Chase Ink Business Preferred

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Old May 25, 20, 7:09 am   -   Wikipost
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What's the best current offer?

  • 80,000 Chase UR points after $5K spend in 3 months, with $95 annual fee (not waived the first year)

Around May 2018: A 100,000 points offer was available from the Business Rep at your local Chase branch office. This was not available online and Chase will not retroactively up-match to this offer, even if you were recently approved via an online application. The 100k in-branch offer was also previously available, then discontinued, and came back around Small Business Week 2018.

Additionally: For those who may be automatically excluded due to 5/24, the in-branch Business Rep can submit the application by Mail on your behalf (this avoids the application going through the computer check that would automatically exclude those who are already at 5/24.) First year's annual fee is not waived.

October 2018: 100,000 points offer is no longer available. Best offer is 80,000 points after $5,000 in first 90 days.

July 2017: Some members may have a referral link and would be very grateful if you would use it. See this thread: http://www.flyertalk.com/forum/credi...ost-first.html


1) Should I apply using the link above or go to a nearby brick and mortar branch?
Sometimes there are better offers to be had in the branch (as referenced above). Some in-branch apps had/have the $95 AF waived 1st yr (ymmv). You can also have your banker check to see if you are pre-approved for this card (green screen on the banker's log in). However, it is likely simpler/easier to do a Chase business credit application Online as applying in-branch often requires providing documentation (proof of business, etc).
2) How do the rewards differ from other INK cards?
The bonus categories on this card are different than other cards in the INK family, notably, this card does NOT get a bonus at Office Supply stores, but DOES get the following:

3 Points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

- Travel; including airfare, hotels, rental cars, train tickets, and taxis - Shipping purchases
- Internet, cable and phone services
- Advertising purchases made with social media sites and search engines

- 1 Point per $1 on all other purchases (with no limits on the number of points you can earn).

Also, notably, it follows the Sapphire Preferred personal card in offering a bonus when using points to book travel using the Ultimate Rewards web site: Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 towards travel.*

See discussion on using the UR portal, here: http://www.flyertalk.com/forum/chase...ts-2017-a.html
3) What are the insurance and other benefits provided by this card?
The Benefits Guide is here: https://www.chasebenefits.com/inkpreferred
4) Can I product change from a different INK Card?
Since this card is newly released, options may change in the future, but, at this time, Chase is not permitting product change to Ink Preferred at this time (reported on 11/23/16).
See our ongoing discussion here: http://www.flyertalk.com/forum/chase...16-onward.html
To check app. status find the numbers in the WIKI in this thread: https://www.flyertalk.com/forum/chas...onward-43.html

(888) 269-8690 - Business Credit Card Application Status Line, automated
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Old Sep 13, 19, 1:42 pm
  #1051  
mia
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Originally Posted by TravelSmart0404 View Post
.... GYFT purchases. ....
Blog article here from 4 August:

https://milestomemories.boardingarea...hase-ink-dead/
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Old Sep 13, 19, 1:47 pm
  #1052  
 
Join Date: Apr 2016
Posts: 10
Originally Posted by mia View Post
Thanks. That now makes sense then.
TravelSmart0404 is offline  
Old Sep 15, 19, 8:48 pm
  #1053  
 
Join Date: Aug 2018
Posts: 168
Is points.com still coding as 3x?
geoff325 is offline  
Old Sep 24, 19, 12:52 am
  #1054  
 
Join Date: Jan 2018
Posts: 24
Just got my CIP in the mail today! I already traced out a partial plan for the $5k to earn the SUB. But sadly nothing big in its 3x categories.

I was hoping someone could maybe help a brother out and let me know things that could code as its' 3X category.

PM may be best.
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Old Sep 24, 19, 8:02 am
  #1055  
 
Join Date: Feb 2019
Posts: 268
I have the CIP. I think AF is due soon (Nov?)
I also have CSR, CFU, CF, and the lovely Amazon visa (haha)
I was thinking of applying in Oct. for the Chase Ink Business Cash, and then when the AF for CIP is due, cancel it.

For me, the CIBC 5% on internet with no AF is "better" than the CIP, and since I have the CSR I can transfer UR to partners if necessary.

Thoughts? (don't do any advertising although the 3x for travel is slightly appealing, but not sure if it's worth the $95 AF) or whatever. I'm not sure I spend over $3k/year on travel.

I will have had the CIP for 1 year when the AF is due.
If Chase will waive the AF, I'd keep it (and have both).
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Old Sep 24, 19, 8:12 am
  #1056  
mia
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Originally Posted by luv2vacay View Post
.... 3x for travel is slightly appealing,
This duplicates Sapphire Reserve. I would keep INK Preferred -or- Sapphire Reserve, but not both.
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Old Sep 24, 19, 9:35 am
  #1057  
 
Join Date: Feb 2019
Posts: 268
Originally Posted by mia View Post
This duplicates Sapphire Reserve. I would keep INK Preferred -or- Sapphire Reserve, but not both.
Thanks, Mia!
I go the CSR just for the SUB and the credits, so I'll be downgrading that to CSP in April 2020.
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Old Sep 25, 19, 8:41 pm
  #1058  
 
Join Date: Apr 2014
Posts: 448
Originally Posted by luv2vacay View Post
Thanks, Mia!
I go the CSR just for the SUB and the credits, so I'll be downgrading that to CSP in April 2020.
...or for the same $95 total in AF keep the Ink Preferred and Ink Cash. That way you get 3x on travel, transfer to partners, and 2x on dining through the CIC. It sounds like you don't use the additional benefits of the Sapphire line which you mostly get to keep with the CIP (when compared to the Sapphire Preferred). The CIP also provides cellphone insurance.
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Old Sep 26, 19, 7:23 am
  #1059  
 
Join Date: Feb 2019
Posts: 268
Originally Posted by halamadrid View Post
...or for the same $95 total in AF keep the Ink Preferred and Ink Cash. That way you get 3x on travel, transfer to partners, and 2x on dining through the CIC. It sounds like you don't use the additional benefits of the Sapphire line which you mostly get to keep with the CIP (when compared to the Sapphire Preferred). The CIP also provides cellphone insurance.
Oh, that's a good idea also!
For some reason I keep thinking the 1.25/1.5 "return" on UR is worth the CSR/CSP but that's only if you buy things on the portal. I'd mostly likely be saving up for award tickets, so I need to learn to toss that out the winder. haha
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Old Sep 28, 19, 6:07 am
  #1060  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
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Originally Posted by mia View Post
This duplicates Sapphire Reserve. I would keep INK Preferred -or- Sapphire Reserve, but not both.
I have a CIP which is my business card. Personal travel expenses were placed on either the Citi AA plat card or the Amex Plat card but with the loss of travel insurance benefits, I am now forced to use my Ink card to obtain these.

I do a lot of travel and the travel benefits (especially travel insurance) are the thing I value most in a card.

I was thinking of getting the CSR card for personal use. Or should I just get an Ink Cash card and delegate it as my personal card and continue to use the Ink Preferred card as it was intended?
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Old Sep 28, 19, 6:30 am
  #1061  
mia
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Originally Posted by radonc1 View Post
....

I do a lot of travel and the travel benefits (especially travel insurance) are the thing I value most in a card.
More options in the new year:

Amex adding trip delay and cancellation coverage to select cards
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Old Sep 28, 19, 2:12 pm
  #1062  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 4,362
Originally Posted by mia View Post
So it appears that all I have to do is wait it out till Amex comes through and the Ink card can revert to its previous status as a business card
Thanks for the info.
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Old Oct 1, 19, 5:02 pm
  #1063  
 
Join Date: Nov 2013
Posts: 191
Those who have authorize users. Does Chase separate the charges of each AU? I need to be able to manage their charges separately without having to figure out what charged what.

Also, what is considered "shipping"? I have a CSR that coded YRC freight, Fedex freight and Fedex as "Home" charges.
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Old Oct 1, 19, 10:07 pm
  #1064  
 
Join Date: Oct 2014
Location: Northern Virginia
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Originally Posted by openwheelracing View Post
Those who have authorize users. Does Chase separate the charges of each AU? I need to be able to manage their charges separately without having to figure out what charged what.

You can view charges limited to specific AUs and I believe generate spend reports accordingly, though I haven't really played with the latter.

Also, what is considered "shipping"? I have a CSR that coded YRC freight, Fedex freight and Fedex as "Home" charges.
I can't comment on those; I've only used USPS which codes fine.
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Old Oct 2, 19, 11:34 am
  #1065  
 
Join Date: Feb 2003
Posts: 6,824
Originally Posted by openwheelracing View Post
Those who have authorize users. Does Chase separate the charges of each AU? I need to be able to manage their charges separately without having to figure out what charged what.
Yes. Both in the online activity list & on the printed statements, it's clearly indicated which card number (and thus AU) was used for the transaction.

This is true for all Chase business cards, as well as for most (maybe all) accounts for which each card/AU has its own number. Amex personal cards are a good example of this.
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