Higher Ink Cash and Ink Unlimited offers available in-branch

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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.

a close up of a credit card

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
75K after $6K spend in 3 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.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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 signup bonus for a no-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 ✦ 5X 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
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.
Card Offer and Details
75K after $6K spend in 3 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.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
FM Mini Review: Great signup 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
Base: 1.5X (2.25%)
Other: 5X (7.5%)
Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.

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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