How to sign up for Chase Ink cards


Chase Ink sign up

If you’re a regular Frequent Miler reader you probably already know that I love the Chase Ink business cards.  Like the Sapphire Preferred, the Ink cards reward you with Ultimate Rewards points which can be incredibly valuable when transferred (instantly and for free) to airline miles or hotel points.  Where the Ink cards beat the Sapphire Preferred is in the ability to earn points quickly.  The Ink cards offer 5 points per dollar when used for office supplies, phone, and cable bills (for up to $50K in purchases per year).

UPDATE 1/26/2016 Please also see this recent post: How to get approved for the Chase Ink 60K offer

Who can apply

The Ink cards are business cards so you do need to have a business in order to apply.  Examples of legitimate businesses include blogging, owning rental property, consulting, merchandise sales (online or in person), etc.

Now let’s look at how to apply:

Step 1: Find the best bonus offer and click through

Please look to my Best credit card offers page to find the best current links and offers.

Both the Ink Plus and the Ink Cash card earn Ultimate Rewards points.  You do need a premium Ultimate Rewards card (such as the Ink Plus or Sapphire Preferred) to transfer points to loyalty programs such as United, Hyatt, etc.  However, if you have both the Ink Cash and a premium card, you can transfer points from the Ink Cash to your other card, and then transfer to loyalty programs.

Step 2: Tell Chase about your business

The first part of the application is about your business.  If you already have a well established business, then the answers should be straightforward.  If you are just getting started with your business, here are some examples of how to fill this out.  These answers assume that you do not have any employees and you operate as a sole proprietorship (which is the most basic form of a business).  Use your judgment to answer differently if the examples given don’t match your circumstances:

  • Legal Name of Business:  If you don’t already have a business name, you can use your own name or take this opportunity to create a name for your business.
  • Tax Identification Number: Use your social security number or create an EIN for your business
  • Type of business: Sole Proprietor
  • Nature of business: Pick whichever categories are closest to your business
  • Business Address:  Use your home address if you do not have a dedicated business address.
  • Years in Business: (number of years you’ve been operating the business with or without revenue)
  • Number of Employees: 1 (you)
  • Annual Business Revenue: 0 (or project an amount based on monthly revenue to-date)

Step 3: Authorizing Officer’s Personal Information

This is where you put in your own personal info

  • Authorizing Officer: Owner
  • Gross Annual Income: An estimate is fine.  This does not have to be limited to income from the business.

The rest you should be able to figure out yourself:

Step 4: Agree to the terms

Here you agree that you will use the card for business purposes only.

Chase Ink sign up

After the application

If your application is not instantly approved, I recommend waiting for a decision by mail.  If the application is ultimately denied, then call Chase’s business reconsideration line to try to get the decision reversed: 800-453-9719.  Sometimes it even works to call several times!

For details about what might happen after you apply, please see:

Good luck!

Once you get the card, read my blog daily for tips on how to meet minimum spend and how to maximize benefits.

See also: How to get approved for the Chase Ink 60K offer.

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