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Chase Ink Business Cards - July 2015- Present

Old Aug 18, 2015, 8:20 am
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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?

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.


There is a no-fee, UR-earning Ink Cash card: https://creditcards.chase.com/ink-bu.../ink-cash-card
Are there are any rules or restrictions to keep in mind when applying for an Ink card?
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?
Merchants that qualify:
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:
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)
Where can I find the Ink Plus Guide to Benefits?
What are the rules for transferring UR points to other users or to my own air/hotel/rail accounts?
Closing Ink Plus cards
It 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.
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Chase Ink Business Cards - July 2015- Present

Old Aug 7, 2015, 3:31 pm
  #46  
 
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 951
Originally Posted by levilevi
Also wondering credit reporting, etc - even though as others have mentioned there was a "less formalized" upper limit - AMEX does this as well on charge cards - the non "Credit" aspect of the card was appealing.
I don't see how your available credit showing on reports really matters on a business account.

Businesses live on debt. They're looking at whether you're making your payments or not.
sechs is offline  
Old Aug 9, 2015, 11:08 pm
  #47  
 
Join Date: Apr 2013
Location: BOS
Programs: AA ExP || SPG Plt || Honors Diamond || UA Silver
Posts: 171
Made a phone call to reduce my cash advance limit to 0. The rep just asked me again what is my type of business.. I have to admit that this scared the s**t out of me.. Is this a normal thing? Just curious..
mrsmsr is offline  
Old Aug 10, 2015, 8:37 am
  #48  
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Join Date: Feb 2003
Posts: 8,135
Originally Posted by mrsmsr
Made a phone call to reduce my cash advance limit to 0. The rep just asked me again what is my type of business.. I have to admit that this scared the s**t out of me.. Is this a normal thing? Just curious..
Send an SM next time & save yourself the aggravation.
beltway is offline  
Old Aug 10, 2015, 12:48 pm
  #49  
 
Join Date: Aug 2015
Posts: 8
I have been doing a ton of research trying to figure out whether or not to apply for the Chase Ink Plus.

I started reselling on eBay/Amazon about a year ago. I would love to get the Chase Ink Plus for this "business". Business income would be about $10k/year.

My credit score is around 745. I currently have the following CCs: Discover More (1/12), Chase Freedom (7/13), Chase BA Visa (2/15), Target Red Card (3/15), CSP (7/15), AMEX Everyday (7/15). I've already met my spending minimums for all cards and I'm starting to get bored. Plus I have some wedding/honeymoon expenses coming up in September that I could use to meet minimum spending.

What are the chances of me getting approved?
MattsMiles is offline  
Old Aug 10, 2015, 12:58 pm
  #50  
 
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
Originally Posted by mrsmsr
Made a phone call to reduce my cash advance limit to 0. The rep just asked me again what is my type of business.. I have to admit that this scared the s**t out of me.. Is this a normal thing? Just curious..
Why would that scare you? In my experience it seems like anytime I call them I get asked about my business. It doesn't scare me at all, but it is annoying as heck and I will probably start using SM more just soo I don't have to play twenty questions with them.
Red259 is offline  
Old Aug 10, 2015, 3:49 pm
  #51  
 
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,929
About 100%
mhdena is offline  
Old Aug 10, 2015, 7:14 pm
  #52  
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Join Date: May 2001
Location: MSY; 2-time FT Fantasy Football Champ, now in recovery.
Programs: AA lifetime GLD; UA Silver; Marriott LTTE; IHG Plat,
Posts: 14,509
Originally Posted by levilevi
Same- just got waiver for the coming year on retention call - only have the Bold, not a Plus, so wondering if I'll be able to get a separate Plus (+ welcome offer) or if they will consolidate them eventually.
Originally Posted by Red259
I am wondering this too. I have the bold card and was planning on applying for the ink plus. I think it may be a bit harder to explain to chase why I need the ink plus now given these changes.
Same here. In fact, when I applied for the Bold, the Plus had a larger bonus, but I figured better to get the Bold, which was going away, and then the Plus and its bonus later. I hope I haven't missed the boat.

So what to do now? Apply right away, and hope to still get in before its too late? Or maybe they are still different products, and Chase will continue to approve new Plus apps for Bold customers, in which case maybe its better to wait for whenever the next increased bonus may be offered? What are y'all doing?
swag is offline  
Old Aug 10, 2015, 7:51 pm
  #53  
 
Join Date: May 2012
Posts: 728
If I have an existing ink plus with business A can I get a bonus for another ink plus for business B with applications being appx 4 years apart or do I need to close the first one?
g8trgr8t is offline  
Old Aug 11, 2015, 7:00 am
  #54  
 
Join Date: Jun 2015
Posts: 132
Originally Posted by MattsMiles
I have been doing a ton of research trying to figure out whether or not to apply for the Chase Ink Plus.

I started reselling on eBay/Amazon about a year ago. I would love to get the Chase Ink Plus for this "business". Business income would be about $10k/year.

My credit score is around 745. I currently have the following CCs: Discover More (1/12), Chase Freedom (7/13), Chase BA Visa (2/15), Target Red Card (3/15), CSP (7/15), AMEX Everyday (7/15). I've already met my spending minimums for all cards and I'm starting to get bored. Plus I have some wedding/honeymoon expenses coming up in September that I could use to meet minimum spending.

What are the chances of me getting approved?
I was kind of where you are with questions. I've been bitten by the MS bug, and was looking for a way to maximize the 134k UR points I've accrued on my Freedom card over the years. Reading through the info on this site, I felt the best option in the long run was the Ink Plus so I could transfer UR points out. Starting a Personal Training business on the side, but no tax ID or income yet, I was apprehensive about my chances of getting Ink, even with 823 FICO. I was just going to go for the CSP, but yesterday figured "What the heck," and applied online for Ink.
It didn't give immediate approval, but the notice was also not a "Thank you for applying and we'll get back to you" message. It gave me a referrence number and a phone number and told me to call. I took a deep breath, made the call, and after verifying my info, they approved me with a 32k CL. No business related questions asked.

I'd say go for it.^
Jesusdyd4u is offline  
Old Aug 11, 2015, 8:08 pm
  #55  
 
Join Date: Aug 2015
Posts: 8
Originally Posted by Jesusdyd4u
I was kind of where you are with questions. I've been bitten by the MS bug, and was looking for a way to maximize the 134k UR points I've accrued on my Freedom card over the years. Reading through the info on this site, I felt the best option in the long run was the Ink Plus so I could transfer UR points out. Starting a Personal Training business on the side, but no tax ID or income yet, I was apprehensive about my chances of getting Ink, even with 823 FICO. I was just going to go for the CSP, but yesterday figured "What the heck," and applied online for Ink.
It didn't give immediate approval, but the notice was also not a "Thank you for applying and we'll get back to you" message. It gave me a referrence number and a phone number and told me to call. I took a deep breath, made the call, and after verifying my info, they approved me with a 32k CL. No business related questions asked.

I'd say go for it.^
Thanks! This is just what I needed to hear... I think I'm going to apply tomorrow!
MattsMiles is offline  
Old Aug 11, 2015, 10:33 pm
  #56  
 
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
Originally Posted by swag
Same here. In fact, when I applied for the Bold, the Plus had a larger bonus, but I figured better to get the Bold, which was going away, and then the Plus and its bonus later. I hope I haven't missed the boat.

So what to do now? Apply right away, and hope to still get in before its too late? Or maybe they are still different products, and Chase will continue to approve new Plus apps for Bold customers, in which case maybe its better to wait for whenever the next increased bonus may be offered? What are y'all doing?
I'm kinda in the waiting camp right now. I am about to apply for the citi premier personal card and the Amex SPG business card. Both of those are more relevant to me, since I want to wait until the ink plus bonus goes up again. I think applying now will likely have the same result as applying later (for better or worse). If they give me a low credit line on the bold it may force my hand though.
Red259 is offline  
Old Aug 12, 2015, 6:56 pm
  #57  
 
Join Date: Sep 2013
Location: SMF
Posts: 1,251
Any idea when we'll see an increased sign-up offer for Ink Plus?

Yes, I recognize my questions is purely speculation but I noticed that there were increased offers last September through January and again in May. What are the chances that another increased offer comes around again this fall?

I'd really like to get the Ink Plus but I'd hate to settle for the 50k if the 60k or 70k offer comes around again. Has there been any sort of trend in the past related to when the offer is increased?
Big4Flyer is offline  
Old Aug 13, 2015, 8:56 pm
  #58  
 
Join Date: Aug 2015
Posts: 376
Is this considered a Business for Chase Ink Plus?

Long Time Lurker, First time poster.

Hello everyone,

So I was very interested in applying for the Chase Ink Plus card due to its bonus categories and signup bonus, but I dont know if what I do is technically a business?

My parents own a gas station and I currently pay their monthly utilities, phone, cable, and internet bills. Its not out of my own pocket. They give me the money they earn from their business to make their payments because they cant apply for decent credit cards due to a bankruptcy that is still on their report.

On average its about 2.5k month (150k points vs 30k points). They give me about $50 extra for each transaction I do as a 'convenience fee'.

Can I use this 'credit loan' that I provide for a fee as a legitimate business for the Ink Plus application?
VeryHumerus is offline  
Old Aug 14, 2015, 1:09 am
  #59  
 
Join Date: Nov 2008
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That looks like more of a business that what I have! ;-)
Gamecock is offline  
Old Aug 14, 2015, 6:53 am
  #60  
 
Join Date: Jun 2015
Posts: 132
Originally Posted by Gamecock
That looks like more of a business that what I have! ;-)
LOL...there are many here who could say that, including me.

I just got approved the other day for CIP and waiting for card to arrive to start my new "hobby."

.
Jesusdyd4u is offline  

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