Last week, Stephen wrote a post about higher welcome offers for several Chase cards that were available via non-public links that had been shared on Reddit. These included a 90,000 point offer for the Ink Business Unlimited (there is another link floating around for the Ink Cash as well).
While the offers on these Reddit links are admittedly terrific, they do come with some risk since they aren’t publicly available. In the past, some have had their Chase accounts shut down for using these sorts of links and, while many folks have been successful with no adverse consequences, there’s no way to gaurantee who might be affected (or if anyone will be).
We’ve now received multiple reports that these increased welcome offers on both of the Chase Ink cards are also available by applying for them in an actual Chase branch. Assuming that you don’t mind discussing your business with a physical person, this is undoubtedly a safer way of obtaining the higher bonuses.
The Deal
- There is a new in-branch offer at Chase Bank branches for the Chase Ink Business Unlimited and the Chase Ink Cash cards. Each offer awards 90,000 Ultimate Rewards points after completing the minimum spend.
- This in-branch offer likely requires applying through a business relationship manager.
Key Card Details and Best Public Offers
| Card Offer and Details |
|---|
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 FM Mini Review: This one should be in everyone's wallet. Incredible welcome bonus for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
| Card Offer and Details |
|---|
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo Annual Fee Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager. FM Mini Review: Great welcome bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
Quick Thoughts
First off, if you’re in a P2 situation, don’t forget that a household referral would actually provide the most points with the least amount of hassle and risk. Referrals currently generate the 75K offer and the referrer earns an additional 20K points, for a total of 95,000 Ultimate Rewards points.
If that’s not possible, this in-branch opportunity provides a safer way of accessing these increased Ink offers. You’ll most likely need to apply through a business relationship manager, but if that’s not a deal-killer, it might be worth a trip to the local Chase branch (I’d recommend calling first to inquire about the availability of the offer at your branch). I’ve applied in-branch for an Ink card previously and I didn’t find it to be any more onerous or intrusive than talking with a phone agent.
There are also reports that the Ink Business Unlimited offer will become publicly available soon, but we haven’t heard anything confirming that. If the Unlimited offer does become public, I’d imagine that the Ink Cash offer would be as well.
(h/t: DOC)
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Last week I signed up for Ink BU with a P2 referral for 75,000/ $7500 Spend. I messaged in app and was told they would match to 90,000/ after $7500. Chase also matched P2’s Bonus that was completed in July.
Thank you for the DP. Will try asking chase for the match over SM.
There are lots of reports of Chase matching the in-branch sign-up bonus after approval, even going back a few months 😉
Question if you don’t mind me asking. Is it OK with Chase or any other banks to signup for a card that you already have? For example, I already have the Chase ink cash. Is it OK to signup for another one so I have 2 of them? I don’t have the Chase ink Unlimited but I see it to be worth it to have it in my wallet. I would love to hear from you and maybe your suggestion in that manner.
Thank you
Yes for biz cards.