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.
The offer ends 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!
With increased approval odds and highest ever signup bonus, now is the best time ever to apply for a Ink Business Preferred® Credit Card!
This card pairs incredibly well with the other two Ultimate Rewards Cards from the Chase Ink Family:
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
You can read our FAQ on Ink cards here for more info on the Ink Cards.
Update: As often seems to happen with new and expiring Chase card offers, readers (1, 2, 3, 4, 5, 6, 7, 8, 9, 10) are reporting increased approval odds, even when recently rejected and/or over 5/24. While 5/24 rejections are typically an instant denial, these seem to be going into a pending state and then are being approved by the system without calling in for a manual reconsideration.
With increased approval odds and highest ever signup bonus, now is the best time ever to apply for a Ink Business Preferred® Credit Card!
Post your application results in the comments below!
Ink Business Preferred® Credit Card
Table of Contents
Signup bonus:
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, 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.
Annual fee:
There is a $95 annual fee for the primary card and no annual fee for additional cardholders.
How to apply, Business card and 5/24 info:
This is a business card, 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 then switch the Tax Identification field from Employer Identification number to social security number and use your personal social security number.
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.
Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy for the past year and the only way to know if you can get approved is by trying to apply.
However, a pattern has developed where Chase often waives 5/24 rules when they launch a new offer like this, so it can be worth trying, even if you are over 5/24. If you try, be sure to leave a comment with the results!
Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.
You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.
It’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.
Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.
Card earnings:
- 3 points per dollar on travel, including airfare, hotels, car rentals, cruises, subways, trains, taxis, tolls, parking, Airbnb, Uber, etc.
- 3 points per dollar on internet, cable, and phone services. This includes streaming services like Netflix and more.
- 3 points per dollar on shipping purchases.
- 3 points per dollar on search engine and social media advertising.
- Max of $150,000 of annual spending in 3x bonus categories.
- 5 points per dollar on Lyft through 3/31/25.
- 1 point per dollar elsewhere.
- There are no foreign transaction fees.
Spend Threshold:
You’ll need to spend $8,000 on this card within 3 months.
You can pay your federal taxes for a 1.82% fee.
My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.
Cell Phone Protection:
If you pay your cell phone bill on the card you cell phone will be insured from damage, theft, or involuntary and accidental parting until the end of the calendar month following the payment.
This benefit covers claims up to $1,000 and there is a $100 deductible for claims. You do not need to pay for the phone on this card to file a claim.
You can file up to 3 claims per 12 month period.
This card offers triple points for cell phone bills, making it a good value for your monthly bill thanks to the insurance.
Other card benefits:
- Primary rental car CDW insurance in every country, when the rental is for business purposes.
- Primary rental car CDW insurance in every country outside of the US, when the rental is for personal purposes. Rentals without a business purpose in the US have secondary coverage.
- Extended warranty adds a year of coverage, up to $10,000 per claim.
- Purchase protection for items damaged or stolen within 120 days, up to $10,000 per claim.
- Trip Delay Reimbursement covers $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours.
- Trip Cancellation/Trip Interruption Insurance covers $5,000 per trip or $10,000 per trip with multiple travelers.
- Travel Accident Insurance covers $500,000 per person.
- Lost Luggage Insurance covers $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics)
- Baggage Delay Reimbursement covers $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours.
Increased points value:
If you or someone in your household has an Ink Preferred Card you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.
If you or someone in your household has a Sapphire Reserve you can get a value of 1.5 cents per point towards paid travel. That makes the signup bonus worth at least $1,800 towards travel.
Airline and hotel points transferability:
If you or someone in your household has an Ink Preferred Card you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.
Product change options:
You can call Chase to convert between an Ink Preferred Card to either of the following cards:
- Ink Cash Card ($0 annual fee)
- Ink Unlimited Card ($0 annual fee)
Note that some reps will only allow card conversions after you have had the card for 12 months.
Those cards also have strong benefits.
The Ink Unlimited Card earns 75K points, which is advertised as $750 cash back, after spending $6,000 in the first 3 months, plus 1.5 points per dollar everywhere.
The Ink Cash Card earns $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. Earn 5 points per dollar on $25K/year in annual cable, internet, phone, and office supply purchases, plus 2 points per dollar on $25K in annual dining and gas purchases. Plus, if you open an Ink Cash card with this offer link between 3/17-11/17 and have a Chase business checking account on your first card anniversary date next year, you earn a one-time 10% bonus of all eligible cash back earned from spending in your first year! That means if you earn $2,500 in cash back (in the form of 250,000 points), you’ll get a $250 bonus (in the form of 25,000 points)!
However those no annual fee cards can’t transfer points into airline miles or hotel points without a Chase Ultimate Rewards card that has an annual fee. Plus they don’t get a bonus for travel redemptions.
Ultimate Comparison Chart Of Chase Ultimate Rewards Cards
| Freedom Flex | Chase Freedom Unlimited® | Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Ink Business Cash® Credit Card | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card | |
|---|---|---|---|---|---|---|---|
| Signup bonus | 20K points for spending $500 in 3 months | 1.5 bonus Chase Ultimate Rewards points per dollar within 12 months on up to $20K of spending. | 60K points for spending $4,000 in 3 months | 60K points for spending $4,000 in 3 months | Earn 35K points when you spend $3,000 on purchases in first 3 months, and an additional 40K points when you spend $6,000 on purchases in the first 6 months | 75K points for spending $6,000 in 3 months. | 90K points for spending $8,000 in 3 months. |
| Annual Fee | $0 | $0 | $95 | $550 | $0 | $0 | $95 |
| Additional Cardholder Fee | $0 | $0 | $0 | $75 | $0 | $0 | $0 |
| Allows you to transfer Chase points from any card to airline miles | No | No | Yes | Yes | No | No | Yes |
| Annual Travel Credit (Airfare, hotels, car rentals, Uber, etc) | $0 | $0 | $0 | $300 | $0 | $0 | $0 |
| Annual Hotel Credit booked through Chase Travel | $0 | $0 | $50 | $0 | $0 | $0 | $0 |
| 10% Anniversary points bonus | No | No | Yes | No | No | No | No |
| $100 Global Entry/Pre-Check Fee Refund | None | None | None | Once every 4 years for Primary cardholder | None | None | None |
| Doordash Credit | None | None | $10 non-restaurant credit | $5 monthly restaurant credit, $10 non-restaurant credit, valid twice per month | None | None | None |
| Doordash Dashpass Membership | 3 free months | 3 free months | Free through 12/31/27 | Free through 12/31/27 | None | None | None |
| Priority Pass membership | None | None | None | Primary and secondary cardholders can bring 2 guests into a lounge | None | None | None |
| Value of points towards paid airfare, hotels, car rentals, cruises, and activities | 1 cent | 1 cent | 1.25 cents | 1.5 cents | 1 cent | 1 cent | 1.25 cents |
| Chase Pay Yourself Back | None | None | None | Redeem points at a value of 1.25 cents on rotating categories | None | None | None |
| Points earned on everyday spending | 1 per dollar | 1.5 per dollar | 1.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on travel (Airfare, hotels, car rentals, Uber, etc) | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 2.1 per dollar | 3 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on air travel booked via Chase Travel | 5 per dollar | 5 per dollar | 5.1 per dollar | 5 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on non-air travel booked via Chase Travel | 5 per dollar | 5 per dollar | 5.1 per dollar | 10 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on dining | 3 per dollar | 3 per dollar | 3.1 per dollar | 3 per dollar | 2 per dollar ($25K cap on 2x categories) | 1.5 per dollar | 1 per dollar |
| Points earned on streaming | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 3.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on online grocery | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 3.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on advertising with social media sites and search engines | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on shipping | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on internet, cable and phone services | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 5 per dollar ($25K cap on 5x categories) | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on office supply spending | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 5 per dollar ($25K cap on 5x categories) | 1.5 per dollar | 1 per dollar |
| Points earned on drugstores | 3 per dollar | 3 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on $250+ Peloton purchases | 1 per dollar | 1.5 per dollar | 5 per dollar through 3/31/25 | 10 per dollar through 3/31/25 | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on Lyft purchases | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 10 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 |
| Points earned on gas stations | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 1 per dollar | 1 per dollar | 2 per dollar ($25K cap on 2x categories) | 1.5 per dollar | 1 per dollar |
| Points earned on rotating quarterly categories | 5 per dollar ($1,500 quarterly cap) | N/A | N/A | N/A | N/A | N/A | N/A |
| Intro APR | 0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 17.99%-25.99% variable APR. | 0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 17.99%-25.99% variable APR. | No | No | 0% intro APR on purchases within 12 months of account opening, with no negative effect on personal credit. After that, 17.99%-25.99% variable APR. | 0% intro APR on purchases within 12 months of account opening, with no negative effect on personal credit. After that, 17.99%-25.99% variable APR. | No |
| Foreign transaction fee | 3% | 3% | 0% | 0% | 3% | 3% | 0% |
| Cell Phone Damage and Theft Protection | $800 of coverage with a $50 deductible. | None | None | None | None | None | $600 of coverage with a $100 deductible. |
| US Car Rental CDW Coverage | Secondary | Secondary | Primary | Primary | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons |
| Worldwide Car Rental CDW Coverage | Primary | Primary | Primary | Primary | Primary | Primary | Primary |
| Roadside Assistance | Available for a $59.95 charge | Available for a $59.95 charge | Available for a $59.95 charge | Free battery boost, flat tire service, 2 gallons of fuel delivery, towing, or lockout assistance | Available for a $59.95 charge | Available for a $59.95 charge | Available for a $59.95 charge |
| Purchase Protection for items damaged or stolen within 120 days | $500 per item | $500 per item | $500 per item | $10,000 per item | $10,000 per item | $10,000 per item | $10,000 per item |
| Extended Warranty Protection | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 |
| Trip Cancellation/Trip Interruption Insurance | $1,500 per person, up to $6,000 per trip with multiple travelers | $1,500 per person, up to $6,000 per trip with multiple travelers | $10,000 per trip or $20,000 per trip with multiple travelers | $10,000 per trip or $20,000 per trip with multiple travelers | None | None | $5,000 per trip or $10,000 per trip with multiple travelers |
| Return Protection | None | None | None | $500/item up to $1,000/year | None | None | None |
| Trip Delay Reimbursement | None | None | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours. | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 6 hours. | None | None | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours. |
| Lost Luggage Insurance | None | None | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) |
| Baggage Delay Reimbursement | None | None | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. |
| Travel Accident Insurance | None | None | $500,000 per person | $1,000,000 per person | $500,000 per person | $500,000 per person | $500,000 per person |
| Visa Savings Edge Rebates | No | No | No | No | Yes | Yes | Yes |
| Emergency Evacuation and Transportation due to injury or illness on a trip | None | None | None | $100,000 for trips between 5-60 days, more than 100 miles from your home | None | None | None |
| Repatriation of Remains Insurance | None | None | None | $1,000 for a coffin and to return your body to your home country if you die on a vacation | None | None | None |
| Emergency Medical and Dental Benefit | None | None | None | $2,500 for medical expenses on trips between 5-60 days, more than 100 miles from your home | None | None | None |
| Subject to 5/24 rules | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Adds to 5/24 count | Yes | Yes | Yes | Yes | No | No | No |
| Download Guide of Benefits | Freedom Flex Link | Link | Link | Link | Link | Link | Link |
Killer Combos:
Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.
This list will be customized for the Ink Preferred Card.
A Chase Bifecta can consist of a household that has the Ink Preferred Card and the Ink Unlimited or Chase Freedom Unlimited®. The total effective annual fees would be either $95. With the Ink Preferred Card you would earn 3 points per dollar on travel, internet, cable, phone, shipping, and more. With an Unlimited card you would earn 1.5 points per dollar everywhere. Either way you’ll be able to transfer all of your points into airline miles or hotel points, but with the Ink Preferred Card you can also use the points with a value of 1.25 cents each towards travel.
A Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom into the mix, so your total effective annual fee will still be just $95. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 3 points per dollar that the Ink Preferred Card offers and the 1.5 points per dollar everywhere else with an Ink Unlimited or Freedom Unlimited card.
Having all 3 Chase Ink cards means you can take advantage of bonus points on all purchases that you make while not having any effect on your personal credit.
A Chase Quadfecta would add both the Ink Cash and Chase Freedom on top of a Ink Preferred and Ink Unlimited card, so your total effective annual fee will still be just $95.
A Chase Quinfecta would add either the Chase Sapphire Preferred® Card or Chase Sapphire Reserve to that mix, adding $95 or $250 to the additional effective annual fee after the $300 Sapphire Reserve travel credit. This will add either double or triple points on dining, plus with Sapphire Reserve would make your points worth at least 1.5 cents each.
Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!
Airline transfer partners:
You can transfer points at a 1:1 ratio to:
- United (Star Alliance)
- Air Canada Aeroplan (Star Alliance)
- Singapore (Star Alliance)
- Air France/KLM Flying Blue (Skyteam)
- Virgin Atlantic (Skyteam)
- British Airways (OneWorld)
- Aer Lingus (OneWorld)
- Iberia (OneWorld)
- Qatar (OneWorld, via British Airways)
- Emirates
- JetBlue
- Southwest
Hotel transfer partners:
You can transfer points at a 1:1 ratio to:
- Hyatt
- IHG
- Marriott
You can also transfer points to Hilton at a 1:1.5 ratio via Virgin Atlantic.
The great thing about Chase Ultimate Rewards is how versatile and valuable they are:
The Ink Preferred Card and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.
The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.
The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points. They can easily be worth 2 cents each or much more than that!
- If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
- If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
- Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
- If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point
- Flying Blue has award flights to Israel for 25K miles for adults or 18,750 miles for kids.
- If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 145K or 160K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
- If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
- And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.
Will you signup for the Ink Preferred Card?
Leave a Reply
518 Comments On "HOT! Best Ever Offer! Earn 120,000 Ultimate Rewards Points, Good For At Least $1,500 Of Travel Or $1,200 Cash On The Chase Ink Business Preferred® Credit Card!"
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Will chase match if applied but it’s been over 6 months ago?
No
I signed up for this before this offer came out. Is there any way to get Chase to honor this one?
Send a secure message in your account and ask.
I called chase and they put a note on the account and i have to call back after i spend and they will give me the 120,000 points
Which number did you call?
is there any way to use these cards before they arrive?
No
Some websites allow you to link the bank I noticed amazon has that option (just not with chase) I assume that would work?
I believe that you may be able to – once the card shows up in your chase app, you can add it to your apple pay – also via the app – and spend with Apple pay. Not 100% sure though
Not with chase business cards
211
U can ask for expedited shipping
Call 8009452028 and request them to expedite, card arrives within 2 days
If Chase closed my account over a year ago due to points transfer violation, do I have a chance with applying now?
No way to know without trying.
Let us know
What is the nature of the ‘points transfer violation’? Thats a new one for me
If my business already has this card (can’t remember from when), can I apply again and get the bonus again?
Yes, there’s no limits on Ink cards!
But you can only get the bonus every two years right?
Nope no limits enforced on Ink cards.
What info I need to change on the application to get approved for a second bank card?
For some reason, I’m not successful getting approved for the second time around
I got this card about a month ago with 100k offer would chase match the current offer?
Send a secure message in your account and ask.
I just got this card with the 100k offer, will they match it? Spend is already done.
Send a secure message in your account and ask.
Update?
Worked for me
My application is under review. Is there a way to push it through?
800-453-9719
Mine is also ״under review” and email stated “we need additional information:
1)Proof of legal name and physical address for business
2) Proof of federal tax id for business
How do I satisfy the second of these two requests if I used my SS #?
Did you apply with your name as the business name?
I got an Ink Unlimited card about half year ago. Do I likely get this card approved? Should I apply for this card under a different business? Thanks.
Sure.
Same business is fine.
Just confirm.
I already have an open Ink Unlimited CC that I use every month under my business. I am still able to apply again for the same CC under the same business for this bonus? What happens to the old Ink Unlimited if its still currently in use?
Sorry not Ink Unlimited, I meant the Ink Preferred
how long is the offer around for? I’m currently working on the spend of a different ink card 🙂
Unknown
Dan, do you expect this 120k points offer to be around for the remainder of August 2024? Or any specific length of time
I recently moved from NY to Fl.
I noticed it’s been getting harder for me to get approved for chase cards bc of that.
Is it always harder for people who move and write down a new address? How do make it so that my new address is recognized without going through the hassle of dealing with them?
Open a Chase consumer and/or business checking account there.
Are there any promos for opening an account going on? I plan on going back to Florida again in a month. I can do it then.
Is there a number i can call to speed up the in-review process?
800-453-9719
I had applied for this card a few hours ago and got approved for it with a 100,000 offer, any way to get it changed to this offer
As per some data points the last few days, chase will match the sign up bonus.
Can I apply for 2 in one day (using your link ofc) and A. get the 2 bonuses? and B. only have one credit pull?
Yes.
Typically, yes.
Thx!
Should I use 2 different devices / browsers and apply at the exact same time? Or no need?
Is there any risk of being blacklisted by using this tactic?
No need.
2 is fine. Good luck!
2 of the same cards, for the same business? And I can get the bonus twice??
That’s wild!
Have you ever seen more than two approvals in one day?
I called chase and they put a note on the account and i have to call back after i spend and they will give me the 120,000 points
Nice!
Hi Dan, first of all thx for all the great posts,
I recently got approved for the Amex biz platinum and the city biz aa cards approximately a month ago and a chase biz preferred 6 months ago i am still under 5/24 do you think it’s worth applying yet or waiting a little?
Sure, you can apply now.
Can points be transferred to a family member account?
Yes.
Living the same address.
Does the $95 fee apply immediately for the first year?
Immediately. Cash out 9.5K points if you want to cover the fee.
Takes a few days
Is the yearly annual fee of 95$ right away
– or after the first uear
Look up one comment.
Already have 3 chase personal Credit Cards.. My score is about a 640 (working on this). I do have a business account with Chase too. Question is can I apply for just the business without my personal social?
You can’t.
Techloq is blocking your link…
Taht has bean a issue forever.
Ask them to unblock it?
Got 1 few months ago using my name as my business name. Can I do that again or need to apply with new business name? Nervous to do that bec don’t want them to ask for business paperwork. Also any idea when 120k offer is ending?
You can have multiple of the same Ink card for the same or different businesses.
Unknown.
There is no foreign transaction fee on the Chase ink preferred not sure why you wrote there’s a 3% fee
Where do you see that?
Is it possible to get the card plus its bonus and then after a year downgrade it to a no-annual fee card? Or is chase strict with downgrades.
You can.
I have no chase cards at the moment, what chase card is best first to apply for?
https://www.dansdeals.com/credit-cards/chase-cards/signup-chase-freedom-unlimited-earn-3-6-5-points-per-dollar-year-20k-spending/
Would balance transfers work to qualify for the 8k in spending?
No
Do you expect a 5/24 relaxation at some point of this offer.
Previously on the ink cards there was a point in the midst of the over that 524 and approves were extremely relaxed
Often that happens when these offers come out. But we need people to try and report their data points!
Where can I get my application reference number to call for my application status?
Just speak to an agent who can look it up.
I don’t see any way for my wife to transfer her freedom points to travel partners online just because i have the preferred. How could she do this? Does she have to call?
She has to give her points to you, then you can transfer them.
You need to call chase for the first time
That’s true. But should she want to transfer it to her hyyat account let’s say she won’t be able to. Unless she’s added as an AU on the other account and do all transfers from other account.
Just had that issue with a relative. We wanted to book with hyatt and transfer from the wife’s account to hyatt, but we realized she downgraded the CSP card to a freedom leaving her with no cards to transfer to travel partners. Though her husband has the CSR which doesn’t help because you need to pay $75 for the option to add an AU. And didn’t want to be busy adding and removing AU just to make the transfer and then removing. Don’t think there was another way to transfer the points to her hyatt account being that she doesn’t hold any paid cc accounts.
You can transfer Hyatt points between members.
That’s true. But not instant. Can take a few days if you have a Hyatt concierge. Otherwise more like a few weeks. And wanted the booking for the next day, as well I had a GOH that I wanted to use that was in the wife’s account.
Unless I called Hyatt to see if they can transfer that GOH to another account after already being transfered.
My brother has the chase sapphire reserve and I have the preferred. He lives in a different state. Is there a way for me to transfer my ultimate point to his card to get more value for my points?
Usually if you have the same last name it’ll work. Either way it can’t hurt to call and try.
If all else fails become an authorized user
If I become an authorized user, I am able to transfer the points even though we arent in the same “household”?
Could I use this card for personal expenses?
Hi, Does this card offer 0% Apr for first year or so? Also if Additional user on the same card opened like 15 months Will they qualify for the offer by opening a new card?
Thank you,
No.
Yes.
I’ve had the card for almost a year and the renewal annual fee is coming up; can I downgrade now to a no annual fee card, or do i need to wait the full 12 months to be hit with the annual fee again first?
Why would you downgrade now?
Probably because he doesn’t want to pay 95$?
Lyft tells me I am getting 5x points per dollar when using my Ink Preferred card. I’, not sure if there was some kind of sign up promotion, though.
It’s one of the benefits on the card:
5X Points on Lyft Rides through 03/2025
Here’s a DP for y’all, I was at 7/24 (although I believe some of those are authorized users which I was prepared to bring up) and applied just now for this new offer. Initially got a in review response, but less than 10 minutes later got an email saying Congratulations youre approved….
Awesome, let’s get some more DPs folks!
I got an in review status yesterday and still didn’t hear back.
I will probably be denied.
What’s your 5/24 count?
Way above. And I just got two new inks within the last month so no surprises.
Definitely way above 5/24 and have 4 ink cards already. (All side hustle by the way). Got a review message and then approved.
Congrats!
Hi Dan, do you know if commercial freight payments (LTL, ocean import/export) would apply as shipping?
should depend on how they code?
Hi Dan
If i already have an ink prefered for over a year, will they allow me to apply for a second one?
THANKS!
Yes
Can i get another one with my name ? Using the same sole proprietorship ?
Read above. The answer was yes.
Approval on the spot, 25k limit as a sole proprietorship with my name. Thanks
I was 5/24 and just got approved as sole proprietorship
If you’re 21+ w/ no income, parents paying all your expenses, can parent’s income count as your own income for the credit card sign-up, or only part of their income that’s available for your expenses?
I asked them for a match for a card opened in May, they refused.
Very Similar. They matched it for one where I had met the minimum spend but the points had not yet been applies but rejected it for the one I had opened in March. Anyone had any luck with a 6 month window claim?
I was previously shut down by Chase multiple times and was just approved. Do I have a better chance of them keeping me open if I stop here and don’t apply again for another business card?
My son is 18, just got his first Business card the Amex BBP $12.7k cl (still surprised) on such a big credit line for a teen.
Already has checking with Chase, freedom unlimited after his birthday 9 months ago and last month sapphire preferred $5k
Should he shoot for the ink preferred?!? Or start small with the ink chase with its lower cl minimum?!?
770 fico $25k income from his seasonal business
If I have a big balance on one of my Ink business unlimited cards should that impact my approval?
Hi
I apply for this card 3 month ago and got approved can i apply for the same card now ? I will still receive the bonus?
Yes
Just got application under review 6/24
Just got approved 6/24 and this is my third ink business preferred
I have a freeze setup all my credit files, do I need to unfreeze before applying?
Yes, credit is pulled for business cards.
If I have a business in Israel for which I fike taxes in the USA, can I apply for a Chase business card?
I need more ideas on hitting the spending threshold.
Not to be a Debbie Downer, but for an unlucky few the biggest monthly outlay is payments to an ex spouse. Is there a means to process alimony through a rewards card without paying fees that devalue or even outweigh the miles benefit?
a very easy idea as for those paying rent rent some managements allow you to pay through click pay (not quick pay…) that only charges $25 for visa cards that saves you for a few hundred dollars in fees
I was denied via a letter.
what phone could i call to appeal?
800-453-9719
another DP. Applied and was approved today.
I was at 5/24 and declined 1 month ago for this same card.
thanks Dan!!
Awesome!
@Dan
Is this having high approval odds right now? Or just a good offer.
My score is high 700s but I’ve opened 3 total chase business cards this year but never this EXACT CARD. Likel approval for me subjective or objective to everyone?
Anecdotally, this seems to be higher than normal approval odds, as often happens at the start and end of offers like this.
In my chase profile it is saying I am pre-approved for the Ink Business Preferred, the Ink Business Unlimited and the Ink Business Cash!! Can I apply for all 3 together?
Yes, you can get all of them.
All for the same business?
Yes. A business can have multiple of the same Ink card as well, which it may need to keep track of different client expenses, etc.
JUST GOT APPROVED FOR THE Ink Business Preferred (5k) AND THE Ink Business Cash (4k). I already have the Business Unlimited. Could/Should I apply for another one today without any more credit checks? Which one?
Can I apply for another Business Preferred? or is 3 to many
I have a preferred opened 11 months ago should I first downgrade and then apply or first apply and then downgrade?
Is it worth applying for 2 cards at once?
And should I rather apply with a business that never had a preferred?
You can have 2 of the same card, no need to downgrade before you apply.
It doesn’t hurt at all (actually better) to apply for 2 at once, as there is only one credit pull.
Can this card be used as soon as you get approved?
I have a large purchase I’d like to make ASAP that would help get the needed spending for the award, but if I have to wait for the physical card to arrive I’ll miss my window and then it’s not worth the effort anymore.
Does anyone know if Chase can issue a number to use over the phone or something as soon as you get approved?
No you cannot. Business cards are also not elidgable to add to digital wallets until you receive the physical card.
As soon as you get approved, call and ask them to expedite it, they’ll send you Fedex.
If I have a big balance on one of my Ink business unlimited cards should that impact my approval? also I have 2 INK Unlimited and 1 INk cash plus 2 regular chase cards with no balance.
For the Trip coverage does it have to be business related?
If I open additional card will that person able to have Trip coverage as primary if he travels alone? or he won’t be covered
thanks
Was approved. Though they only approved as they moved credit around from another ink card to this one.
Congrats!
I’m over 5/24 and was approved about 30 minutes after applying! Initially it said Pending, and then got an approval email!
Awesome!
Under 5/24. Have 2 ink cards open. Got denied and Huca as well. I offered to move credit around but they kept saying that the reason was i had multiple ink cards opened the last couple of years which recently were closed.
A good reason not to quickly close cards!
Keep them around or product change them.
Is there a recommended amount of time to keep cards open?
The bare minimum is a year, but why close them? Keep them around and use them to get into the banks’ good graces.
annual fee, i was going to close for that reason
You can also product change.
Interesting you say this. Some have reported/speculated that having too many Inks was reason for denial, so I actually closed out some excess Inks.
I never closed mine, but was declined for this card (1st time being declined in my life) bec they saw I had 4 Inks open that were barely utilized (a few dollars a card every month).
Now I’m starting to rethink the “why not keep them open” strategy..
Catch-22 as closing is also not good. Best practice would be to keep spending on all cards, though that’s not easy to manage.
Why would this help? I also got declined for having 4 open cards for the same business with a total of $20k combined credit line. They wouldn’t let me open a new card…
Dan do you recommend trying again? It’s been a month, can they reopen the application if I call?
dan, i opened ua explorer, but not getting XN, why is that?
Please post on DDF with more details/screenshots.
thanks for tip, got approval over 5/24, all chase ly
Congrats!
Curious to hear if anyone got approved with upper 600 ficos (680-695)
Also curious to hear if anyone got approved while carrying a balance with personal cards (including chase)
when i try to apply it says this part of the site is not working right now
Try another browser or device?
I’m way over 5/24
It said in review
Do I call them?
I’d wait.
Carrying an $18K balance on 0 APR Inks (still just a relatively small % of my available credit lines) – does that significantly reduce my approval odds?
I got approved for one. Can I apply for additional cards?
Yes
Dan, I am a SP and have gotten about 4 chase inks in the past 18 months. Would you suggest I close some before applying for more?
Is there a place where I should see that the promo is applied to my account?
I don’t see anything when signed in to my account
If I offer to transfer credit limit from an older card to get another one of these, does it matter which card I transfer from (in terms of age of the credit)? The oldest card I have (about 35 years) has a stupid high credit limit, and I never use that card. Does it hurt to move some to a new card?
No difference.
I also wonder if age of account matters on biz cards (sole prop) or irrelevant since it doesn’t report to personal credit.
It’s irrelevant.
Can one business have multiple Ink Preferred cards? Eligible for bonus?
Yes, for example if you want to track spending for different clients.
Yes.
Approved after calling recon and shifting credit
Congrats!
For how long do I need to have established credit on my name, if I only have a credit card in my name for only 8 months can I get approved for this card?
You can. Others were approved that amount of time.
under 5/24 keep on getting declined for inks tried offering to move credit line over spoke to a bunch of reps that said they tried doing that already and system not lettings… because was approved for to many inks recently so I froze my Experian than tried again went into review got a letter said that i need to unfreeze than call chase is there a point of following through?
I’m in the process of applying for a (personal) mortgage. Don’t want any extra credit pulls now. Is the fact that this is a business card ok for me to do now? Or should I rather wait until I close? TIA
does this card have a late fee in the first year?
Which card doesn’t have a late fee in the first year?
i have 735 credit score with 6 late payments the last 2 years will i be approved?
At 9/24 and figured I’d be the dp I wanted to see. I was denied immediately 🙁
When I call, it says 7-10 business days, which I think is basically a rejection
It’s not
Newbie to CC: I turned 18 eleven months ago, opened 1st card on my birthday ($400 limit) , got approved for freedom flex ($500) 2 month ago, do I have a shot of getting approved for this one?
just got approved
New to credit <9mo credit history approx. 700-720 credit score, $4400 credit lines (2 CCs: Freedom Rise 1K, TD Double Up 3.4K
Was approved instantly online for 5K
Thanks for the DP, waiting for my cycle to close to report low utilization and will give it a shot as well
I am older than this but I wasn’t approved to any CC yet
Should I apply for this?
Would start on a no annual fee card first
Just applied as a sole proprietorship and they asked me that they “need additional information to complete your request” and did a “HUCA” and asked for a review and miraculously they did without demanding the docs!
Thanks to this post, I gave it a shot to apply for this card. I have way over 5/24. I am probably 10-15/24. I haven’t been approved for a Chase card for years because I keep getting new CC from AMEX, Citi, etc. I applied for P2 a few days ago, and was instantly denied. She’s way over 5/24 also. I gave it a shot. Instant approval for 17.5k
Congrats!
How do i get the 1.5 redemption if i have a reserve card?
You can transfer the points to that card.
Can that be done online or I would need to call?
Either.
I was denied an ink card a few months back. just approved! Thanks dan!
Congrats!
Hey Dan, just got approved for this card! Thanks
I want to maximize the points by transferring it to a family member who has the Sapphire Reserve, what is the best way to go about doing that? Note, not under the same household address.
Can I become an authorized user under his account and then transfer the points?
i had 3 inks plus a chase united card. last ink was approved 6 months ago. plus 4 personal cards. closed one ink 3 days before and applied. went pending and was apprroved 30 minutes later/ hatzlacha. was 3/24
Should your other cards be paid down before you apply for another card ?
Can’t hurt.
Applied, got denied, called recon, they said because of 5/24 (and also lack of business relationship w/ them). I said I’m only a co-signer of most of them. They asked if I’m responsible to pay the cards (family members), I said yes, so they denied me. Is it worth calling again (I have additional reasoning for recon)?
Yes, if you’re responsible it’s counted like your cards. You can call to correct the record if that’s not the case.
I mean an Authorized User, not a Co Signer. Does it make a difference?
No difference.
JUST GOT APPROVED FOR THE Ink Business Preferred (5k) AND THE Ink Business Cash (4k). I already have the Business Unlimited. Could/Should I apply for another one today without any more credit checks? Which one? Can I apply for another Business Preferred? or is 3 to many
Does a newbie have a chance at this card? Good credit score but not much credit history (1-2 years since first card)?
Pretty good chance
It hit my Experian credit reporting which is weird. It’s a business card I didn’t even give them my personal social
Hi – I applied for the ink preferred card and got an email stating they need couple of documents. 1) proof of ssn 2) proof of federal tax id for business. I have 1 but do not have 2. I just sell things on Facebook. What can I do in this situation?
Did you apply with a tax ID number or SSN? Did you use your own name or business name?
We took advantage of the last offer you were pushing on the Chase business preferred which only offered us 75,000 pts for $8000 spend the first 3 months. We are still in the 3 months. Is it possible to upgrade to get the 120,000 pts? Really bummed about this. Also why doesn’t anyone answer questions here or on forums?
Because the questions have been asked and answered multiple times…
https://www.dansdeals.com/credit-cards/chase-cards/hot-best-ever-offer-earn-120000-ultimate-rewards-points-good-least-1500-travel-1200-cash-chase-ink-business-preferred-credit-card/#comment-1717804
they asked for a pic of my id i just moved and it still has my old address not the one i put on the application what should i do?
Go update your ID?
Send your passport.
Also you can just send your license and if they tell you that it has the wrong adress just explain that you just moved and offer to send them bank statement or utility bill
I’m in the process of applying for a (personal) mortgage. Don’t want any extra credit pulls now. Is the fact that this is a business card ok for me to do now? Or should I rather wait until I close? TIA
You should wait till you close. Any hard pull during the process will be a headache but speak to your mortgage broker
Applied Sunday – just got approved (this AM I was not approved yet, I called). I called up the recon and asked for them to expedite the shipping and they will at no extra cost.
I have been declined recently on cards, just because I applied to to many cards (have great credit).
Glad this one worked out.
Thanks!
So you called for reconsideration and told them what?
That was the only number I had. They transferred me to the dept to get expedited shipping.
I was originally told that I was under consideration, that is why I called this AM. I was sure I would get denied..
I was denied via a letter.
i called twice for recon.
i was denied both times. the main reason being given was due to low usage of current cards.
is there any point in trying again by phone?
If I run a very small business, can I get this cc by applying with sole proprietorship? And If yes what’s the exact procedure?
What do I write when I’m asked what type of business..
and do I really need to use this card for business purposes?
Yes:
https://www.dansdeals.com/points-travel/milespoints/hot-best-ever-offer-earn-120000-ultimate-rewards-points-good-least-1500-travel-1200-cash-chase-ink-business-preferred-credit-card/#How_to_apply_Business_card_and_524_info
Hi, what can I use for “Proof of legal name for business”
I applied with social security number, and they are asking for proof.
Thank you
If you applied in your name, just send in your ID and SSN card.
I cancelled my Chase Ink Business Preferred several months ago and I applied last night again and got instantly approved.
Hey I applied and there asking me for proof of business address (which I don’t have) is there any way to get around this?
If you applied in your own name and address, just send a copy of your ID and address.
When does this offer expire?
I’m not sure if I’m above 5/24 but i’ve been denied recently multiple times. got approved today after 23 minutes on the phone. thanks!
Is it worth it applying for another (different) card while the first one is pending?
Doesn’t hurt
I got denied twice even though I followed your exact directions re self employed using my ss # as my business ID!! Only have one cobranded Chase cc . and have a 750 Score. Pls advise asap. Thank you!
call for reconsideration see what they say
i have to spend about 150,000 in the next month i know nothing about cc i would to get cash back not points
Ink Business will give you 2.5% cashback on any charges over $5000 2% on everything else. $195 annual fee.
*Ink Business Premier
i just asked a question and do see it
Which is a better offer, this or the Venture (or VentureX)?
I have CSR, but have been thinking of branching out into Venture or Venture X.
Does paying quarterly estimated tax payments for my business fall into business spending or is that considered household spending? (for someone trying to stick to the rules even though they’re not generally enforced).
Thanks in advance.
Of course!
when did chase ink business stop giving 3x or 5x back on office supply ? i have many ink cards and always had that bonus
There are 4 different Business cards.
The ink cash has a $25k limit on each bonus category
BH. Approved after verifying identity
Second ink preferred in 3 months
Thanks Dan!
Congrats!
Got denied because of overdrafts on account and reconsideration line cant do anything other than reading the denial letter for me. You think I should let it go?
How do I call for expedited card delivery? I called the # you posted but they said since I’m already approved I need to call card services. The auto system at card services doesn’t respond unless you enter your card number, which I obviously don’t have yet.
@Dan
my wife applied and wasn’t approved immediatly.. haven’t heard yet (its been a few days).
She has 4 open chase business cards including another ink preferred.
I have 6 (haven’t applied again on this offer).
Is it a good idea to proactively close some down so total credit line doesn’t become a reason for rejection.
Most of the cards have no annual fee, so seemingly no harm in keeping them open
rejected – declined for “You have too many active accounts or too much available credit” and “new business card recently opened”.
been doing this game for a long time..
its getting old.. amex coupon books are a pain in the behind
capital one portal is a pain.. hate getting travel that doesn’t get status or free bags
citi’s sign up bonuses are exciting..
mabye its time i just shift to earning the most with existing cards..
Another DP – I was approved last night although I am either 5/24 or 6/24..also instant approval which is a first with Business Cards with Chase (I have 3 other biz credit cards with them all took a while to get approved)
Congrats!
Boom just got called ! approved, after applying a month ago and being rejected! Thanks dan!
Congrats!
Dan, I applied for my LLC (using my own social since I don’t have an EIN yet) and they asked for some additional docs.
Seems like they didn’t like what I sent, since I just got this message:
“We carefully reviewed the documents you sent us about the application listed above. Unfortunately, they did not provide the information required and we are unable to process your application.”
Would calling them help at this point? Can I re-apply and just use my own name as the company, or is it too late now?
Thanks!
Yes, you can reapply in your name.
I’ll retired and my only income is social security. Is it still possible to apply for a card?
Any Idea as to when this will Expire?
I already opened 1 and want to open another but want to make sure I have enough time to spend the 8K
EIN Question-
Got rejected. I currently have 3 INKs for my business all applied for using just my SS# (Sole Prop). One card is about 3 years old but the other 2 I just received in Feb 2024 during the last INK offer. Declined for “You have too many active accounts or too much available credit” and “new business card recently opened”. I called Ink and slashed my available credit from 30K total to 12.5K total. I called Recon. Analyst said “It doesn’t make sense that you decreased your credit and now you want a new card.” I went with the – “I like to use different cards for different expenses” line but he wasn’t buying that: rejected! I have an EIN for my business that I have never used for any CC. Should I reapply using the EIN? Ty.
You made a Big mistake – You should not have slashed your credit rather you should’ve asked the reconsideration line to move the credit to the new card – I had the same issue and that is exactly what I did.
Was denied , called and they removed some credit limit from another card and APPROVED ME! THX
What number do I call for recon?
800-453-9719
I tried to apply. They told me I have too many cards and not using enough, that I can’t open another one. The final decision is a denial. Any ideas?
Same here but I pushed multiple businesses, want to separate etc., using for shipping..
Honestly, I’m convinced people should move their credit to one or 2 chase cards and close their cards out. It seems chase is giving lots of grief to people w multiple unused cards. The only reason not to close accounts are for credit ratio which won’t effect you if you move the credit over. Credit longevity, which you have with other cards, and different types of credit, which you have w other cards.
I have an Ink plus, and am considering to switch to Ink cash. Any harm besides the 25k cap instead of the 50k cap?
I was Declined. I called reconsideration and was declined again. I have 800+ credit score and 75000+ in Chase un-utilized credit to move around but they wouldn’t because too many new cards (2 new business cards in 7 months and have high balance on both new cards because I am taking advantage of the Intro APR). HUCA or once recon says no, they won’t change?
Same issue
+1
Can I get the sign up bonus if I already have a Chase Ink Business Preferred for the same business I am planning to apply for?
Yes
I have 2 questions:
1) Do you know if it’s ok to use a virtual business address?
(that’s where I get my business mail and that’s the address I used, but I am still trying to find the right documents for them to approve it, and don’t know if I should perhaps use the actual virtual office agreement)?
2) Since they don’t seem to like my documentation, do you know if it’s possible to change the address on the application to my home address? (or does that require an entirely new application with a credit check?)
Thank you!
Would stamps.com spending count as shipping purchases for the 3x per dollar?
Yes
Ebay shipping counts too
I Applied while all my credit scores were frozen. So I immediately unfroze them and call credit reconsideration line. They asked for permission to perform a hard enquiry and told me I will get a response in 7-10 business days. I was approved shortly after. I can definitely spend 5k does anyone have an idea how to spend the rest of the 8000 to qualify for the bonus?
Taxes? Prepay utilities?
I can send you my Amazon registry link
Applied and got a letter in the mail saying that I was denied bc they suspected it was fraud or identity theft.. has this happened to anyone? Will i get approved?
Call 800-453-9719
I had it in the past. I secure messaged chase that I received this letter and it was actually me that applied. They responded that they’ll forward it to the correct department. I got approved several days later. However upon receiving the card they locked the card for fraud and I had to call to have them unlock it.
Denied. I am over 5/24. Been about a year and a half since I’ve gotten an ink card.
what is the credit limit needed to get approved ? say; poor 597 any chance?
Can I pay someone via PayPal to hit the spend threshold? Will it count towards the spending threshold? Would it be worth the 2.9% fee, if applicable?
Would this be considered a cash advance??
It can work, won’t be a cash advance if it’s for goods & services (friends and family will be).
Definitely would be worth the fee if you can’t spend it elsewhere though chase probably won’t be happy about this.
I did 6000$ at once with an ink card and got the bonus. I figured the FTF would cost me 3% anyway
I just got the card and it says I’m getting a 100k point bonus. Why?
Is it because somebody referred me?
Correct. The link in this post gives 120K.
Yes, only Dan gives the best sign up bonuses.
I applied the day this came out, it’s been 10 business days and when I call, the system says they will send a letter in 7 to 10 business days. When I spoke to CS, he had no updates either. What gives?
if i have a personal chase online account could i add this card to it? and could i do it even if I’m a Additional?
You can add personal cards to a business login.
Can I apply if I recently downgraded to the Ink Business Unlimited from the Ink Business Preferred?
Yes
I have 6 Chase Ink cards. I do have a few legitimate businesses, doing ~80k in revenue, but they are all sole proprietorships. I’m worried about getting everything shut down (including on the personal side where I have a huge stash of UR points). Should I close some of my Inks before trying for this kind of deal again in the future? Thanks!
If I open a second of the same exact card, using my same business name, same sole proprietorship social sec number and all the same info, is it possible to get approved and get the bonus? I understand that you can open more than one for the same business but I’m not sure I got that right.
Maybe change the card type so you can push reconsideration that you want this shipping card etc. chances are you’re going to need to cal reconsideration
Yes, you got that right.
What is better to use, EIN with no accounts on file anywhere or ss# with accounts with chase?
rejected, too much credit/recently opened cards with Chase, any tips?
Same here
Same
right now it says they’re only giving 100k points
Use the link in this post to get 120K.
Do u need to have a business for the ink cards? And if I apply for the reserve cc can I always downgrade with no annual fee?
Doesn’t need to be a traditional business, you can apply using your social for any side hustle you do.
I think the annual fee is prorated, so the earlier you cancel the more annual fee you get back.
Does Amazon PPC spend get the 3x?
I applied a couple of months ago when there was the other INK card offer and they didn’t approve me because I already had a few INK cards and wasn’t really using them. I just applied again and was instantly approved. Thanks!
Awesome, congrats!
I have a few ink cards. Can I open another card using my name as the business name? Can I open more then 1 of this offer at same time, or am I limited to just 1 if using my social?
Yes, you can have multiple of the same Ink card.
High balance (~$20K) on another 0 APR Ink hurt approval odds?
No way to know without applying.
Has Chase announced an end date for this offer yet?
Not yet. But end dates aren’t always announced.
If I have a bunch of inks (cash, preferred, unlimited) – can I keep applying for them for the same business? Or must I apply for them as another business?
Yes, there are no limits on Ink cards.
I keep being declined even when doing huca on recon due to having too many open inks, with low usage, would it be beneficial to close some of my existing inks to get approved for new ones in the future ?
You can try that, though generally, you don’t want to close cards that are under a year old.
My last card was opened 11 months ago. And recon said that any card opened within the last 24 months are considered as new accounts by the system…
Received this email 3 weeks ago:
Thanks for requesting a new credit card!
We’ll review your Chase Ink Business Preferred® credit card application and be in touch soon.
What now?
You can keep waiting or you can try calling 800-453-9719 for reconsideration.
Applied, have a credit freeze. Unfroze, called the Chase number to let them know it was unfrozen. Asked me name on application, said it didn’t match & I’d get a letter in 2 weeks. Letter never came, called after 3 weeks. Got same CS rep who was very curt with me both times. She said they’d “archive” my application and I could try again in 10 days. That’ll be August 11. I applied July 11. So frustrating! But I have a calendar reminder to apply August 11.
Got approved!
Thanks Dan!
Congrats!
If I close older ink accounts that are under one login with ones I am not closing, will I lose the points from the accounts I’m closing? Do I need to transfer (combine) them first with an account I am not closing?
I think in AMEX, the points stay as long as you have a card that earns mr points.
Is Chase the same or different?
Thanks
No.
Move the points to a card that you are not closing.
Hey! Do you know when this offer expires?
Nope. End dates aren’t always announced.
Does this card have 0 APR promotion for one year?
No
Hi Dan,
I recently downgraded from ink preferred to ink unlimited.
Can I now apply for this deal?
Yes
I already have an ink premier under 1 personal business. Can I sign up under a different business under my name and get approved for a second card ?
Yes, the same business can also have multiple identical Ink cards.
I am not looking to get a different ink card. I would like another ink premier under a different business of mine. Can that work ?
I didn’t say any about different Ink cards. 😉
But the answer is still yes.
It’ll work even using the same business no need to ask if it’ll work with another business!
Hope you understand what Dan said now.
What is the best way to maximize 500k points value on ink premier ?
Ink premier are only cashback points no maximizing.
Dan, what is the phone number again please , to call Chase for manual reconsideration ?
( my apologies in advance, I know that youve posted it before, but I can’t seem to find it at this time )
800-453-9719
What’s the phone number for Chase reconsideration?
800-453-9719
When the time comes and there’s another annual fee, can you downgrade this business card to a regular non-business card, like the Freedom Flex card to avoid the next annual fee or would the downgrade need to be to a business card without an annual fee?
Only to business. Ink cash or Ink unlimited both without annual fee.
Got approved:-) they put my credit limit at $4500 I have a 8 thousand tax bill to pay is there a way to increase the limit and is it not good to spend the 8k bill as the first charge?
For the preferred? It has a minimum limit of $5000.
Call them to move credit over from a different account
I originally got denied after applying for a second one for a different business as a sole proprietorship. I spoke with their recon and verification departments and they said you can’t have more than one of the same card and the same sole proprietorship & SSN. They’re saying that’s the reason why it’s coming up as denied due to it being a duplicate. They’re going to see if they can move some credit line around so the app is pending. Note: I applied for each one about 2 days apart from one another. Any suggestions and / or wait period before trying again??
I had this too. Got denied right away on second application because of duplicate application. Any way to get this approved?
BH approved! Opened a couple cards, both business and personal in the past 24 months.
Thanks Dan!
How much does business need to make and spend to be eligible to apply for sole propioships
Any size
Got instant approval after already having one Business Pref (less than a year ago), as well as numerous others.
I was denied 🙁
They said too many active accounts (I have 5 Inks but not the preferred, and one personal Marriott), too low usage of chase credit line and too recently opened new card (Last one was in May).
I offered to move credit from another card but they still said no. Should I cancel some cards? How long before I could try to apply for a Chase card again? Am I on some sort of blacklist now for a while? And would it affect opening Chase personal cards too? Thanks!
i was denied & asked for recon 7 time & got rejected even i paid off hi balances. then i applied again & got approved
I don’t have any high balances. They actually denied for not using enough credit. How much time did u want from denial to re-applying?
Got 100k bonus few months ago. Applied again and got approved but it says I would only get 100k, not 120k. Is that because there’s a maximum of 200k points a year?
No, it’s because you didn’t use the 120K offer link in this post to apply.
call after the spending is done and ask for 120
I just decided to go for it.
I got the same exact card in June just less than two months ago. They told me they would match the new offer but I need to message them after I make the minimum spend. I applied as Sole Prop this morning and got the pending message.
I just got an email approved. Same exact card with using ssn for sole prop within 2 months.
Looks like really good approval odds if I just got another one.
If I apply today and get instant approval, and call to expedite, any chance that it arrives tomorrow?
Hi Dan,
Just got approved!
Thanks!
Congrats!
i just applied for the ink cash and got declined due to too much ink cards with chase and some of them having high balances.
any point of applying for this one?
Pay down some of them first?
I got denied using the link due to “You have too many active accounts or too much available credit” I offered the rep to move around credit limits, she responded it’s also having too much credit outside Chase. I’m definitely using less than 30% outside of chase, would you recommend I call again to try my case? Or once rejected better to leave it alone and try again in the future. TIA
Definitely call again, you’d be moving credit you already have on chase why would they care about outside of chase.
Called again, they held firm on the decline due to too much outstanding credit with Chase that I am not using, so no need for them to extend additional. Also spoke to supervisor who said the same. I offered to move credit around, no dice
Did anyone have success downgrading the ink preferred to a no fee card?
Chase is telling me my card is ineligible.
Of course.
Have you had it open for a year?
You need it to be open for a year?
Yes. Should always keep cards open for a year anyway.
@Dan I got this card in March 2024 as a sole proprietor using my name and SSN. Any chance I can get a second card now less than 5 months later using the same exact info?
Yes
Does my annual revenue for my business affect my approval odds? How about my expected business expenses?
Yes
Is there an amount that’s too low that you would say is not worth even trying to apply for the card? How mush is that?
Did most of my spending on United tickets, leaving Israel to NY, which were canceled.
I would want to refund my ticket to my card (I booked backup tickets on Elal) will they count it as spending? Should I wait to have them refunded? My points are pending already…
Did most of my spending on United tickets, leaving Israel to NY, which were canceled.
I would want to refund my ticket to my card (I booked backup tickets on Elal) will they count it as spending? Should I wait to have them refunded? My points are pending already…
Chase doesn’t usually retract so you will probably get the bonus, but not sure on a big spend like that as they might not like it.
Dan: Can you help?? What does this response from Chase mean? “..We reviewed your application, and we’re not able to approve this account; we do not currently offer rewards programs to your type of business or entity to avoid a potential conflict of interest”. (The business is an at home day care… with it’s own name and TIN)
I got approved. I’m over 5/24 and was recently denied a different business chase card about 2 months ago (reason given was that I have too many chase business cards that I don’t use). I already have this card and all the other chase business cards.
i opened my first c.card on mar the limit is now 12k also aditenel to a card open for more then 2 years can i get approved for the ink preferred?
For sure
Also got declined for “too many active accounts or too much available credit” and “low usage of chase credit lines.” I called recon line and couldn’t get them to budge even offering to move credit from another card which I had done in the past with this issue. I have 2 chase business card accounts and 5 personal card accounts. Underwriter told me “it’s a new rule” which I kinda doubt. Does HUCA work on the recon line?
Doesn’t always work but in your case I would try again
It worked! 54 minutes of hold music and I was able to move credit from my other Ink products to this one. The only new information I needed to provide was more specifics on what I would spend on. Thank you!
I applied and was denied with them saying i have 5 other business cards with low usage . i asked if i could shift the credit to a new card…they did not agree with that request. should i close any of the other cards? will that make a diff? close the ones with low availabllity i guess? how long after that can i call to have my case reconsidered?
I’m not over 5/24, but last time I applied for an Ink card they told me that I already have too much credit so I was denied. However, this time I was approved immediately with a $5,000 credit limit
Congrats!
They gave me an extremely hard time with the 5/24 rule even though one of the 5 was opened and closed the same day over 18 months ago. I would NOT say they are overlooking this rule as all. I called reconsideration 3 times and got the same response.
5/24 waivers are done by the system.
Unclear why some people get by it and others don’t.
can someone post their referal link so i can sign up using it?
Erm, https://www.dansdeals.com/go/IBP24/
This is a higher offer than the referral offer.
How risky is it to cycle credit once on this card, in the first month of opening? Did everyone/some people/nobody do that and it’s fine?
(Low CL and have a big purchase to make, which I can split – charge, pay back and charge the second half and then pay that if after, or by the due date.)
Is this worth paying for school tuition that will charge a 3% fee for using a cc?
I’ve a late data point for you: Applied today 08/19 and I was definitely at 7/24 upon applying. Pending initially, then approved approx 4 hours later. Thinking of trying for wife too — she’s 8/24 but might as well give it a shot!
Awesome!
just applied 8/20/24. under review 🙁
Dan, FYI, the search box on your website is not working.
Works for me.
Dan, do you have an article going through the best ways to use chase points on regular flights? Which airlines to transfer points to and who they partner with to get the best mpd? If so can you link it here?
There’s no 1 size fits all, you have to check pricing in the Chase portal and with the various transfer partners.
I got approved for the card and credit line of 5000$ I tried speaking to them twice to increase the limit and reconsidering the decision it didn’t help, any suggestions of what I cam do??
Just use the credit line you got?
Do you have other business cards you can transfer from?
I signed up for three business ink cards last year and 2 this year all under my name as the business. I have excellent credit score. I applied for this and got rejected due to have to many inquires and unused credit limit. I called the reconsideration line like 6 times, all of them said no. any suggestions or just give up?
Call just one more time!
Exact same story with me ;(
Is this offer better than the 90k ink unlimited offer?
Sure
Even with 0% APR, 1.5%, and requiring less spend with no annual fee?
If you value points at 1.6, that’s a bonus value of $1,440 vs $1,920.
This also has 3x categories that CIU doesn’t.
Going to need a lot of 0% APR to change the math.
Even considering a value of 1.6 – A lot of people will get more value with the 1.5%, the extra $2000 Can be better spent using a better card with 5% for example, making it $80 vs $190. Plus you didn’t mention the no annual fee of $95. In that case, the 0% APR for the $6,000 (Potentially More) Spent on the card would make it better than the CIP.
Is 5/24 waiver for any other card? Can it be overridden for the ink cash?
have had one ink for approx 6 years, opened a second last year by the 100k offer, only after sweet talking to them and moving line of credit. closed that one last week [shifted back line of credit]. was now approved instantly for a new one for the 120k using above link !!
I have multiple ink cards and as of now have a pretty high balance on one thats still on the 12 months 0% Apr. is there any point in applying? I really would love to get this bonus
A lot of people are asking about this, but no one is giving any data on it. Hopefully, you’ll be the first!
Seems like they’re not approving duplicate applications even when applying as a different business type. I tried today after getting approved for my first about 2 or so weeks ago. . .
Had the same thing.
Any way to go about it?
Call reconsidering. Never give up!
A winner is just a loser who tried one more time!
OK. I haven’t put any spend on my Chase business cards in months b/c I’m hitting Amex hard. I decided to apply anyway. I already have the Ink Preferred. I didn’t care, what’s the worse they could say… Result: My 2nd Ink Preferred card is on it’s way to me.
Congrats! Thanks for the data point.
Just applied got a pending result called in they say they have no additional info I should call back 24 48 hours
I have 2 ink cash unlimited cards, 1 ink cash and a business preferred that i need to close within a few days so I don’t pay the annual fee.
Do you think its safe to apply for another preferred without chase getting nervous? If yes, should I close my current preferred before or after applying for the new one?
Thanks
Got this error when applying for one of my businesses..
Thanks for applying, *****.Thanks for applying, *****.
We need to review your application.
Here’s what to expect:
We’ll let you know our decision in writing as soon as we can.
Our email or letter will tell you how to provide more information or documentation if we need it.
Please don’t resubmit your application.
It’s not an “error”. They’re reviewing the application.
If I’m 19 have the no steady income (just side hustles 5-8k) should I apply and in what range should I put my income as
Put in your side hustle, that’s good enough
My husband and I both got approved for the card immediately. We’ve never had chase business cards before but have other chase cards. I have a large medical bill I need to pay – can I do that on this card, or is that obvious it’s not a business expense?
I’m curious is it not crucial for the company to have the owner in good health?
Can you use this card for personal expenses or only for the business?
Officially this is for business expenses, though if you are applying in your own name, anything related to that would be a business expense.
This isn’t something that’s enforced.
Is there a minimum that is needed for business revenue in order to get approved?
Nope
Can I get a 2nd preferred card for same business?
Yes
I have the 120k points in my Ink Biz Cash account. How do I get them to a value higher than the $1,200? Transfer to my Ink Pref?
Yes, you can do that online with the combine points feature
8 month old fico low 7s 3cc what are approval chances?
May depend on your income and family size. I know someone single in similar situation with income in high 30’s and was approved/
Looks like 0% APR on balance transfers is only for personal cards, not for business, am I right? Any way to get for balance transfer 0% on a business card? (Not on purchases…)
Ink Cash and Ink Unlimited have 0% intro offers.
Not on balance transfers (I think) I’m looking for balance transfer 0 APR on business card. Any of these? I don’t think so
You’ll still be paying a fee to transfer
@dan
If I do not run a business do I select self propiertship? Will this cause any issues with IRS taxes?
As the post says, if you have any hobby, side gig etc, you can select Sole Proprietorship.
This has nothing to do with the IRS.
I spoke to reconsideration after getting denied. They said nothing they can do about 5/24. Any advice? Have 2 business cards with them.
5/24 is bypassed by the automated system for many people, but reconsideration won’t typically overrule a 5/24 denial.
Applied friday- got email that they will let me know in 7-10 days. Don’t want to call yet because I am over 5/24. Question is if I only call after offer expires, will that lose the easier approval chance that comes with the offer? Or once app is submitted it won’t make a difference?
I’d say to wait.
@DAN
First off you’re awesome. Always helping us all get these jumbo deals.
Question. Once I am already applying for this card will I be able to apply for say an Amex or diff company card and still ONLY INCUR ONE CREDIT CHECK FOR THAT DAY????
no
AMEX doesn’t typically do a credit check for existing cardholders applying for a new card.
If I apply today, but only get approved after the offer ends, will I still get 120k?
Does the bous go by when you sign up, or when you get approved?
It goes by when you apply.
@dan I just signed up for and received the chase card and got the spend bonus a couple of weeks ago. I also have 3-4 connected to this business. Can I apply for yet another one or is it too many/too close?
You can apply. Worst case they say no.
will i get approved with a 640 Experian score?
You can
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?
Tough call.
Are you over or under 5/24?
If i call for reconsideration after today and get approved will i get the bonus?
Yes.
Got approved. Thanks Dan! Question.. Besides the sign up bonus, is there any benefit in using this card long term over the Capital One Venture X?
Congrats!
Depends on the spend category.
I applied for the card but did not get immediate approval. I called the number and they said my application is still under review. This is the second time this has happened with Chase. My FICO score is over 730. I do have few Chase cards with a balance on them but not even close to my limit. Last time I was denied, A week later they increased a different cards limited by $10,000. This doesn’t make any sense. Looking for some advice. Thanks
There’s a lot of things taken into consideration. Just wait a bit and call again
i applied and waiting for approval. Should I call to allocate credit from other cards?
Dan tip: Depends if you’re over or under 5/24
Applied – got approved. Thank you Dan.
Being that signing up for a few Ink cards in one day only triggers one credit check, would that also be the case if I signed up for an Ink card and also ask for a credit increase on a personal card?
I don’t think credit increases have an inquiry l.
Dan, if I have an invite already from Chase with invitation number should I apply through that? I already have a Chase Business Account my FICO is 640. Wasnt planning on trying.. Your convincing me though
The invite doesn’t help with approval.
Ya I couldn’t help it. Had to sign up because Dan was just giving me fomo if I wouldn’t!
Applied.
Emails said reviewing application.
Approved after 2 hours.
Congrats!
Hi Dan
I applied as a sole
Proprietor and got a call saying I need to verify my business address. I don’t have any paperwork other than utility bills. What would you recommend
Thank you
What did you put for the business name?
My personal name
Then just send in your ID and a utility bill in your name.
I used your link and applied. I got the “under review” message. I still have an Ink Preferred under the same business name that I got in 8/2023. Annual fee has posted. If I get approved for the new application, is it safe to cancel the 2023 Ink Preferred?
You can downgrade to ink cash or unlimited
Congratulations! Your new credit card is approved
Email response within 2 hrs!
Thanks @dan
Congrats!
Hi Dan,
I have applied to multiple chase ink cards past 12 months. I applied now and got the pending review message. Do u recommend calling recon? If I call tomorrow after the offer is active do I get the bonus?
What’s your 5/24 count?
Yes, as long as you apply before the deadline you will get the bonus.
@Dan
Wow! Used your link. Instant Approval $6K – Shocked – I have opened 3 Chase Cards (1 CIU) and 2 Amex in past year.
It seems like all my recent Chase app have been a struggle to get approve for another card – the business cards have always gone to pending for the past 7 years.
This is perfect timing as we have big month long European trip coming up visiting Yid historical/memorial locations in the Visegrád group countries.
Then finishing up with 5 nights in Paris this is the tail end of our big 30th anniversary trips – we started on our actual 30th in January. While most of the lodging and transpo has been points/miles. We still have lots of other expenses.
Awesome, congrats and thanks!
Excellent approval odds right now, get one for your spouse as well. 😀
Enjoy Europe and have an insane croissant at The Reserve for me. Happy 30th!
Thanks,
Will definitely have to try to make to the Reserve sounds epic.
Another CIP P2s is less than 1yr – but very tempting, but I think the plan is we are going to go for one of the Southwest Airlines Rapid Rewards Business Cards for the single card Companion Pass before the 16th.
We last qualified for the SW CP at the end of January 2020 – we got decent value in-spite of C19 – but SW is good for us living in the PNW – and we have slowly burned through the points (its been great flying family members for weddings and for a first anniversary trip, flew our nieces to see Grandma for Thanksgiving in 2021 and flew my MIL to spend time with her kids for thanksgiving in Virginia Beach).
The CIP SUB will probably end up with United for an Int’l trip SFO/DEN are our main UA transit hubs.
I love the flexibility of UA Awards (they maybe more expensive than LM/AC) but to be honest if there is an IRROP abroad – I love that I can speak with a human in less than 3 minutes (even during travel meltdown last January). It took 40 minutes to talk with someone at Delta on Skymiles not being redeposited – I almost closed the Delta Biz Plat(another DDF link app) before the card refresh – I was burning off the rest of our Sky miles to take the family to Georgia this November to celebrate my mom’s 80th. But the Delta Hotels ($400 first 12 months (Calendar year 2*$200), the $120 Resy credit and the new Delta companion pass now is Central America, Mexico, Hawaii, PR and the Caribbean – so may just keep it.
I digress even after 80 card approvals – I still get excited.
Yup, SW CP looks great if you can get the timing right to have it last through 12/31/26.
Less than 1 year for CIP doesn’t matter, just a question if you can do the spending. Tonight is definitely a great time for CIP approvals!
And agree on UA miles, they’re great for schedule changes/irrops/redeposits. Just used them for a trip to Alaska last week, which was incredible.
This is still fun hobby indeed!
I have opened many Chase Business Ink cards without having to name my business, but for this card they are asking me for an actual name of a business, and for the EIN of the business. Is there any way to get around that?
You can use your own name and switch to SSN.
Offer still on by any chance?
Is there a way with this chase ink business e card to hsvd employees categorized expenses that is integrated into quick books?