Aug 18, 2015, 8:20 am

FlyerTalk Forums Expert How-Tos and Guides

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)
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.

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?

See https://www.chasebenefits.com/ink10311.

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 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.

Previous Discussion Threads:

Chase Ink Business Card Questions

Chase Ink Bold, Plus & Cash cards

Chase Ink Plus is now available

Chase Ink Business Cards - July 2015- Present

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Feb 22, 2017, 4:12 pm

#1441

vh_bu98

Join Date: Apr 2016

Location: DFW

Posts: 675

Quote:

Originally Posted by acarney

Is there anyway to actually get an Ink card without actually running a business? I want to join in on the powerful combination of CSR and an Ink card with 5x points on office purchases :P

Yes, just use your SS number.

The Ink Plus is no longer offered so no more 5x points if you don't already have the card.

Feb 22, 2017, 4:45 pm

#1442

Terminator8

Suspended

Join Date: Dec 2016

Posts: 252

Quote:

Originally Posted by vh_bu98

Yes, just use your SS number.

The Ink Plus is no longer offered so no more 5x points if you don't already have the card.

False, Ink Cash also earns 5x on office supplies.

Feb 22, 2017, 5:26 pm

#1443

SoloExperiment

Join Date: Sep 2016

Posts: 123

How long after opening a business checking account with Chase have people seen pre-approved offers for business cards show up?

Feb 22, 2017, 5:29 pm

#1444

acarney

Join Date: Sep 2007

Posts: 998

Quote:

Originally Posted by vh_bu98

Yes, just use your SS number.

The Ink Plus is no longer offered so no more 5x points if you don't already have the card.

Quote:

Originally Posted by Terminator8

False, Ink Cash also earns 5x on office supplies.

Ya, the Ink Cash has the lower limit, but would fit my needs (at least right now :P) well. Does the online applications ask for revenues or business size or anything? Or just use a SS number instead of a tax id number?

I don't need any other Chase business accounts first, do I? (IE Bank Account or something...)

Feb 22, 2017, 6:10 pm

#1445

mia

Moderator

Join Date: Jun 2003

Location: Miami, Mpls & London

Programs: AA & Marriott Perpetual Platinum; DL & HH Gold

Posts: 48,958

Quote:

Originally Posted by acarney

...Does the online applications ask for revenues or business size or anything?

Yes.

Attached Images

Feb 22, 2017, 7:09 pm

#1446

vh_bu98

Join Date: Apr 2016

Location: DFW

Posts: 675

Quote:

Originally Posted by Terminator8

False, Ink Cash also earns 5x on office supplies.

False, Ink Cash earns 5% cash back which is not the same as 5x points.

"Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year."

https://creditcards.chase.com/credit...iness/ink-cash

Feb 22, 2017, 8:39 pm

#1447

gumercindo

Join Date: Apr 2008

Posts: 615

Quote:

Originally Posted by vh_bu98

If you don't have one of the premium Chase cards in your name such as CSR, CSP, Ink Preferred, et al, then yeah, it's cash back. But if you link your Ink Cash with one of those UR Premium cards, then you can convert that cash back into UR points. Thus, 5x.

That's how I understand it and that's how I've seen it explained at places like TPG.

Feb 22, 2017, 11:02 pm

#1448

Terminator8

Suspended

Join Date: Dec 2016

Posts: 252

Quote:

Originally Posted by vh_bu98

You need to do more research on the Chase UR system before posting things like this.

Feb 22, 2017, 11:52 pm

#1449

vh_bu98

Join Date: Apr 2016

Location: DFW

Posts: 675

Quote:

Originally Posted by Terminator8

You need to do more research on the Chase UR system before posting things like this.

What I posted was accurate because you can't get the 5x points from the Ink Cash unless you transfer it to another premium Chase card, which not everyone will have. It's like saying Ink Cash will give you United miles. It won't unless you have another UR premium card and an United account and go through the double transfer process. All requirements must be met for it to happen. Maybe my initial post was too basic of an answer. So it's really a yes and no answer.

Feb 23, 2017, 5:14 am

#1450

beltway

Join Date: Feb 2003

Location: On strike

Posts: 8,135

Quote:

Originally Posted by vh_bu98

No, what you posted was inaccurate: the Ink Cash does indeed earn 5x UR points, but you claimed that it's only 5% cash. 5 UR points are not 5 cents; they're something different and potentially more valuable.

There's no disagreement that how one can use UR is highly variable depending on the cards one holds. But that isn't what you said, and your statement was thus both incorrect and misleading.

Feb 23, 2017, 7:32 am

#1451

mia

Moderator

Join Date: Jun 2003

Location: Miami, Mpls & London

Programs: AA & Marriott Perpetual Platinum; DL & HH Gold

Posts: 48,958

Chase markets Freedom, Freedom Unlimited and INK Cash as "cash rewards" cards, but they do not earn cash, they earn Ultimate Rewards points. UR points earned with any card can be redeemed for cash, but that's optional and the points can be redeemed for a variety of rewards. (The ability to transfer to airline or hotel partners requires a premium card.)

Feb 23, 2017, 10:00 am

#1452

Ops5

Join Date: Jul 2011

Posts: 130

I received an email invitation today for the Ink Preffered w/ 80k UR bonus. It says "As a valued Chase business client, we invite you to be one of the first to apply for the NEW Ink Business PreferredSM Credit Card. This offer is available until March 21, 2017."

I'm well over 5/24. I assume I'd likely be denied as this isn't the same as an in-branch pre-approval, correct?