Update 9/5: DEAD!
Update 9/4: This is your last chance to get the incredible 120,000 point signup offer on the Ink Business Preferred® Credit Card.
Approval odds for the Ink Business Preferred® Credit Card are very high right now based on many (1, 2, 3, 4, 5, 6, 7, 8, 9, 10) reports of approval even over the 5/24 limit.
The card is currently offering the highest ever signup bonus for a Chase credit card. You will earn 120,000 points after spending $8,000 within 3 months of opening the card.
You do not need a registered business to get these cards. All you need to do during the application process is select “Sole Proprietorship” and use your own name for the business name! More information on these offers are in the post below or the Ink FAQ post here.
Historically, Ink cards have been among the more difficult cards to get approval for based on credit history, score, income, and other factors, but many readers are reporting incredible approval rates over the past few weeks.
While Chase normally has a 5/24 rule that limits approvals if you have been approved for 5 cards in the past 24 months, they occasionally make exceptions to the 5/24 rule, in line with the launch or end date of select offers.
And indeed, several readers have posted they have been approved for Ink cards despite being over 5/24.
The end date for the highest ever Ink Business Preferred® Credit Card signup bonus will be on 9/5 at 7am ET.
When previous offers have ended, approval odds get much worse. If you want to apply and get approved for this offer, you will want to do it right now!
Many readers and their spouses have both been approved for this offer. I and many others have been able to do that despite opening the same Ink cards earlier this year, and the bonuses for the new Ink cards are already posting. As long as you’re approved, you will get the signup bonus for any Chase Ultimate Rewards card.
I have numerous Ink Credit Cards between me and my wife for our business and you can apply for multiple cards for you and your spouse at the same time. Chase is making it incredibly easy to get approvals right now, more on that below.
The Chase Ink Preferred Card is offering a record-high signup bonus of 120,000 Chase Ultimate Rewards points for opening the card and spending $8,000 in 3 months.
Those points are worth a minimum of $1,200 cash back or $1,500 towards paid travel when redeemed through Chase Travel℠, but they can be worth much more. For example, if you or anyone in your household has a Chase Sapphire Reserve®, you’ll be able to use 120K points for $1,800 of travel. Or transfer over to airline miles or hotel points for even higher values!
Previously this card required as much as $15,000 in spending to earn a lower signup bonus!
No card has ever offered this many Chase Ultimate Rewards points for signing up! Currently, the next closest is the Ink Business Unlimited® Credit Card at $750 cash back in the form of 75,000 points for spending $6,000 in 3 months and the Ink Business Cash® Credit Card at $350 in the form of 35,000 Chase Ultimate points for spending $3,000 in 3 months and another $400 in the form of 40,000 Chase Ultimate points for spending another $3,000 in 6 months for a total of 75,000 Chase Ultimate points.
This bonus is the highest ever for any Chase credit card, that coupled with the current ease of approval makes this the absolute best time ever to apply!
Note on how to apply for a Chase Business card:
These are business cards, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.
If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.
If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.
Multiple readers have earned 270,000 points and $1,000 cash after getting approval for the Ink Cash, Ink Unlimited, Ink Business Preferred® Credit Card, and Ink Premier cards, and even more if you include a spouse!
Generally speaking, multiple applications made on the same calendar date only have 1 credit pull.
Ink cards include:
- Ink Business Preferred® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
- Ink Business Premier® Credit Card
Remember if you cannot pay your bills on time or you will spend above your means because of a credit card, then you should never open one in the first place. Read more about this here.
Have you signed up yet? How did your application process go?
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901 Comments On "HURRY! Absolute Last Chance! Right Now Is The Best Time Ever To Apply For A Ink Business Preferred® Credit Card!"
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Hi Dan, What is your top recommendation for a simple cash back card. Thank You
https://www.dansdeals.com/credit-cards/citi-double-cash-card-earn-2-cashback-everywhere-option-transfer-miles-via-citi-trifecta-united-business-class-israel-42k-points/
Do you have to run a business to get this card? Can it be for personal use?
As I write in the post, any hobby you have can be a business.
How does that work having a hobby as a business ?
Just use your name as the “Business name.” Sole proprietership.
On the billing statement, it says this at the end. Does this matter ?
“Your account is a business account,
to be used only for business transactions. It is not intended for personal, family or household purposes”
It does matter, assuming you care about Emes, and a basic baal bitachon and ma’amin that you shouldnt lie and steal.
agreed
But they ask you questions about the business. How much you make etc. what do u say????
Odds of approval if opened card within 24 months? have one at 20 months, any harm in applying?
They don’t seem to care for the Ink cards, should be good to go.
Thanks! will give it a try.
CA Property tax allows CC payment (2.25% fee, but worth it)
Fed tax is just 1.87% and you can always make an estimate and get a refund.
Approved! Does this mean I qualify for the bonus regardless?
I don’t see the ‘spend meter’ on the app for the card yet …
Correct, you’ll get the bonus once you spend $6K in 3 months.
Congrats!
This worries me. I was approved tonight for the Ink Cash and don’t see the spend meter for the bonus. I already had the Ink Unlimited for the same business from 5 months ago (still have it) and that had the spend meter.
Has anything changed for you in the last week?
There is nothing to worry about. You will get the bonus.
Ink cash was a breeze. But $6000 in 3 months may be a challenge.
Staples for Visa and Mastercard $200 GC’s when they don’t charge the fees. Generally at least once a quarter (I think). Otherwise, prepay a big chunk of your phone/internet bill, utility bill, taxes, etc.
And then how do you get that cash back into your account to pay off the balance? Getting all 4 requires $37k of spending. I don’t know about you folks but I can’t have that money stuck in GC’s…
You should only apply for enough spend that you can afford to pay off within the 3 months. AE’s advice is what most of us do, lock it up in gift cards, or prepay months worth of bills. I’m sure there are ways to get money out, but usually not 37K worth.
I believe the cards have 0% APR for 12 months so you could spread the spend over the year if you use the spend all at once (double check this info)
Been also approved for one of these cards plus a month later both southwest business cards instantly. Was at 5/24 but I don’t think chase counted my Helzberg one which is a “charge” card and only used in store. Also newer businesses low revenue so was kind of surprised for instant approvals on southwest but technically according to rules the one for each family is only applicable on personal cards.
I’ve actually read a couple reports of getting Ink cards when over 5/24, but we need more data points on that.
do these really bypass 5/24?
Try and let us know please!
I got denied. Have excellent credit. They said not enough business deposits, too many recent applications and something else. How much business income do you need for your sole proprietorship?
Interesting. Though the new amex credit report tool shows that helzberg account as “charge” instead of “credit card” so not sure maybe chase is only looking at accounts tagged as “credit card” since I got southwest bus as well. Definitely need more data reports on 5/24 recent approvals.
If it’s on your personal report, it doesn’t matter if it’s charge or credit. The system still counts it for 5/24 unless you call Chase Recon and have it manually excluded.
Ah ok. Mine were all instant approvals note that as of Dec 2nd I became 3/24 and then got approved for southwest a week later though usually need go wait until beginning of following month for those accounts to drop off. For ink I was approved in November definitely at 5/24.
I was initially rejected due the Ink Cash due to being over 5/24 (but ended up getting it approved after showing that I was only an authorized user on one of the accounts).
Anyone have success cashing Gift Cards for money orders recently?
Can you apply for both the cards at the same time and get approved for them ?
Sure!
With one credit check?
Yes, typically.
You need to submit the applications at the same time using different browsers? I haven’t seen much discussion on this anymore and thought it doesn’t work anymore.
No, just the same day.
I applied 3 days apart because it took 2 days for the unlimited to be approved… as soon as it was, i applied for the cash, and was instantly approved w/o another credit check
Can you apply for two of the same card (ex cash)for two different Sole Proprietorship to get two of the same card ?
Doing one of each will make for an easier approval.
Spouse can get approved for same ink card on same business name?
Yes.
@Dan,
Does chase pull a hard inquiry for buisness card applications
Yes
Yes.
Approved! thanks!
Congrats!
Does anyone know of any gas stations or grocery stores in the Baltimore area which allow money orders to be bought with visa gift cards? Even for a fee?
I’d like to know this too. Or Silver Spring…
I have good personal credit, however, is applying under a new LLC less than 1 years old and after recently closing a business card under a different LLC a risky move and would I have less of a chance for approval?
It’s fine.
Applied for the Unlimited for my Wife and Myself, Approved.
Thank you, Dan
Congrats!
Will you try for Ink Cash as well?
not now.
too much $$ to spend at once in this period of time.
With chase lowering pay yourself back to 1.25% this is not such a great deal.
Do we know for a fact that is changing?
Either way, how is $900 for $6K spend and 5x points per dollar on a no fee card not a great deal?
And you can still get 50% bonus value on all travel, plus you can transfer miles to airlines and hotels.
It already shows the new value for paying yourself back for the annual fee.
I am not saying it’s not a good deal but it’s not the best time to sign up ever like the headline says.
Odd. They promised 50% bonus through 12/31. Have you tried contacting them?
I’ll send a message to them!
How do you get 50% bonus? Thought miles transfer to hotels is only on a af paid card?
Transfer the points to a paid card or someone with a paid card.
You got to be careful to send it to someone (family) not living at the same address. I recently needed more United miles and had someone transfer me Chase points, I got a phone call (and a letter) they wanted to know if I authorized the Chase transfer and told me I should not do it again only between family members living at the same address.
dan any more dp’s on 5/24?
Still learning how to keep this game rolling after a few years + of signups, etc. I think this question may help others too — If we already have these 2 cards and Biz Preferred (from your past posts), and the United Biz. And, on the personal side now have the freedom/freedom unlimited/Hyatt/quest/slate/united and saph preferred and Amex pers plat… Which card should we cancel or downgrade to reapply for these or another? Don’t quite yet understand the timing to make sure to allow on things before downgrade or cancel to get into next one, still learning here.
Also don’t want to flag a problem that doesn’t exist by applying for a second card of the same type on the business side, but tempted to try (sole prep on the original ones, would be same again). Thanks in advance and hope this scenario helps others w/multi cards for some time too! Happy Chanukah.
I have many Ink Cash cards for the same business, it’s not a problem on the business side.
Thanks! Will try. Is it smart to do two new applications for ones that I already have same 24 hour day for one credit pull or more risky considering they already give me a lot of credit and I had to move from other card to get new one last time.
dan I to have many of your past suggested cards for all my Llc’c are you saying its better to get another cash card on the same business as apose to another unlimited?
How much business income do you need to qualify?
Just applied, I’m guessing I was not approved. Since I did not get an approval right away.. I do have a few of chase cards, but for a few years. Any advice how to get the to approve. Thanks
You can try calling 800-453-9719. Or wait it out.
Thanks. What do you mean wait it out
Hi Dan,
I applied for all 4 cards at the same time. I called the number. In the past, I spoke to a rep who automatically approved it. This time, the first rep sent me to another rep, and when we were done with moving balances from another card to the new card, he said that it still needs to go for another final review! He then said that he needs to put me back into the queue to discuss the other 3 cards, and I didn’t think it made sense to spend another 2 hours speaking to different reps if they are not approving it in any case. I have a high credit score, so my credit isn’t an issue. Any advice?
I got denied, any sense in calling ?
It doesn’t mean you are not approved. I was approved after a couple of days.
We have received your request for a Chase credit card. We’ll let you know our decision by U.S. mail. This could take up to 30 days.
Thanks for choosing Chase.
What are my chances?
Any idea why I got the message “Unfortunately, we couldn’t approve your application”
anything I can change or fix?
Call Chase Reconsideration: 800-453-9719
How easy is it to merge points from different accounts? for example if i get both cards and i have the chase sapphire preferred can i merge all the points into the sapphire account?
Easy as pie. Doable online or over the phone.
Ink can be approved after 5/24 already approved. Chase has also recently changed their algorithms, one of them for approval for the chase ink card. This, along with higher bonus signup, is part of a bold initiative by a Marc Badrichani of Chase, to drive up new card approvals in the last quarter of 2022
Awesome!
is there foreign transaction fee?
3%.
If you have a sapphire reserve, points transferred to that and spent on travel end up earning 3 cents per dollar.
i just checked my app and says i need to spend 15k
Then you got the wrong card.
i applied from your link
$15K sounds like you applied for Ink Preferred.
ok thanks dan
Can you have two Ink Biz Unlimited? I got one 11/2018. I did get approval for the Ink Biz Cash last month. Was thinking about getting the Unlimited as well but I wasn’t sure if I could carry two at one time. Or would I need to downgrade to get it again? Thank you!
You can.
If u don’t have a business how do U sign up ?
Read the post 🙂
Don’t have any hobby?
can I use $6000 to pay myself with PayPal (ill send it to my chase account)
No
what will happen?
Hi Dan. If I have a legal business. Can my wife sign up under that ein number or sole proprietorship with her own name ?
Either.
so do these cards pass 5/24 or not?
Try and let us know.
Because there is 0% APR now on the card if do 6K spending within 90 days but dont pay it up until 8 months in full will we still get the signup bonus? If yes when does that happen when paid up or when spending is done on card? Thanks
Yes, the bonus is based on spending, not when you pay.
When is it beneficial to use the chase sapphire or reserve over this for spending?
Depends on the category of spending.
approved thank you
Congrats!
For business income, what’s the minimum you have to earn, to be approved for the card?
No set minimum.
When I click on the ink unlimited link it now says $900 cash back after you reach $6,000 in 3 months is the 90,000 point bonus no longer available or is it that the 90,000 can be converted to $900 cash back?
It’s 90000 points that you can use for $900 back or use as points.
i only see an option of getting $900 cash bonus, how can i get it in points?
Look up one comment 🙂
I just applied for the ink unlimited and got instantly approved should I apply for the ink cash right now aswell
Sure!
Do you know when this offer will expire? Thanks.
Nope. Can end at any time.
i currently have the old chase ink business card which gives me back 5x up to 50k for office supplies and communications (yields 250k a year per card ) which is great , is there any cards like that still available ? i would go for a 3rd card
No, that’s discontinued.
Surprised got approved instantly!
Already got the first bold card a couple weeks ago, over 5/24, already have a bold, and just got several other cards/ opened checking accounts in last week. They are really interested in approving people right now.
Congrats!
Approved for both, I’m over 5/24, used the same business name, actually just got the IHG business (already met the spending – work conference at an IHG hotel!), only 1 credit pull as I did them both within 1 minute (using incognito for the 2nd screen), didn’t log in to chase account to apply.
Awesome, congrats!
Any minimum Credit Score needed? My score at chase is 685.
Is it a problem if the $6,000 spending in 3 months is more personal spending and not 100% business use charges?
Nobody is going to check what the spending is for.
If I got a bonus on an Ink Cash card last year, can I get the bonus if I apply for the ink unliminted now?
You can get both now 🙂
Isn’t business accounts officially exempt from this rule?
Why temporary?
No. Business cards don’t add to your 5/24 count, but you generally need to be under 5/24 to get approved for one.
Oh thanks, I thought you meant that these add up to 5/24. Me and my wife applied a month ago for the unlimited and now for the cash card but we both had to call reconsideration to verify simple things. She needed to transfer some credit from her other account, but we were both approved for both in the end!
Is it only limited to CIC/CIU to bypass 5/24? How about other cobrand biz like Hyatt and SW?
That’s what we heard so far, but try and let us know.
Can it work with Israel bank account ?
dan I to have many of your past suggested cards for all my Llc’c are you saying its better to get another cash card on the same business as apose to another unlimited?
Just applied for both the Ink Cash and Ink Unlimited. Both applications said Status is In Review. Does this usually mean they are denied? Thank you and. Freilechen Chanukah!
Nope, just wait it out. Or call recon, 800-453-9719.
$6,000 spending is from day was approved or when card arrived?
Approval, but in reality they allow more than 3 months to make up for the time until you get it.
You can SM Chase to ask for your exact spending deadline.
Over 5/24 and applied for Ink Unlimited just now as a Sole Proprietor, however, didn’t get automatic approval with the 7-10 days message.
Already have Ink Cash – wonder if I should call recon and try to get it approved?
Sure. Good luck!
Hi I just got declined; I guess because of the 5/24 rule
Call Recon?
Applied for CIC and CIP in the beginning of the month using 2BM and got approved for both with high credit lines. Is it unlikely to also get approved now for CIU?
Seems to be a great time to go for more Ink cards. Let us know what happens!
5/24 waived- Are they also approving people who received bonus within 24 Months?
Yes, that rule is never enforced for Ink cards.
I’m relatively new to this. Can someone please explain the benefits and process of buying visa cards for money orders? I am trying to figure out how to spend enough to justify applying for either or both of these Ink cards. Right now, we are trying to complete $4000 by the middle of March on a Venture card that we really needed. I think we will have met that amount by the end of January, and I would apply for the Ink card(s) then, but I’m afraid the 90,000 points deal will end too soon to wait. I don’t know how to spend another $6000 dollars by the end of March if I apply now. From reading the comments, I think the key is this money order thing, but I’m not great with figuring out money, and need some help and explanation, please.
I am over 5/24 and I got an offer pop up last night last night that i am approved for the sapphire preferred and I got it!
Congrats!
Thanks for all your help and wisdom. Have you any idea when this offer is ending?
Nope, sorry.
Just got approved at 6/24!
Awesome, congrats!
Approved at 6/24
Thanks
Congrats!
Go for 2?
I am worried about a shutdown this isn’t my first card this year LOL
Hi Dan
I just applied and I got rejected do to the 5/24 rule
What’s your 5/24 count? Call Recon yet?
How many chase cards can you apply for in a certain time frame without getting denied or risking shut down?
I just applied for the Ink Premier and was rejected. I called the reconsideration line and was told the reason for the rejection is too many new cards in the past 24 months. I am currently at 7 under 5/24. Hate that I now have a hard pull. Wish Chase had a pop-up warning like AmEx.
That’s too bad, though hard pulls aren’t a big deal.
I wonder if Ink Premier might be outside of the 5/24 exception for the other Ink cards? Or maybe they’re only allowing up to 6/24? Or maybe there are other unknown factors?
Need more data points folks. 🙂
I had the same issue with the ink preferred. I have two ink cash and they denied me for preferred recently due to too many credit cards recently opened.
I applied for the chase business ink and united business 1 after another got approved for both on the spot and only 1 credit pull!
Congrats!
Which one did you apply for first?
Applied for both the Ink Business Unlimited and Ink Business Cash (separate browsers). Already have the Ink Business Preferred. For each new application, the response was: “We’ll let you know our decision in writing as soon as we can, and if you’re approved, you’ll receive your card in 7 to 10 business days.” I’m at 6/24.
Thanks for your request. Unfortunately, we couldn’t approve your application.
Chase Reconsideration: 800-453-9719
I had applied for the card right around the time of promotion it had said spend 7500$ and get 60k points but on the phone they told me they’d honor the other promo. Today I reached out after spending 7338$ and they told they’ll only honor the 90k points after hitting the initial amount of spending, (7500)…. Not a big deal only 163 to go bit found it a little strange….
Just got approved for both, over 5/24, thanks Dan, does the waiver apply to other cards as well?
Congrats, what’s your current 5/24 number?
Not sure if it applies to non-Ink cards yet.
Can I open several of the same business cards as a “Sole Proprietor”?
Immediately called recon after “app pending” notice and was transferred to an official recon specialist and she said there was nothing she could do after reviewing my credit report and seeing 6 new accounts in the last 24 months. Denied. So either others are just getting lucky or I just missed the window and they’ve already reverted back to enforcing their official 5/24 rule.
Interesting. Or maybe calling Recon is the wrong move here and people should just let the system process it.
Another DP. Just processed 2 apps. 30 day message for me for both . Applied both ink cash and ink unlimited. Gonna let it ride out. Probably denials. We’ll see. Thanks guys.
I’m 6/24 btw
Do either of these cards give 1.5 for travel, so that I can combine with my 1.25 sapphire preferred points?
Ink Unlimited gives 1.5x on everything.
https://www.dansdeals.com/credit-cards/awesome-earn-record-high-90000-points-excellent-no-annual-fee-chase-ink-unlimited-card/
So you are saying that it gives 1.5 points on everything I swipe.
What I’m asking, is , when I get these 90,000- 99,000 miles, will I be able to redeem them for 1.5 in travel, or will it be just 1%, (and only 1.25 when combining them with my preferred card)?
1%.
Or 1.25% if you or someone in your household also has a CSP or CIP. 1.5% with CSR.
When closing csr card can I transfer points to ink ? Will csr continue instacards credits next year ?
Amex Plat af refunded only if cancel 30 days from billing, or anytime prorated ?
I was approved for both after doing some credit shuffling. What I didn’t realize is that I already had the cash card. I asked the reconsideration rep if I’m eligible for the bonus and she said yes, but not so sure that’s true. The new card is on my EIN and real business name while the old has my personal name as my business name.
With Ink cards, you are always eligible for the bonus!
Congrats!
How often can I apply for the same card? What do you recommend?
Nope, at 9/24, in review and denied
Chase kicked me out almost 10 years ago closed our bank account and credit cards.
they didn’t give me a reason but said its permanent – would you recommend trying again?
Any downsides in getting card for both of my businesses and personallly for me and my wife?
6 cards each 12 total
I received an “in review” status for both the Ink Cash and the Ink Unlimited. I called recon and they said they are experiencing high volumed of applications and I just need to wait for an update via email and regular mail…..
I think a lot of those approved today are either misinformed on what 5/24 means or just got really lucky and slipped through the cracks. Tons on DOC are being denied due to 5/24 rule. 5/24 is if you have > 4 PERSONAL accounts in the last 24 months one will be denied. Not inquiries or business accounts that don’t report to person credit. With that said I was 6/24, very high FICO scores and 5 chase personal cards and denied to 5/24 rule after recon call. Apply with caution and if you don’t mind on getting likely a HP to your Experian report. Was worth the risk to see if true, but indeed it wasn’t. 5/24 is certainly in effect.
There’s enough DPs from posters here that know how to calculate 5/24 to show that something is going on here. Especially with the automagic approvals.
If 5/24 was a hard rule, then people would also be getting denied instead of many going to pending.
Calling Recon seems to be the wrong move here. Better to let it play out if you are over 5/24.
I spoke to a Chase supervisor who told me 5/24 is not a rule that can’t be bypassed but rather a guide line that can be passed if like elon musk applies for a card we will approve him even at 5/24 (this is the reps example not mine!!)
Cards are approved but haven’t see any message about to spend 6000$ to receive 90K bonus points.
How would I get confirmation on current promotion.
Send Chase an SM.
Have people been getting approved for 2 cards with both being for a sole proprietorship..?
Yes.
If I currently have a 6 year old ink card are there any benefits to closing this down before applying for 1 or 2 inks now …? Or will it not affect my approval chances in any way ?
Shouldn’t make a difference.
I have tried for this card the past couple months and keep getting denied. My wife as well. I have received business cards in the past and have a decent banking and personal card relationship with Chase. The last letter mentioned too many cards open in the past two years, business structure, and lack of business banking history with Chase.
Open a business checking account?
I opened up all 4 ink cards (Business Premier, Business Preferred, Business Cash and Business Unlimited) within the past 50 days and got approved for all 4.
I did all the spending already.
Think I should try to apply for another 2 of these cards? Or shouldn’t push my luck…
I think I input the wrong SS by accident…what should I do?
Thank you!
Probably just apply again now.
@Dan: Received message as for Ink cash “We’ll let you know our decision in writing as soon as we can, and if you’re approved. You’ll receive your card in 7 to 10 business days”. Do you recommend applying for Ink unlimited?
Approved for all 4 Ink cards! Insanity!
Which 4? All in one day?
Wow lots of spending to do!
Can one get in trouble for applying for one of these cards even without a business? I got the freedom a few months ago and want to get the cash now, but I’m worried it will look suspicious if I don’t have much spending on either account. Any risk getting the 2nd card, Dan? Thanks!
Meant I gor the business unlimited. Does anyone know?
You should be fine. Any hobby can count as a business.
Thank you. Instantly approved -used your link:)
Congrats and thank you!
First Unlimited was approved, second one (different EIN) waiting for approval.
Is Recon more easygoing now too??
Got rejected, letter states
We based our decision on the following reason(s)
Delinquency or other derogatory relationship with our bank
Credit card balances are high compared to the age of the accounts
Insufficient business deposit relationship with us
I (and my wife, respectively) have several personal cards with Chase, 10+ years banking relationship. Chase Proprietary Score shows as 847 (Experian Fico 8 is 749. I wonder if it’s because I shut a biz checking account a few months ago. This application was for a new biz though (I don’t have a biz checking acct for it yet)
Over 5/24 and instant denial for both ink cash and unlimited…
Thanks so much, I was definitely over 5/24.
Just got approved for TWO Chase cards! Thanks again! This is huge for me!
How do I combine ultimate reward points with my spouse? His credit card doesn’t show up when I try to combine them online? Do I call?
Yes call
Got approved for both way past 5/24 more like 7/8 in 24 months.
I have an ink business card just don’t know what type. Opened it a long time ago. Any risk that I don’t get the bonus? Would open a new ink cash and unlimited. Thanks!
Denied, 6/24. Last Chase approval was 50 days ago for another business card.
5/24 Most definitely not suspended. Applied for CIC at 12/24 and told no because of too many recent cards
If Citi denies your app. Because of too many recent cards does that mean they have a 5/24 rule? Point is every bank will deny cc applications if they feel you opened too many cards recently.. Clearly the 5/24 rule is not in effect – I would doubt they have the rule only for some people. .
Rejected. My husband is a sole proprietor.
Received a letter stating denial based on the following:
1. too many active cards and/or too much available credit.
2. A new chase business card recently opened.
Anything we can do at this point?
Which one of these cards are good for europe / israel car rentals ?
4/24 approved for ciu
Just got a amec bp last week
is there anyway to get the free cards to not have foreign transaction fees? Or to lower the bonus for the $95 card to spend 6k in 3 months?
Anyone get approved at 7/24 – I have seen many at 6/24 but nothing specifically higher. thanks!
got approved for 2 cards 3K limit on each.. any problem with maxing out on credit limit on business cards? I also tried applying for the citi premier card right after (30 minutes later) and got denied since they said that I applied for another credit card the same day- checked my Experian and it showed one credit pull from chase for the 2 business cards.. how much longer can I wait to apply for the citi again? THANKS!
Not a problem.
Maybe wait 8 days for Citi?
I read the fine print on the application and it mentions multiple times that THIS IS A BUSINESS Card and that you MAY NOT use it for PERSONAL expenditures or use the points for PERSONAL needs. — Do they really care about this? Why do they say this?
No. Legalese.
Question. I don’t have a hobby nor a business. Can I get one to use for when I give charity with a credit card? And, if yes, once approved, and I meet the 6k with non charity expenses?
Time to start a hobby.
LOL. I guess I’m out for now…..
My hobby is earning miles 🙂
We know! How can I use that hobby for eligibility for this card??
This is my question. What do you put down if you don’t have a business.
Hi Dan!
You’re really awesome for answering people questions and inquiries with such attentiveness!!
I was wondering the following:
The fine print of the Unlimited Ink credit card says the following:
I certify understand and agree that:
This is a business account which shall be used only for business purposes and not personal family or household purposes.
By me applying and then using the credit card for my groceries/clothing/other personal needs, I’ll be essentially negating the very agreement I agreed upon. I’ll also be retroactively lying on my credit card application – which I’ve seen industry experts call that “fraud”.
I was wondering if you can clarify the legality of applying for this (very tempting card) and then using it for personal uses (that cannot be chalked off to “hobbies” – like buying diapers, clothes, or personal travel.
It’s not enforced.
i applied a week ago for ink cash. Got instant denial. Called up they said I am over 5/24.
Called reconsideration today and got approved! Thanks Dan
That’s fantastic, congrats!
What’s your 5/24 number at?
not sure exact number. some of them were authorized users. but a week ago they were giving me a hard time. i think this is 6/24
First UW was just being a PITA. Most will remove AU accounts when you call on recon. So you were under 5/24
Got approved for one and the other got this message – “Too many requests for credit or opened accounts with us” even though I applied at the same exact time from two different browsers. Any idea why?
I think I made a mistake- for some reason, your link to the Business Cash was not working on my browser, even when disabling ad blocker.
So I applied thru my chase account and was approved but did NOT get the introductory purchase APR of 0% for 12 months. If I SM chase, is there any they can give me the 0% APR promo?
Applied yesterday, got a “we received your request” email. Got a phone call today from chase asking to verify the info on the application. 2 hours later, I got an approval email.
I am over 5/24.
Thank You Dan and the forum.
Awesome, congrats!
can you be more specific x/24 for a data point?
Got approved for Unlimited, then tried Cash but was not approved. Got an email, it said ” We have received your request for a Chase credit card. We’ll let you know our decision by U.S. mail. This could take up to 30 days.” Is this one probably a refusal.
no way to tell for sure…
I think 7/24
tempting since I’m the same…hmmm
Can someone help. I applied for my wife Chase Ini Preferred. Am I spazzed or what? I thought the offer was spend $6000 get up to $1800 worth of points, but now can’t find the offer, even though im pretty sure I saw it here on dansdeals.
Anyone? Did I spend $6000 for no reason?
The offers for all 4 Ink cards can be found in yesterday’s update of this post.
Dan,
Do you have separate Chase logins for your ink business cards? Just trying to figure out how to keep track of multiple cards.
No, same login.
Instant denial for the NAF Ink Cash. Too many cards. No soup for me.
Hi Dan,
What minimum credit score do you recommend having to apply for the ink cash/unlimited cards?
And how long will the 90k bonuses last?
I applied for both cash and unlimited but I forgot that I had a credit freeze. Message said I should unfreeze and then call them, but if I call, will they let me get both, or will they reject me out of hand?
Any ideas for this problem? Should unfreeze and then call Recon? Should I start new app even though they said not to? Should I wait for this app to expire (how long?) and then reapply?
Dan, I closed a sapphire preferred card and allegedly didn’t transfer the UR points to my freedom card prior to closing. I noticed a few months later that my freedom points were less than they should’ve been. I called CS and they claimed that after 30 days the points are forfeited and you can’t reclaim.
Any ideas on how to recoup those points?
I purchased multiple GC from Staples when there was the $6.95 off since I wasn’t sure if I would be able to reach the 6k.
Now that I see that I can, would staples take a return on gift cards?
Applied for Ink and Unlimited simultaneously in 2 diff browsers, got approved for ink and denied for unlimited.
Thanks Dan
What do i put in for the EIN number?
SSN for a sole proprietor.
If applied last month and got declined for be 5/24 can I reapply for same card now?
No guarantees, but you can certainly try.
does 3bm still work?
Yes.
I’ve been approved for 2 ink cash and 2 ink unlimited under my name
Congrats!
Wife and I each approved for ink cash & business unlimited!
Thanks Dan the Man!
now how to spend $24,000 in 3 months…..
Congrats!
I have an Ink Cash that’s about a year old and an Ink preferred that’s 6 weeks old. Do you think I have lower odds of getting approved for the ink unlimited based on having a brand new Ink card already?
Nope, much easier to get multiple these days.
Awesome! You mentioned that 5/24 would be relaxed through 12/31, but made no mention of when the 90k offer would end. Is there an insider tip on that?
Nope, unknown.
My experience – I applied for Ink and Unlimited yesterday (12/27) and was set as pending. Received a notice today that both were declined for the following reason – Too many requests for credit or opened accounts with us. – which is mighty strange as I haven’t applied for a Chase card since Oct 2017 when I opened a CSR. I had a business Ink card in 2017-18 as well but that’s been closed for years. (My credit is 800+)
Any thoughts? Comments?
Call Recon and ask?
CC companies often don’t give the real reason, but maybe they just need to confirm address or something so yes, call
I applied for all 4 Inks and got approved. 2 of them about month and a half ago and another 2 a few days ago.
Does it hurt to apply now for another 2?
Do we have to apply by the 29th or be approved by the 29th to be eligible for the bonus? I just got an email that they need more info and that it would take 24 hours for them to receive what i send and to review.
I applied for the Southwest business card and they are asking for all sorts of documents. I dont have a business – what do you recommend?
Here’s what we need to continue reviewing your application
Please upload clear, easy-to-read copies of documents for the following:
Proof of physical address for each beneficial owner
Proof of legal name and physical address for business
Proof of physical address for authorizing officer
Proof of federal tax id for business
I’m guessing you didn’t follow the advice in bold red letters in this post?
Start again from scratch.
i got approved like 3 weeks ago for both no annual fee cards do you think could apply again and get approved???
Dan , I saw your post that any hobby or tutoring (like I do can count) as I was filling the application I saw it says that you are agreeing to use the card for only business expenses which in that case I’d never reach the 6k spend limit. Is this something they are actually makpid on or just a technicality that they put in?
Technicality
Thanks
And does the pulling of credit on Buisness card affect your score?
There is a hard pull, which has a small effect for a short period of time.
Thanks Dan
Got both!
Congrats!
Thank you!
I apply for the Cash card yesterday, got an email that in review and wait a decision by U.S. mail. This could take up to 30 days..
Today they called me, and ask the verify my business address (I have a real business),
and they approve me Bh right away.
Thanks.
Congrats!
If you can meet the spending, go for another one!
Thanks,
But i apply yesterday for the first card, and i don’t need another inquiry on my credit account!
Inquiries fall off. The 90K points is worth much more than that.
i got approved like 3 weeks ago for both no annual fee cards do you think could apply again and get approved???
Is it true that if you were a approved for a ink within 30 days they won’t approve for another?
No, that’s fake news.
Is this dead?
No
When does the 3 month spend window start? Meaning at activation or from a certain time after sign up? Is there any 6 month spending cards available?
From the time of approval, though there’s usually a couple weeks extra grace period. You can ask Chase for the deadline.
Chase cards are typically 3 months.
Hi @Dan was BH approved for both instantly, Thanks!
A little different topic question, which points is more valuable, any of the Ink’s, or Sapphire preferred (personal)? & as well I’m planning to downgrade my Sapphire soon would it be a difference in value on the points so I should use them before downgrading it, or it wouldn’t impact the points earned as a sapphire? Thanks so much!
Sapphire Reserve: 1.5x and transferrable to airlines/hotels.
Sapphire Preferred: 1.25x and transferrable to airlines/hotels.
Ink Preferred: 1.25x and transferrable to airlines/hotels.
Everything else is worth 1 cents each and requires one of the cards above for transfers.
Thanks So much! If I’ll be transferring my ink points to my preferred, will the ink points increase in value, right?
I was approved for the Ink Cash card a few weeks ago and have done a good job of capitalizing it by getting lots of gift cards from Staples. I should be near the spend threshold by next week. I got approved last night for the Ink Unlimited card, so I hope to get on that soon.
However, during the sign up process of the Ink Cash, it made me create a new sign on username and password. I’m trying to figure out how to link the accounts, but the ‘manage linked accounts’ section isn’t showing up. When I google the link and click on it, it tells me ‘this part of the website isn’t working right now’.
I also don’t see another way of adding another account in the Ultimate Rewards section of their website. It’s only showing up what’s actually linked to each account (personal and business separately). Any ideas on how to go about moving the points from my business account to my personal account, which is where I have my Sapphire Reserve?
Thank you!
call them they had helped me in the past with both of those problems
Do we have to do multiple browser and apply at the same time if applying for more than one at once for same user?
It’s a strategy, but not required.
Any information / experience if you need a high credit score to get approved now for this? Is it worth trying w/ a lower score, or the pull would hurt your score even more?
Just got my second ink cash under my name!
Congrats!
Hi Dan, any word on when the 90K offer expires?
Thank you
Nope.
Help- I just applied and accidently wrote that I have very high monthly expenses (more than my income). Dan- do you think I should call to and have them change it, or should I wait to see if I get accepted?
In the past with another bank I have had success changing that with reconsideration but I don’t have experience with chase
Hi Dan! Have 4 chase cards opened 2022. 1 CSP and 3 biz (2 Inks) cards. Any risk of shutdown/review if I apply for 3rd Ink 31 days after most recent?
Should be fine. Good luck!
I applied just now, and received a message that my application is in review… I will receive their decision in writing, and if approved I will receive a card in 5 to 10 business days.
I then went to look something up in my email (less than 1 minute later), and I already had an email from Chase that my card was approved!!!
Thanks, Dan!
Congrats!
Hi Dan what is advantage of business card over just ink cash or unlimited cards ?
I’m 5/24 and got we need to review your application with no timeframe on it. Should I call?
Tough question. DPs going both ways on this one.
Had the same response from Chase. Called the reco number. They asked me some questions (do I own or rent my house, what exactly is my [legit] business) then said it needs to go to a follow up review and I’ll hear from them in a few days. But within a few hours I got an email that I was approved!
(Interesting that so many were approved for multiple cards immediately and I had my one application held up for review. I’m assuming a second application would garner even more scrutiny so don’t think I’ll bother)
I’m 5/24 and got email to send email for more info does this mean I’m approved?
It should mean that you have bypassed 5/24, good luck!
Thanks Dan
Now if I apply for another today will it be on the same credit check? I applied last night
YMMV
Any data points on this working for those who were shut down by chase?
Hi Dan
Interesting thing I thought you’d like knowing. My Chase CR Pay Yourself Eligibility changed this morning to grocery purchases and only 25% extra point value vs 50% extra points value they had till now on dining and AirBnB.
Thanks for all..
I still see 50% for dining and Airbnb.
approved. thx dan
Will Chase do a CLI and a new card with 1 credit pull if I do both at the same time?
Turned down. Too many credit cards opened in the last two years associated with you
Business structure
Insufficient business deposit relationship with us
I applied trough the link here. Got approved instantly without having any business or even hobby. Just wanna know if i need to spend the 6000 on the primary, or u could Davide it between all added cards?
You can divide it.
Why only 3 days left?
good credit but 9/24 – got approved after calling recon. only got 5k line so didnt bother applying for another.
Awesome, congrats!
No harm in trying for another, it’ll be the same pull if you applied today.
My second card got approved for a higher credit line !
What was the recon conversation like? And what was the original denial reason – too many recently opened lines of credit?
Dan, I see you wrote that some readers are getting 280k points and 1,000 how do I get that. I was approved earlier today
By getting multiple cards.
Got it
Anyone have good ideas how to spend the money in just 3 months? Would love to get the card but not worth applying if won’t do the spending (which I have no way of doing)
Maybe include in the post how we can spend 50k in 3 months? The gift cards @officemax/staples ain’t cutting it…
If I apply as sole proprietorship, do I even have a chance with $0 revenue?
Or is my general income my “revenue”?
If it’s in your name, you can include that.
Just got approved for one right away and then the 2nd said pending review…any insight?
You can call Recon for that.
Is there a specific recon number to try? I know there’s so many
800-453-9719
Sorry for the back n forth- they’re asking for an application reference number which was not provided on the decision page and then says the office is not open now. Am I doing something wrong?
Tried a 3rd and also pending- maybe not meant for me….
Call back during business hours.
They called me to make sure that it was me that applied (it wasn’t, my husband, applied for me, but I figured it out immediately what she was taking about, since I saw Dan’s recent posts.) As soon as I confirmed that it’s me, they told me that I was approved.
Awesome, congrats!
if my application is pending they will let me know in up to 2 weeks i think it means I’m approved, can i do another application for the other ink card?
Instant disapproval for Ink Cash despite a real business and robust income. Have an Ink Unlimited and several personal cards with high limits for years, pristine credit. I can try calling to shift credit limits, but either way, clearly not as easy as this post makes it seem. I suspect there’s a high degree of selection bias in the reports of successes vs. failures
How do I apply for all 4 inks at the same time to ensure it’s one credit pull?
If you apply on the same calendar day it will be one pull.
Applied for Ink it’s in review, can I also apply now same day for a personal card and it will be one credit pull?
Dan, if you don’t mind, please confirm I have this all correct (for me and the rest of the readers):
If my spouse and I both apply for both no-fee cards, and both reach the minimum $6K spend on each card, then we will be granted 360,000 bonus points.
Now assume I earn a AVERAGE of 2.5 points per dollar on my $24,000 spent, that would be 60,000 points.
That would be 420,000 points.
If I transfer those to my reserve, they’ll be worth 1.5X more, totaling 630,000 points.
And if I apply for all 4 cards (2 each) on the same day, it’ll only be one credit pull.
Is all the correct; and can you please answer the following:
Where can I transfer my 420,000 points to earn 2X points (as opposed to 1.5), like you mentioned in the post? I have the Amex business platinum if that has anything to do with it.
Please confirm the first half here, and answer the last question here.
Thank you so very much for helping klal Yisrael as much as you do.
Aaron
Hey Dan. A few questions…
I currently have 2 personal chase cards freedom something and a BA visa.
In my account, I see “You’re already pre approved” for Slate edge, Saffire preferred, reserve and the united explorer cared with first year fee waived.
Will signing up for the personal cards also do a one hit if I do all on same day?
Should I do business and personal on same day- would that also be one hit if I go the sole prop method?
How about if I have an existing business “with paperwork” as you put it, could I sign up on that name and also on my name?
Thank you in advance.
i applied for ink cash, was told 7-10 days, called right away and i was rejected only due to 5/24
Y
I was approved for the ink cash card a few weeks ago. Now I want the other ink card. Will chase do another hard pull?
yes.. for sure
How bad will that affect me.
How many hard pulls should one do a year?
Dan, I was told that one of the business cards has great earning capabilites but that those points are non combinable with points earned from other cards. Is that accurate? If so, which card?
@Dan, how in the world do you meet the minimum spend on 7+ credit cards? I’d be super interested in a post to see how your doing these exactly
I’m 5/24 and just got approved for both Cash and Preferred with a new business EIN (opened 3 months ago). I didn’t do simultaneous browsers – after approval for Cash, I decided to go for Unlimited, 5-10 mins later.
I already have a sole proprietor Preferred and Unlimited, and personal Sapphire Preferred and Amazon. Possibly relevant DP: minutes before applying, I called Chase to halve my existing credit line for my (sole proprietor) Cash and Unlimited cards. Because…
A year ago, I was rejected for Unlimited (as a sole proprietor). Recon put me through a lengthy (almost an hour) interview, and ultimately decided to approve me on the condition of not extending me any additional business credit, so they split my Preferred credit line, extending half of it to the new Unlimited. Hence, my decision tonight to halve my 2 biz card credit limits before applying for new ones.
I’ve now gotta spend $12k, and then take quite a few biz/1st class flights next year (which I’ll book with sales I find here – thanks, Dan!)
just got approved for both but only a 3000 credit line on each, can i transfer my personal chase cards credit line to these cards?
no.. business CL & personal CL are different.. no crossing.
Someone, please, what is basic difference between Ink Cash and Ink Unlimited?
I am a day to day minimal user and travel is not on the horizon. I’ll meet by threshold with my tax payment. I buy a lot of groceries, eat out occasionally, and buy a lot of crap on Amazon for the 8 (beautiful) grandchildren. I pay (several) shul dues and prefer charitable donations for those in need of food.
Which card is for me?
https://www.dansdeals.com/credit-cards/ink-card-faqs-everything-need-know-get-credit-card-deal-year/
“Q: Should I apply for the Ink Cash or Ink Unlimited card?”
Batting .500.
I was approved. Wife was not (5/24). Spoke with recon supervisor
Congrats. Go for a 2nd for yourself?
Opened Inks on 12/27, 10/31, 8/14.
Too many in a short timeframe for another application?
Nope,
All the rules have gone out the window for now.
Applied last night, and was told that I will get decision in mail within 2 weeks, I called the reconsideration line, but they just told me the same. anything to do?
Wait it out at this point.
2 weeks is generally an approval…
7-10 business days is almost always a denial
It’s one thing to figure out how to spend $24,000 over 3 months. It’s quite another to figure out how to pay $24,000 of bills after 3 months.
@dan Just applied for another card says verifying for 30 min what should I do
I applied for a second ink card ant the page is saying “verifying information” for a half hylr allready. What does that usually mean?
You applied for 5 Chase business cards on the same day???
Approved under one business for Ink Unlimited about a month ago. At that time, applied for another business and was rejected. Today, applied for the first business for Ink Cash and was approved, second business for Ink Unlimited reapplied and now under review. Applied for second business for Ink Cash was not approved.
Over 5/24. Applied for Ink Cash and Ink Unlimited. Declined for both.
Im in 5/24 and got declined. Any use in calling?
3/24… I do consulting/have a sole proprietorship. Applied without signing in to existing account for Cash and got instant approval. 5-10min later applied for Unlimited but was signed into personal account oops, instant denial. Should I call recon? Or try to apply once more today without being signed in?
Can I apply for an Ink Unlimited and later change it to an Ink Cash?
(For reaching the $6,000 spend in 3 months, the Ink Unlimited is more valuable for me, since I’d be getting 9000 rather than 6000 points – the spend would be mostly if not entirely in non-bonus categories. But after that I’d rather have an Ink Cash for the bonus categories, since I already have a Freedom Unlimited. So I’d like to start off with an Ink Unlimited, and then change it to an Ink Cash once I’ve spent $6,000.)
My wife and I both applied for one of each and got rejected for all 4 of them instantly. Both under 5/24 although I did just open 2 other card in the last 30 days. Not sure if that’s causing the rejection. I’m going to try calling reconsideration but they’re closed now for New Years. They might be closed Monday as well so we’ll have to see.
Got approved for both after calling for reconsideration. Thanks Dan
Congrats!
Good evening.
Is the Ink card only for [small] business owners?
https://www.dansdeals.com/credit-cards/ink-card-faqs-everything-need-know-get-credit-card-deal-year/
My lender is checking my credit using a soft pull in the next few days. Since they are only doing a soft pull, will they see this hard pull on the credit report or not? Thanks
Can you sign up for multiple sole proprietorships with the same name for the same card?
For pending applications which got a denial will the ease of approval still work by calling recon after 12/31 since they are closed probably until Tuesday
Gv Dan. Thanks a lot for all of the deals you always post.
I by mistake applied for a chase card that does have an annual fee. Is there a way to ask them to change the card that I was approved for?
No
Has Chase been aggressive with financial reviews and will applying and being approved for these cards trigger one?
Me and wife got pending on all 3. Should I wait or call them now
@dan I see on the application that chase may send you 1099-misc form, if you receive a sign up bonus is this new?
There’s no 1099 for credit card signup bonuses. Just legalese.
Hi Dan,
If I wasn’t approved 3 weeks ago for a chase card because of too many hard inquiries and new cards in the past 3 months, should I try now?
Is there better chances of getting approved ?
I applied for Ink Cash only 40 days ago, now applied for Ink Business Unlimited tonight and got approval right away, Thanks Dan
Congrats!
Said perek shira?
@Dan Sorry if this was asked, do you recommend we call recon if the application is pending or should we just wait and hope for the best? Thanks
See here
https://www.dansdeals.com/credit-cards/ink-card-faqs-everything-need-know-get-credit-card-deal-year/
I got denied on 11/28 and tried again now and was instantly approved b”h
Thank you Dan, I wouldn’t have tried again if I wouldn’t see your post.
Amazing, congrats!
Applied, status is pending with decision in 2 weeks. Now realised my experian file was locked. But it’s pending, not declined. Recon is closed for holidays. Is it wise to apply for a different ink, now with an unlocked credit file?
Got now a decision pending…
Does it matter if you end up using the card for personal expenses (groceries) even if it’s a business card?
Applied for the ink unlimited and got approved instantly bh
Thanks Dan.
Being able to apply for the same exact card that you already had this year is always with the ink or only going on right now till January 1?
applied on friday and got denied. called recon and it is now under review. anything to do before 12 am?
I applied for me and for my wife (as Sole Proprietorship), same info, just the names are different.
She got approved right away (Thanks!), mein are still under review.
How long will this usually take to review?
I applied just now and it said the offer isn’t available and then said it received my application and the information wa submitted. What is that meant to mean-Has anyone else received this message? Should I reapply?
thanks Dan I got approved before shaboss, my wife applied now (under a different business )and got denied. any suggestion?
1:30 est. the 90000 point deal is still active. No idea about the approval rate
Approved for Ink Premier !
Thanks Dan
Applied for 6 across 2 players. All 6 went pending.
Ink unlimited and Ink cash both were pending for 12 hours and got approved BH.
Just applied for ink cash and ink unlimited approved Jan 1 2023
In order to get the bonus on the same card that I already got the bonus on, does the credit card need to have been closed prior to signing up for the same card again?
Applied 12/31 evening and received “we need to check more details”. Didn’t even get a confirmation email or anything.
Did anyone who got these cards try to pay their taxes with this? I tried and was told that the card type is not accepted? anyone else have this issue?
Hi @Dan, First Thanks so much for all that so helpful Info! BH I was approved for both at the same time! & My wife’s application is still pending, I hope for the best. You’re writing: “If you redeem those points for cash that’s $3,900-$4,380,” Does Chase have such an option to redeem it for cash? Or you mean selling them etc.?
& also what do you mean with: “Improve your redemption value to 2 cents each and that’s $7,800-$8,760 back!” What’s that? How do i do that? Thanks so much again!
Wife was approved for both today after calling rec. (was declined originally for too many cards opened)
DP: Just applied at 7/24 got denied within a few hours, tried calling today and notified that ejection was strictly due to the amount of credit cards I got in the last two years. Recon also mentioned the 5/24 rule.
Got pending called recon got accepted immediately
Had a somewhat nervous call with Chase where they noted 4 recent applications and had questions about my business (which is a *very* small scale ebay business). They refused me for the card (premier) because my business wasn’t big enough. That was the card I cared the least about, but perhaps pushed things too much.
Received detail as below can anyone suggest how to proceed further
Please upload clear, easy-to-read copies of documents for the following:
Proof of legal name and physical address for business
Proof of physical address for authorizing officer
Did you apply in your name and SSN as the Tax ID?
I got a call from Chase requesting more info about my buissness before I can be approved for the cards.
Applied and got approved 01/05/2023
Got an Ink Cash and unlimited.
Activated the unlimited no problem; now the cash I tried, they asked me a ton of verification questions and say its on hold and I will receive a call back in 24-48 hours…
Aside from not stating the obvious, that I signed up to receive the bonus; any advise on my approach with them?
I just noticed Premier – didn’t realize there was a 4th one in the mix. Instead I applied for a 2nd Ink Cash recently. When did Premier come out? Going to read your review. Other than sign up bonus being $100 more, looks like it’s good for bigger purchases, so no sweat. I had to call reconsideration line on 2nd cash one, so don’t think I should push it too soon, but maybe later this year.
I accidentally applied for the ink preferred. I got approved but out of the three cards it’s the worst it seems like (you have to spend 15k to get 100k points). I want to apply for the other ones bht what’s the best way to do it? I don’t have enough cash flow to spend 15k and also 6k and another 6k. Should I cancel this preferred card and apply for those? Should I just leave this card and not use it and cancel it before the annual fee? Any tips?
Also anyone know of which forum can explain to me the best way to hit spends- I’m new to this cc game!
If you can spend 15K stick to this card, you can downgrade it after a year, the points are much more valuable if it’s your only chase card with an annual fee, if you can’t spend 15K apply for one of the others, and cancel this card only if you can’t afford even the first year’s annual fee by no means.
Has anyone here done a quad app in one day to get all the inks on 1 hard pull?
2 app 1 day-1 pull both approved after reconsideration
I opened a CI Cash last year (few months ago; missed bonus)…is it better to cancel that before applying for another?
Dan, how often do you close your ink cards and how often do you reopen them? Will you keep these 9 open?
For some reason, I already received the 90,000 points bonus before I spent $6000. (At the time that I noticed the points, I was at $5,400).
Is this normal, or something unusual?
If i just got approved for the ink card do i get the full 90 to spend 6k?
If I have a 571 credit score is it worth to try?
Does closing a business line of credit have any affect on your personal credit score?
No
I opened the card two months ago and my credit score still does not show any pull from them. Does this make sense?
Same here
If my oldest credit card is like 9 months old but I’m an authorized user to Someone do I have a chance in getting approved?
Article specifically states Ink Cash & Ink Unlimited will eliminate 90k SUB. Will the Preferred continue to offer 100k SUB for $15k spend for the time being?
Hi Dan- are you no longer suggesting to open these cards with a “hobby” – if so how would income be reported?
A hobby can certainly be a business. You can include all household income.
Hi Dan,
If my oldest credit card is like 9 months old but I’m an authorized user to Someone do I have a chance in getting approved?
Yes
Dan, I got “in review” for the unlimited, and “rejected” for the cash card.
QQ – when putting EIN – do I switch it to SSN and enter my SSN, or do I just put the SSN in for the EIN?
Any reason why I got declined if I have a great credit score?
Call Reconsideration.
can I refer myself from a chase business cc with my name on it to open another cc for my llc under my name?
Referring yourself is a quick way to get all your cards shutdown.
Hey Dan, I’m getting married next month, should I still sign up now for the ink with m
Current name as my biz?
Also can you transfer points from a biz ink unlimited to a personal chase sapphire reserve? If so how?
Yes on both.
You transfer points to reserve in your Ultimate rewards dashboard, under “Combine points”
Just got approved for my second Ink Unlimited Card.
As Sole Pro. Or Reg. Business name?
Hey I got them about 2 months ago any chance of approved again now
Anyone got approved with less than 1 year CC with chase?
is there a way to track the spending toward the SUB?
On the app. Rewards homepage.
If I am at 5/24 until can I apply now while the promo is still around and then call recon in a few weeks once after 24 month and they can process the application or does it depend on the application date?
YMMV.
Some people are also still getting approved over 5/24…
Is there an international exchange fee?
3%
i just got the 90,000 sign up bonus on the ink card after spending 6k, is it ok to use it already now towards my statement credit? or should i wait a few months to use it so that it doesnt look fishy that i got the card just for the sign up bonus?
You can. Though the points are worth more towards travel or as miles.
Post changed to ending very soon from end of March. Is it ending earlier?
How soon? Is there an exact date?
Looking to apply for 6 cards, spend on gift cards and convert into cash to pay off the cards. Is this feasible? Recommended?
What date is it ending?
It is ending 3/13 8PM
Still alive. where did you get this info from?
If I apply for both cards Ink Cash and Ink Unlimited credit cards in the same day, will chase pull 1 hard inquiry or two? and do I have a chance to get approve form both?
Instant approval to unlimited with your link, thanks! Go for doubles on the cash?
Congrats!
Sure!
Instant cash approval too! thanks for the push! 🙂
Congrats!!
If Time is running out can i just Paypal someone (pay 3%) to meet the 6000$ threshold
As a purchase, sure.
Can also pay tax estimates for 1.85%.
is the 90,000 over? I see it says $750 bonus for spending $6k…
Link in post is still good for 90K while it lasts.
Does it make sense that they won’t approve me for a second card on a second business?
Try for a different card type?
When exactly is the end date?
Got approved for CIC. Tried moving over credit from Premier, they said different type of product and can’t move credit between these two types of cards. Is that correct or just misinformation?
Premier is outside of the ecosystem of all other Chase cards, so I believe that’s correct.
It’s a one way street. You can move to Premier but can’t move it out of Premier. It’s crazy I moved 50k to Premier and did not know this until I was told I can’t move it back out.
Ouch.
You CAN move credit out of Premier (I did) it’s just us the points that you can’t move.
If I apply for a 2nd ink cash and I’m denied immediately, will a hard credit pull be performed?
Is it confirmed that you only get one pull when you open both ink cards in one day?
Yes, but as always YMMV.
Sorry but what’s ymmv?
your mileage may vary
Dan, we need a post with all your acronyms
Lol, I only use a couple here that are easily Googleable.
But for DDF:
https://wiki.dansdeals.com/Acronyms
https://forums.dansdeals.com/index.php?topic=10531.0
https://forums.dansdeals.com/index.php?topic=13317.0
do we know when this offer is going away?
I have the CIB+ for years. Was approved for the CI Cash in 11/2022 then was approved for the CI Business unlimited in 12/2022. I’m below 5/24. To put the odds in my favor, I messaged Chase and lowered the line of credit of several business cards then applied for a second CI cash and was approved. So lower your available credit on existing cards before applying.
Just got approved for a card for my wife
got two cash ink cards 2 months ago
i just need one more for me and i am set.
when should i apply for another chase ink unlimited?
also what other card can i open while the rule is suspended?
Just got approved for myself also so got all 4 cards using this post
400K points need another 200 K points for a nice long family vacation please advise what else i can open
How about a vault?
My wife and I were both approved for one card at the end of Dec. and declined for the 2nd due to too many requests for new cards.
Would it make sense to reapply now? Anyone else with a similar situation having succeess now?
After being approved, it prompted me to create a username/pw, but I entered the details of a personal account by mistake and then it said I’ll have to restart the application…however, I already got a welcome email. WWYD?
So I got approved for an Ink unlimited instantly. Think I can apply for an Ink Cash right away?
Congrats, sure!
@dan. Can Someone get these cards if they do not own a business. Will they be flagged?
Does 3BM still work for instant approvals. I have not done this for half a dozen years.
@dan If I don’t get instantly approved for one ink would you recommend me applying for 2nd one right away cuz I want one credit pull or i shouldn’t apply for 2nd card before I get approved for 1st one thanks?
Which one should i apply for, Ink Unlimited or Ink Cash?
What’s the differences
https://www.dansdeals.com/credit-cards/ink-card-faqs-everything-need-know-get-credit-card-deal-year/
If I’m blacklisted fro chase, can I be approved for this card?
As far as SSA – SSI, NJ community programs is this considered having a “Business”?
Dan- I have an Ink Business Plus and now got the Ink Business Cash. Is there any reason to keep both?
The Plus card gets the 5x on $50K of spending per year instead of $25K.
It also has no forex fees and it can transfer points to miles.
So if I have a Chase Sapphire Reserve (to which I can transfer the UR points) and don’t spend anywhere near $25K on the 5x categories, there’s no real benefit in keeping both and paying an AF on the Plus- right?
Correct.
Thanks, as always. Wishing you a Chag Kasher V’Sameach!
My wife and I each got an Ink card and have received the bonus points. How can I transfer these points to United? I have a Chase United card too. I dont see the link to “transfer to travel partners”
https://www.dansdeals.com/credit-cards/2023-ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-chase-quinfecta-killer-combo/#Premium_cards
I got approved for a 3000 line with the Ink Unlimited. Is this typical? Why so low?
You can call to move around credit between business cards.
Can I move from personal to business?
No
Does 2BM still work ?
Yes
My credit is not great at the moment, I am over 100% credit to debt ration and some late payments. and my Chase personal card Is maxed but I have been making min payments for ever.
Is there even the slightest chance I can get approved?
are any cards getting approved with credit issues?
Honestly, I would reccomend you avoid signing up for any new CC’s. You seem very vulnerable.
I have 4 chase personal cards from many years ago 3 freedom and one amazon. Will this affect applying for these? Thanks
Nope.
If I got a ink cash a few months ago with a sole proprietorship, are chances unlikely to get approved for another one a short while later ?
Go for Ink Unlimited?
Just signed up for both the Ink Cash and Ink unlimited for both my wife and I. She got instantly approaved, I got rejected. :/
Call Recon?
Whats the number to call for recon?
Quick question. I have an older Chase Ink “Plus” card (prob 10-15 years old). My wife has a Chase Ink “Preferred” card that’s a few years old. We need to keep one in order to transfer points to travel partners, but want to downgrade one since they both have annual fees. Any suggestion which one to downgrade? Thanks in advance!!!
Very different cards, what else do you use them for?
Honestly, we’re not active with them other than to transfer the points we accumulate from spending on other cards to travel partners. We have the same issue with a couple of sapphire preferred (not reserve) cards which have annual fees but we don’t actively use for spending and just got the sign up bonuses. Plan to downgrade those two in addition to the Ink “Plus״ or “Preferred” – whichever anyone, including you Dan, thinks makes more sense.
Probably keep a Sapphire Preferred open and downgrade or close the rest.
I’d like to apply if possible, so curious if “for business only” condition & ” not within 24 months” condition if there is any way to know if they are makpid….and what are you basing your info on. Thank you so much!
Not makpid.
Approved for two inks today even though I’m over 5/24. Crazy what they’re pushing.
Congrats!
What should I put for my “business established date” if I don’t have a business? Would it work with today’s date?
Come up with a business idea and use this year, sure.
How does 90,000 x4 = 390,000-438,000?
For the $6K in spending.
So you would have to spend $24k to get 4x?
I recall seeing an end date in one of the posts but can’t seem to find it now. Whens the offer slated to end?
I applied yesterday and I’m 99% sure the offer was still 90k, but when I logged in this morning it shows 75k or $750 bonus after spending $6,000
You must have used someone else’s 75K link. The link on this site is for 90K.
Hi Dan i need your wise help!
I applied yesterday thru your link for unlimited and cash and at same time for 2 united consumer cards all on different browsers,
Got approved for one united consumer card, the rest were declined due to to many requests for credit or opened accounts with us.
Called to reconsider ink cards, explained need to track different businesses expenses,
was told by Recon. agent that system didn’t let him approve. he told me between his words i would definitely approve your applications..
He explained me that the way it works is, They first need to take it out of decline status and have it back open again then they could approve you if they want,
He said in my case system didn’t let him take it out from decline status even after adding notes with my explanation so he got no chance to have it approved.
Any advise??
Thank you!!
4BM is pretty aggressive for most people. Can always try to HUCA though.
Did already.
Thank you Hashem!
HUCA HUCA HUCA!
Pushed thru an approval for both Cash and unlimited!
Luckily got a hand on a friendly Rep. she told me its the first call she answered for the day, explained her i applied for 2 different businesses and want both united because i want all the united perks for my upcoming 3 flights, she approved me for the cash, She couldn’t open more than 1 application in a single call so she put me back in the queue got an other Rep. which approved the unlimited.
Undecided if should continue HUCA for the 4’th card a united quest card since i am not sure i will be able to reach spend threshold for all 4.
Didn’t dream would ever get 3 chase cards in 1 day!
Side tip. when i called in the Recon. number after entering social it asks for reference when i entered 0 and 0 again [message repeated] and 0 again i was transferred to a card costumer service Rep. but when entered the reference got transferred straight to lending department. Wondering if its always so.
i had the same exp.
Dan, thanks for this great post! I’m 18 and don’t have any CC’s yet. Will they approve me on any of these cards for the first card ever? Or which other card would work for me to get approved and build credit?
Maybe, but you may want to start with one of the cards mentioned here first:
https://www.dansdeals.com/credit-cards/ultimate-beginners-guide-credit-cards-points-2023-start-need-know-best-cards/
I was ready to apply today but the offer on this link says $900 cash not a 90k bonus.
is the offer still going on?
You will get 90,000 points.
The $900 is just one example of what you can (but shouldn’t) do with the points.
You can take that one to the bank 🙂
Approved for both inks. I don’t see the cards in my chase profile. Do you need to create a new business profile to access the cards?
Yes. You can then have your consumer cards merged into that profile.
Thanks. Do you know how I can go about creating a new business profile? Do I need to contact Chase?
You can set it up online with your card.
Hi dan, is also for US citizens living abroad?
I went to apply and it’s showing $750 back…for both ink and ink cash…Did they lower it just now?
Still $900/90K via the links in this post.
They ask for an EIN, employer id number. How can one give them that if one is applying really for personal card under “business”?
You can change that field to SSN
@Dan – do you have a guide of what we can do with UR points? (Finally) Looking to move away from bonvoy cards… travel really only once a year – wondering if I should just get a good cash back card? Your advice is always appreciated
when are the bonus points paid is it when you meet the threshold or when the billing statement closes retro’d back to the date the threshold was met?
Got approved for the Ink Unlimited 3 months ago.
got approved today for the Ink Cash.
Thank you Dan!
Congrats!
What does in-review mean for these cards? I applied for one, instantly got approved. I applied right afterwards for the second and got back that they will review it and let me know.
@dan if you are getting multiple cards for multiple businesses but they all need to be under your name for sole proprietor, how does chase know that it is for a different business, do you put that in the DBA section or something? Or do they just not care and if they don’t approve all you will just explain then?
to clarify I want to know if applying for multiple cards at the same time. How do I apply for 3 cards at the same time under the same SP business name?
dan, can one refer himself to get bonus points?
Only if you have a card shutdown wish.
Also applicable for US citizens living abroad?
As of when has there been approvals despite being 5/24. Was told on Mar 9 reason for decline 5/24. How soon can one apply again?
Got declined for both, called in, 1 card got approved and the other I’ll get an answer in mail.
I went through hell with them, asking me hundreds of questions about my business…
is there a point in HUCA if the reason for decline was over 5/24 (got denied on 3/12)
Personally I would
They approved the cash and still waiting for the unlimited to get approved, what’s a better card? if I get declined for the unlimited should I change from the cash to the unlimited?
Wow!!
Just approved for 2nd ink cash with 4k credit line, for Small consulting as sole proprietorship. This follows Ink Unlimited in 2/23 with 4k Credit line, and 1st Ink Cash in 1/23 with 5k credit line. All with SSN for same Sole Proprietorship with 5k annual revenue. So pretty neat how they approved me for 13k total credit line within 3 months!
Used your link all 3 times. Thanx!!
Congrats and thanks for your support!
I can get the bonus for the chase ink cash card even if I currently have another chase ink cash card?
Yes:
https://www.dansdeals.com/credit-cards/ink-card-faqs-everything-need-know-get-credit-card-deal-year/
Hi- trying to apply for an Ink Card through your link, but it has many more business questions that just solo prop, and SS#. Type of business, NCAIS number, revenue, etc. Please advise!
Thanks Dan I’m 5/24 and was approved for the unlimited
Congrats
Currently have a maxed out credit line on my only chase business card. Will it effect my odds of being approved?
I know it doesn’t show on report. But will chase look at it internally?
Called yesterday for recon and they told me my application is closed and not eligible for reconsideration is this a thing or she just lazy?
HUCA
About 2 months ago I opened two ink cards and my wife opened two ink cards, all went smoothly.
I just got approved for an additional ink card, much to my surprise I see that the bonus I will receive once I spend 6k is only 75,000 bonus rewards, anyone have an idea why this happened???
Different links have different offers. Our links have the 90K offer.
you opened again under same name?
Yup.
Hi Dan if I got the ink cards vs Solo propiretor last year July, can I try to apply again with the same name? Any chance of being shut down by chase for that? Any chance of getting approved again?
Hi Dan, I have an interesting question, I have applied yesterday for the INK, and was declined because I am 5/24, one of the 5 cards was opened March 2021. My question is, if I call them back April 1 and ask them to reconsider will they still see me as 5/24 ?, Secondly, does the bonus go with application date or approval date?
Should be fine, I think. [Based on info i got previously from chase lending Reps
Not working for me or wife
I got a pending on one card but that’s it
Denied for both
Called in & got approved for both.
Thanx Dan
I tried to apply as sole proprietor. Was declined. Says that they will mail letter in 7-10 days to explain. I have a credit score in high 700’s, I have accounts with significant money in checking and brokerage accounts with them and and a few cards with them including Sapphire, and should have perfect payment history. Have not applied for any cards in quite some time. My listed income is not very high but decent. What can I do?
Call them and explain why you need the card.
Not sure who and at what number to call
800-453-9719
Hi dan, Also for US citizens abroad?
If I use ink for a car rental and then use insurance how do I prove that it was business related? Does anyone have experience in this, and been denied?
I applied for a (2nd) Ink Cash in November, Ink unlimited for myself and Cash for DW on 12/31. All 3 got approved after calling recon. What’s the chance of getting approved for another one now? If so, should I try a 3rd Cash for myself or Unlimited for DW?
Update: applied for unlimited for DW and got instant approval!
Is it too risky to apply for a cash too if I got the last one in December?
Hi Dan, I applied for ink business unlimited through someone’s referral and got approved but the sign up offer was saying only $750. The person who sent me the referral had called Chase to see if the deal was still $750 and they said it was and it was just a glitch in the system. Have you heard anything about that?
No glitch. The referral offer is lower than our offer.
Mistake, *if the deal was still $900
It’s still $900/90K points via the link in this post.
Applied today through your links for ink cash and ink unlimited using 2BM. Got pending for both. After 20 minutes got approval for cash, but for unlimited got a phone call from someone from Chase, requesting a lot of info about me and my business. He said they would notify me with a decision. Wait it out, or call Recon now?
https://www.dansdeals.com/credit-cards/ink-card-faqs-everything-need-know-get-credit-card-deal-year/
Is there a minimum credit score required to get approved?
Are there a minimum annual revenue or business expenses for my sole Proprietorship to get approved for the ink cash and ink unlimited?
and what about the ink preferred and premier? A banker told me the preferred and premier require a more solid business income.
No.
No.
I signed up but got a notice that they would get back to me which they never did. I have 800+ credit and a decent income so that should not have been the reason.
Call them.
Hi dan, i applied for the ink cash card and i got approved but i realized that i already have the ink cash card will i get the bonus ??
Yes.
They called me and they want to know about my business what do I tell them?
How do you answer all the other questions about your business?
@dan really appreciate all the info and tips so far me and my got the ink unlimited cards thanks!!!
Congrats!
Chase closed all my CC`s a few years ago. Is it worth trying now?
Can’t hurt.
Yes. It happened to me a number of years ago (I did nothing wrong BTW). I didn’t try for years after a denial or two. In the past year and a half I applied and was approved for 1 card, but denied a couple months ago when they had the last crazy bonus. just last week I applied for the chase ink and got a wait and see notice and B”h was approved!
TLDR, if it’s been a few years, it’s worth a shot
Hi!
thanks for the idea…
I currently have the Reserve card – is it better to apply for the ink or the freedom?
BTW… I wanted to close the reserve for the amex plat but found the PP with restaurants to be better value
Ink
Got approved immediately on line. They gave me a $3,000 credit limit which will complicate spending $6,000 in 3 months. How do I get my credit limit raised?
Have another business card to transfer the line from?
Can I sign up for 3 cards in one shot?
You can certainly try.
I can’t seem to find my question; I know you can sign up for 2 Credit cards at the same time, but would signing up for three at the same time impact my chances of getting approved?
Shouldn’t make a difference.
HI dan, i was declined my application on both ink cards…i didint try again on that day. would you say i should try to apply again and try my luck and get another credit pull or try to talk to them?
Call them.
What’s the number to call? and What info do I need to supply so they can check it?
https://www.dansdeals.com/credit-cards/turn-denial-approval-dont-give-credit-card-application/
I am well over 5/24 I got approved for the Ink cash, Unlimited, and Preferred none were instant approval. I called recon and explained why my business needs multiple cards and each were approved after a day or 2 after secondary review. I only applied for the next card after the first was approved. Thanks Dan! I used your links to be “mehane” a good Yid!
Great job!
Congrats and thanks!
I got approved in January for this offer, any point to try again so close timing? Did anyone do it and got approved?
Which cards did you get then?
Unlimited and Cash
YMMV. Can always try.
Any assumption when is the final day? Will we know b4?
It will end any day now. Probably won’t know beforehand.
what credit score do you need to have to get approved?
Applied for the Chase Ink Cash, got this email:
“We posted a new notice or letter in your Chase Mobile® app and at chase.com/statements.
Here’s what it’s about
We reviewed your application for a new business card account.”
However, there is Notice or Letter on my Online Account, Any Idea?
Thanks
Applied for the Chase Ink Cash, got this email:
“We posted a new notice or letter in your Chase Mobile® app and at chase.com/statements.
Here’s what it’s about
We reviewed your application for a new business card account.”
However, there is NO Notice or Letter on my Online Account, Any Idea?
Thanks
Had the same thing, no idea what it means. Anybody?
There’s its hard to find it
Go to statements, Notices and letters, Notices for you, you med to click on the arrow then it will show up
Hi is this only for businesses or personal credit card as well?
Hi Dan,
What are chances if approved for both ink unlimited and cash 3.5 and 6.5 months ago to get another unlimited?
I did exactly that 🙂
Great! Then I like my chances through reconsideration..
Approved!
Unlimited with 4k limit.
and Cash Pending.
Thank You Dan!
Interesting points may help others.
Newness of business was a problem a few times. May want to put in an earlier date for your hobby/business.
Pay off other chase cards, had a high balance on one and even though I’m under 30% total that one was causing denials. Paid just that one off and suddenly was able to be approved after calling in.
Also usual line is very limited in what they can do and help you with, the chase verification team direct line is much easier and you don’t have to call back for each application. The person that you talk to can immediately see everything and actually work on your application. Number 800-278-8830
One more tip, say a perek of tehillim before you call.
Got denied a few times but now approved.
Thanks again Dan!
Just today I tried, I was refused and on the phone they told me that I have 6/24 and there is nothing to do
What time did you try?
The Recon line closes after 6 ET. The people telling you there is nothing to do can’t actually do anything, you need to ask to speak to reconsideration.
How do you respond to the business questions such as years in business, business income, type of business, etc.?
When is this sign-up bonus ending??
Called recon for my wife and was told she was over 5/24 (7) and had no business banking relationship with Chase. I checked her credit report and saw that four of the seven would be over 24 by the end of this month and on one (Citi) she’s an authorized user (actually on another -Amex- she’s also an authorized user but I believe on Amex that doesn’t matter since an AU is also on the hook for payment) Is calling back and pointing the above out enough – or perhaps waiting another day to add her to the business checking account and then calling a better strategy?
Should I sign in when I apply?
I applied they said it’s under review what l happens next
Wife got approved instantly for both cards..I did applied friday and got “we will review and let you know in 7 days”. Wonder why mine is being reviewed..anyone to speed the review up?
How do you respond to the business questions such as years in business, business income, type of business, etc.?
How many of these cards is too many? I have been approved for three and my wife for one. We each have one Ink card from before. I have two businesses and she has one. Now we have two ink cards each for each business but one of hers was from a while ago. Should I apply for a third card for her business? Will “pigs get fat” or will “hogs get slaughtered”?
What do you write for EIN number if i’m using this card for personal spending?
Etin didn’t work. So I used social security number in drop down
Approved! Thank you Dan!
till when is this offer valid?
When’s the offer ending?
Hi Dan
Both my applications (and one of my wifes) says that they are under review.
Any ideas on how to push it through?
Applied for ink preferred by mistake. Then applied for cash, got approved and unlimited and got under review.
There’s no way I could spend 15k + 6k + 6k. I’d rather keep the two free ones obviously. Is there a way for chase to modify the preferred or should I just cancel? What are my options here?
I just applied for ink cash and ink unlimited for the second time in the last two months under the same social security number just wrote different business types and was B”H approved!!
THANX DAN, I WOULD’VE NEVER DONE IT WITHOUT YOUR CONSTANT GUIDANCE AND SUPPORT!!!
Which whatsapp number to send a screenshot of whatsapp status post (for 1k raffle entry) pls?
(216) 302-4839
Any chance of getting approved a second time under this promo for the same biz, if spending threshold was already met on 2st round of cards?
Yes.
I applied. Says 7-10 business days. I called in they said the department doesn’t open till tom. Should I wait it out or call?
Correct, they are closed now, no point in calling back tonight.
If I open a a card for me and my wife, does that mean the threshold is 24,000 6000 for each card?
I got declined for the first card. What should I do.
I received my points and realized that on the statement, it says the following
“Your account is a business account,
to be used only for business transactions. It is not intended for personal, family or household purposes”
Are we breaking any laws here?
Applied for both:
Application status
In review
Seems they are closed today!
what’s the difference between the ink cash and ink unlimited? one is a debit and one is credit? if so which is which? Thanks so much!
Applied and my application is “in review”. Will I still get the signup bonus if approved after the 19th?
I wrote down a fake name for my business instead of writing my personal name. Is there a way to edit application by calling the consideration line to tell them I made a mistake of which business name ?
Is it possible to get my numbers instantly after approval by adding to your digital wallet like the personal cards? Or any other way? Thanks
Is it possible to obtain your cc number after approval by adding them to your digital wallet the same like the personal cards? Or any other way to get them immediately? Thanks
Hi I applied yesterday for both cards, and still didn’t receive a message from chase weather I was accepted, will I lose out if I get accepted after midnight?
You are locked in at 90k if you get approval anytime.
Is this offer live? Currently says $900 cash back is that a 90,000 point equivalent or not really?
can you do the spending by sending a family member or a friend money on PayPal and take the gamble of paying the 3% fee for the PayPal fee or will chase flag that down
Am I too late?
The link still has the offer as stated above
Last night, after midnight, it wasn’t working, but seems to be working now
Which miles are the best to use to go to Puerto Rico. Cheap wise
Can I sign up for more than one with only one credit check?
i have 4 late payments with a score of around 700. What are my chances?
Can I open another one if I just opened one 4 months ago
Yes, I did and was approved. Many others as well.
Is there expected time it’s going away?
Hi Dan, I got approved for one but then got an “in review” for the second when I applied a couple minutes later. Is it worth doing recon? If so, what’s the best thing to say when they ask why I need both?
Only approved for one, 2nd was sent under review
Declined and can’t reconsider
To all those who were approved for only 1, and 2nd went under review: Same thing happened to me. Called to check status of application, was told it was denied. Called recon and had to HUCA a couple of times, but got second card approved as well.
Got both cards.TY
Dan, which chase card is best to use for amazon purchases?
Does anyone have any idea if this is still available?
cant find link. Is this dead?
Any ideas on how to prove physical address if everything they are requesting has my PO Box on it? This is a real business with an EIN that has been in operation for over 10 years.
I got this message from Chase today. Anyone else get this?
Thank you for applying for a new business card account. We need to verify some information so we can complete your application.
Here’s what we need to continue reviewing your application
Please upload clear, easy-to-read copies of documents for the following:
Proof of legal name and physical address for business
Proof of federal tax id for business
when calling chase reconsideration line is there anything special I should say?
If I already have 2 ink cards with my business and my name on it can I open 2 more with my business and my wife’s name on it and still get the bonus? I want it to be in the business name for reaching spending limits.
Thanks
Hi Dan
What’s your recommendation for a CC with the best airline points. I travel a lot but I’m not loyal to one airline because of ticket pricing. It can be a business or personal CC
Thanks
Is there an expiration for this offer? I have a large expense coming up in December/January that will meet the spending threshold. Otherwise I won’t be able to meet the requirements.
Unknown expiration.
I recently got approved for both of the ink cards with the 90k sign up bonus. Turns out, because I used a referral link I am only eligible for 75k… I was totally unaware of this rule. That’s what they told me on the phone
Any suggestions?
Try secure message
Does anyone have a “script” for this secure message?
Minimum recommend time to apply for a new one? I applied for Ink Unlimited about 30 days ago (approval about 20 days ago).
Also, better bet applying for another Unlimited or a Cash?
I won’t be back under 5/24 until March 1st, but applied and got approved for both Ink Cash & Ink Unlimited for myself today. Tried for the trifecta with Ink Preferred but that one went into review.
I was just approved for the Biz Unlimited card right away (with a credit card) but the Biz Cash card they say they need to review. How do I get that approoved as well?
Call Recon and ask for a manual review on the phone. Tell them you’re willing to move over credit. (888) 270-2127
I have 15 ink cards between my wife and I. In my experience I find they limit you to 4 on each account. (We each have 2 accounts – 1 personal and 1 LLC)
You can even make an Ein number easily on the IRS website as a sole proprietor without any official company so you can use it for another account.
Also, I find that you need to product change your ink to a different one before applying again for that card on the same account. I.e. if you have an unlimited and want another one, switch the unlimited to a cash card, wait 3 days and apply for an unlimited.
got ’em both. That’s at very least $2500 of free travel if not more. Thanks!
Amazing!
Congrats!
I got approved for a PREFERRED on 11/22 and a CASH on 12/7.
should I try for the unlimited or is that too soon?
applied for ink cash and ink unlimated at within same minute. the first one got instant approval, second one instant denial
Is it just me or is devaluation not inevitable with amount of SUBs being paid out?
Dan, are we still able to do multiple cards with one credit pull via multiple browsers?
Yes
Reb Dan – I bought an iPhone 15 Pro Max with Applecare+ using Chase rewards points (with 25% bonus for Business Preferred – was around 110000 points) and I still have around 340000 points remaining. Trying to open some more cards now, but getting ‘in review’ or ‘you have too many cards’. L’chaim!
I would guess this is ending Jan 8. Per a solicitation email from chase:
Apply by January 8, 2024 and earn $900 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening
Bh, I just got approved instantly. Thanks, Dan! 🙂
Approved instantly for ink unlimited after getting ink cash a few months ago. I closed two southwest business cards last week. I find closing out some existing bus cards and only having one othrr one open gets me automatic approval else they will either deny or ask for documentation of actual business.
Is the offer still avai?
Yes!
when does it ends?
Approved with a CL of $3000. My 10th Chase card.
Congrats!
have two currently open ink unlimited cards, can I apply for a 3rd if its been 30 months since the last bonus on one or do i need to close/product change them.
You can. No need to close if you don’t want to.
Approved for both Cash and Unlimited immediately. Truthfully very small business income, decent total income, outstanding credit score. Time to start spending!
Congrats!
Does Foreign Transactions fee apply when charged in US Dollars but done outside of the US?
No.
just be careful with that option. Often you’re better off paying the foreign transaction fee than eating the terrible exchange rate they give you.
I have 1cash and 1 unlimited and my wife same. I called the reconsideration line after getting denied and was told I am still on 5/24 until April. Any way to get around that?
I’m heading your advice and after applying for a INK unlimited in my business name, I’m trying to apply for the Business cash on my personal name. I wrote sole proprietorship but what do I do with Business name and EIN?
Change EIN to SSN and use your legal name as the business name.
“Improve your redemption value to 2 cents each”
Dan, how do you do this?
Transferring to airline or hotel points when there’s a good value.
looks like Chase just ended the extra bonus
Still works via the link in the post.
Hi I applied and was denied because of 5/24 I called them and still nothing doing
I can confirm that approval standards appear to have been lowered. All of my Chase approvals have only come after an initial “we’re thinking about your application” warning and then calling in. For the Business Unlimited I got an instant approval.
Congrats!
I called reconsideration and was connected to a specialist. They were asking me what my business is for and why I’m applying for another card. Whats this about?
can i apply for another ink cash if i just got approved for the unlimited and already have the preferred? if yes under the same business name which is my name?
Yes. Yes.
Not under a different a business name correct?
Thanks Dan just got approved for my 2nd ink cash!
I currently have an ink card that is maxed out (79k used on an 80k line), waiting until end of march to pay as its 0% apr currently. Will carrying such a large balance on an existing card cause me to get declined? I do pay the minimum payment on time each month, credit score 760+
Try and let us know 🙂
If I opened an ink cash in March.
Closed it in November, can I reapply and get 0% apr for 12 months?
Yes
My wife just got this one one of her applications (other got approved). She applied as Sole Proprietorship under her SSN. We don’t have any utility bills under her name. Any advice how to go about it?
“Proof of physical address and federal tax id for business”
One of my wife’s applications came back with this:
“Please upload clear, easy-to-read copies of documents for the following:
Proof of physical address and federal tax id for business”
This was done as a sole proprietorship. She doesn’t have any utility bills under her name. Am I SOL or is there something that can be sent in to get it approved?
Switch a utility bill to her name and send it in when it comes?
I had the same thing and they told me to send in an ID with the address on it like a driver license.
Applied for the Business Unlimited as a sole proprietorship with my SSN. They are requesting proof of federal tax id for business. What do I provide them with?
I would call and explain there is no federal tax I’d as it’s a sole proprietorship
Send copy of SSN card
is there any type of credit report that gets pulled when u apply for a business cc that will show debt from anouther business cc even though its not reported on ur personal credit report?
Not that anyone is aware of, although obviously if the business card is with the same bank as the card you would like to apply to, the same bank knows what credit they have given you.
Tried applying for the ink cash earlier and was told that I was declined and to wait 7-10 days. I called into recon and they said I was at 5/24 and there’s nothing that they can do. Is there anything else I can do at this point?
My application for ink business cash was declined due to the 5/24 rule. I called chase twice to ask for reconsideration and two different representatives say that business card are included in the 5/24 and there’s no such thing called 5/24 waiver!
My credit score went down because of your advice!!!!
I was dedclined at first for 5/24. Called back and explained that not all my 5/24 cards are my financial responsibilities, as I’m the added user to my wifes cards. And they approved me. Don’t give up, call back and give a valid excuse why your 5/24 shouldn’t be enforced and they may waive it. You can also always ask for a manager..
I have a chase business preferred (with annual fee) card that I want to close and open one of the no fees. Should I close it before applying, or apply and then close?
Apply and then change from preferred to whatever no annual fee ink card of your choosing
Is the offer for the Preferred also ending as of 1/18?
For dolphins chiefs game on peacock. Reserve card gets Instacart for a year. Instacart gets peacock…
I’ve just been approved the second time in 3 months for both of the ink cards, surprisingly after getting approved I saw that my purchase APR is 18.49% not 0
Anything to do?
Did you open the cash and unlimited? Or is it the preffered?
When you say apply for myself and my wife, do you mean 2 separate applications (1 for me and 1 for my wife; each having the other as an additional cardholder) or one application per card with 2 cards (me and my wife) per?
Option #2
Hi Dan I applied for the ink card and after I submitted the application, it said they will notify by mail if I was approved. What does that mean.
I got instantly rejected with a message I will get a letter in seven to ten days explaining the reason. I just got it and it says it’s because not enough accounts opened long enough to establish a credit history. My oldest card is about nine months a discover.
Anything I can do?
I got approved for a PREFERRED on 11/22 and a CASH on 12/7.
Any opinions if I should go for the unlimited now?
Is it better to set a completely new Ink Card once you hit the 6K spend or to add a spouse as an authorized user on the existing card?
A new card if you want more points 🙂
I thought an authorized user could get a separate card and also spend 6K and get another bonus for the account?
Definitely not the case. Only get bonuses on brand new cards.
I live in Israel but I have American credit card in the present. Does the credit card recognizes the charges done outside U.S. like Israel in order to get the points?
Can I apply for for the same cards for 2 different businesss, and receive the bonus on the same card twice?
I just applied for the Ink Cash and Ink Unlimited at the same time, the Ink Cash was approved immediately and the Ink Unlimited was put under review.
can I be eligible for these cards if I don’t have any credit score, I dont have any previous credit cards
I applied for both these cards a year ago when you first posted this for both me and my wife and was approved for all four cards.
Am I able to apply for them again now and get the sign up bonus a second time? Anything I should do first?
Yes.
Nope!
I applied and was approved but saw after that it was only for 75k point not 90k. ANything to do?
Use our link next time?
How can you open multiple cards of the same one like ink business cash?
Is the 5/24 waiver also for the ‘Chase Ink Business Preferred Card’?
Dead
Links in this post still work.
If I already have an ink buisness unlimited can I get a ssecon one?
Yes, I have 9.
Two questions 1) does purchase of a cruisefirst certificate with NCL (you pay them $250 now, they give you $500 to use for a future cruise anytime in the future) count as a travel
expense 2) how do you get around cc application denials saying you already have too much credit you are not using, so they wont approve appl to give you more credit (I have way fewer cards than most people here)
Call and transfer max credit from other credit cards
Hi Dan I don’t have a good credit score I have a new bussnies name llc will I get approved if I apply true my business llc
I applied for the ink cash & unlimited card, using 2 tabs on Google Chrome right after the other. I got approved for the unlimited a couple of hours later, but did not get answer about the Cash card. I tried calling the number to hear the status of the application, but it said that there’s no pending application for the last 30 days! What could this mean?
Has anyone had any luck getting a second identical ink card within 60 days or so of receiving the first one and hitting the bonus? With closing out the first one with a zero balance help get a second one? I already received an ink cash and unlimited in December and wanted a second cash or unlimited and happy to close out one
Dan, I was approved for both cards, thank you for posting this deal
After calling to have application reviewed, was told my application needed to go for secondary review. Any ideas if calling again is helpful/ good idea? Applied as sole proprietor with no good tax returns or documents if that’s needed
If I have those 2 cards already. I can still reapply to get the same cards?
Yes
Have 2 Ink Cash cards already, but figured another one wouldn’t hurt, and got approved by using my own info this time.
Seems like the Ink Cash card, with the 5% back, is the better option, and once I get the card, I’ll just have to wait for Staples to offer the $200 Visa cards without any fees, and stock up on those a few times.
Thanks as usual Dan, maybe I’ll also win the giveaway! 🙂
Congrats!
Go for an Ink Unlimited as well. 😀
Have a Freedom Unlimited I’ve had for years, and just ordered another one under my wife’s info to take advantage of the new offer, but I really don’t plan to spend 12k in 3 months and won’t really gain from the Ink Unlimited over the Freedom Unlimited cards I already have, even spending 6k is pushing it, though with the gift cards, at least I can make it work – guess you’ll have to make due with just this referral (and the Freedom Unlimited)… 🙂
Where you going to spend those visa cards?
Thanks for the push
Squeezed in another one last night
that brings me to 4 of each
happy swiping everyone
Did you get 4 of each in one day? HOw?
How can I apply for myself and my spouse at the same time?
I really didn’t understand how it worked
I live in the UK is this relevant
Denied due to overdraft history on chase checking account. Anything to do?
How many chase ink bonuses can I get in a year? Unlimited?
Hi Dan or anyone that knows .
Chase wanted me to send a utility bill and I don’t have on my name (it’s on my spouses name) what could I do ?
skip it, i worked for me
Dan, If I reached my Credit Exposure for my business can I apply for my wife under the same business and get approved ?
The card offers car rental insurance for business usage, does it work for personal rental too?
@dan if I don’t have my own business am I eligible.
And will I have any issues with IRS earning the points?
Chase offers on my Ink: * $35 or $25 Max Statement Credit: To be eligible for this bonus offer, you must activate by 6/30/24 11:59 PM ET. and make qualifying Max purchases of at least $99 with your eligible card through 9/30/24. Cards eligible for the $35 statement credit are: Chase Sapphire Reserve Card and J.P. Morgan Reserve Card. Cards eligible for the $25 statement credit are all Chase credit cards except: Chase Sapphire Reserve Card, J.P. Morgan Reserve Card, Chase Slate Card, Amazon Visa, Amazon Prime, Amazon Business Rewards Visa Card, Amazon Business Rewards Visa Signature Card, Disney® Premier Visa® Card, Disney® Visa® Card, and Ink Capital Business Credit Card. Qualifying Max purchases include only those Max subscriptions and add-on plans purchased by you, or an authorized user, directly with Max at Max.com(Opens Overlay).
I applied today and my application is “under review”
If it takes time to approve me, will I still be eligible for the 90k bonus since I applied before the deadline? Or will it go according to my approval date?
Based on application
Applied was under review for forever declined with a megillah of reasons one of them being 5/24 closed a ink premier (which is not available for downgrades or credit line transfers so only worth it for the first year unless you are doing a lot of charges over $5000). Called reconsideration told them that one of my 5/24 was really an authorized user and that I closed the premier and they approved me.
Can someone explain to me as a newbie how 1.5 points is better than a straight 2% cash back? Is it just all in the bonus? Of so, once you earn the bonus, do you shut down the card? Thanks!
Hi Dan, I just tried to apply for both Ink cards (8:30PM Eastern) and was denied. I called Chase Reconsideration, but their office is now closed. Any suggestions?
You have up to 30 days for chase t9 reconsider and they won’t pull your credit again. Call during normal business hours. HUCA until approved. A yid never gives up! Hatzlacha!
Is this card good if I use it alot for gas?
Applied for ink cash was put in review. Should I call reconsideration line? What is number?
Was approved for another biz card few months ago with a high limit
If this is a business card and you use it for personal expenses isn’t that a problem?
When clicking on your link the offer says $900 cash back not 90,000 points. Is that a different offer, or the same one? How do I get the 90,000 points offer?
Can you make your 90,000 points into 1,980 if your spouse also signs up for an ink unlimited card?
I’m wondering with it being 30days since my last Ink card was approved is it a better approval chance to wait till 60 days. I can accept that the bonus will be 75k instead of 90k. I just want an approval without having to get grilled in a reconsideration call.P
Do both you and your spouse need to meet the minimum or does it pay for one spouse to meet the minimum?
Need to spend 6K on each card
Your spouse may sign up and get bonus if also spend 6K
‘In review’
…Sigh…
I only see cashback SUB of $900, where’s the 90K points?
It’s $900 in the form of 90K points.
Just applied for both the ink cash and unlimited about an hour apart. Got only one credit pull, both went into review. The cash got approved a few hours later, unlimited still in review.
BH was just approved instantly for both! But why does it show on the unlimited 18.49%, & on the Cash 22.49% APR ?
Hi i didnt understand how you Improve your “redemption value to 2 cents each” the points are worth through a safire reserve 1.5 no?
Ugh – denied – even though at 4/24 and 800ish credit score – can i recon without calling? Was for wife and she hates doing that.
1/4 thanks Dan. Applied for both for me and my wife. Business under sole proprietor (eBay/Amazon store) low revenue. Both of mine under review and wife got ink vash insta approval and then applied for unlimited and under review. Going to wait for decision before calling reconsideration.
I got approved few days ago but denied yesterday, maybe because 5\24
Any advice? Or maybe I should change something in my application?
I applied for 2 and got them both last night. What about the statement that you can’t use this for personal or household charges? How do you explain the charges if questioned?
If you are applying with your name as the business, then everything would be a business expense.
Either way, it’s not something anyone is going to question.
DO I NEED A CHASE BANK ACCOUNT FOR THIS
No, though having one can help with approval odds.
I applied yesterday and my application is pending, do I call the reconsideration line today (if the higher approval ends today) or do I wait for the system to process the application and hope it gets automatically approved?
Are you over or under 5/24?
Not sure, I think I’m 3/24 (running into issues checking on the website you provide) as most of the cards I got recently were business cards as I got about 5 ink cards in the past year or so and last time I applied about 3 months ago for two cards and initially denied due to duplicate application but I was able to get one approved with shifting credit lines the other was denied and recon was very firm saying I had too many recent chase cards with low utilization.
In that case I’d call reconsideration. You can ask for a manager to see if they can approve on the spot.
Called them and they told me the application is declined due to too many recent Chase cards opened, low credit utilization and even after offering the shift around credit lines, they told me there was nothing they can do so I asked for a manager, but was told that they were closed for the day and they put in a callback request for tomorrow.
Assuming even the manager won’t be able to help me unless I’m mistaken? However, for future references if I’m denied even when the system is allowing way more approvals, how would I increase my chances to get approved? I tried following the advice of having a Chase bank account (both personal and business) and having good credit the only thing I can think of that I did not do was utilizing the Chase cards I already own as for the most part once I hit the signing bonus I stopped using it, does spending on it even if it’s a relatively small amount actually make a difference?
Also, is it normal for the reconsideration department to pull my credit again resulting in two hard pulls for the application?
@dan even though I was declined I just wanted to say thank you and that I appreciate all your posts, especially for us newbies:)
Well that’s a lot of cards for one year and a recent one so kind of makes sense.
Reconsideration won’t pull your credit again.
approved via your link. thanks!
Congrats and thank you!