I'd like to open the Ink Plus for expenses related to a condo that my wife and I rent. Given that I already have a biz card with a high limit and low use, does this help or hurt? Is there another tactic I could use?
The only card I've picked up in the last year was the Citi Prestige in Sept. Credit score 835. What do you guys think?
Nov 30, 2015, 9:00 pm
#357
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,204
Do you have a banking relationship with Chase? Try chatting with a business banker there to see if he/she will put in your app.
Nov 30, 2015, 9:53 pm
#358
Join Date: Mar 2014
Location: DFW
Programs: AAdvantage, MileagePlus, SPG, Hyatt
Posts: 1
Hi, I got the Ink Plus sign up bonus in May last year and subsequently canceled the card in March this year before the AF. Today I received in the mail a targeted offer for the card again, this time 60k for $5000 in 3 mo., first year AF waived. Looks pretty good to me. I can't find in the offer letter any mention of the bonus being unavailable to those who got one in the last 24 months. Does this mean I can safely apply and get the bonus if I'm approved (and of course, meet required spend)?
Dec 1, 2015, 2:34 pm
#360
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,782
Another "do I have a shot" post
I'm thinking of applying for the Ink Plus for the bonus points but also to unlock my low 6 figure UR balance accrued with the Freedom. I can't get a CSP because of the 5/24 rule.
I'm down to only 2 open Chase cards (~$13k in aggregate CL), closed my UA Explorer last month and my Southwest Visa in May. My last Chase approval was August/Sept of last year. And given't trueblue's comment above his denial reason including too many new cards, I've opened 3 new accounts since May (+1 more business one, but that won't show). 2 in May, 1 in August. Not sure if Chase is sensitive about the 6 month thing.
FICO of ~760, unfortunately no paperwork/taxes/etc to justify a business, so based on this thread I now know to not bother calling and hope for the best.
Thanks in advance!
I'm down to only 2 open Chase cards (~$13k in aggregate CL), closed my UA Explorer last month and my Southwest Visa in May. My last Chase approval was August/Sept of last year. And given't trueblue's comment above his denial reason including too many new cards, I've opened 3 new accounts since May (+1 more business one, but that won't show). 2 in May, 1 in August. Not sure if Chase is sensitive about the 6 month thing.
FICO of ~760, unfortunately no paperwork/taxes/etc to justify a business, so based on this thread I now know to not bother calling and hope for the best.
Thanks in advance!
Last edited by krazykanuck; Dec 1, 2015 at 2:39 pm