How to sign up for Chase Ink cards

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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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GiantCXFan

Looking at the terms for Chase Ink Business Preferred, it does not say that you are not eligible for bonus points if you ever had the card. I think I had it at one point and converted to Ink Cash in June 2015. Would I be eligible if I applied for it now?

Loall

I’m not sure if this question has been asked before but, Is it easier to get approved for the Business Chase cards if you already have another Business card from another credit company?

I know there’s a factors involved in getting approved for a business credit card (or personal credit card) and things may vary but I’m curious if Chase credit analyst will see your credit history (or handling business credit cards) from other sources aside from your reports.

[…] How to sign up for Chase Ink cards […]

[…] How to sign up for the Ink Bold (or Ink Plus) […]

steve703

since I cant put my link, please PM me for the referral link for the 70k UR Offer

steve703

I found this email link to from Chase INK for 70,000 UR. please use my link to obtain the 70k.

[Application link removed by editor]

[…] How to sign up for Chase Ink cards […]

[…] How to sign up for Chase Ink cards […]

ericdabbs

So when you submit your Chase Ink Plus application and it says it may take up to 10 days to reach their decision, is that 10 business days or 10 days total? I applied on 8/28 at night so I was curious when I should consider calling Chase to bug them about the decision. I prefer not to call.

IB

My wife signed up for Chase Ink Plus for her business(Using SSN) and was approved. She is the only card holder on the account. My question – Can I apply for a separate Chase Ink Plus card (New account) under my SSN for the same company?

Jess

I just was approved for ink bold
Is there any way i should/can apply for another chase card before 60K point promotion is over in next few weeks ?Which one would be reasonable to apply for next?

FrequentMiler

It’s theoretically possible, yes, but I can’t say anything about how likely it is you’ll be approved. Last year, I applied for two Ink Plus cards on the same day and was approved for both (but I applied with two different businesses). If you want to try applying with the same business, then you should pick a different card. Try the Ink Plus since you just applied for the Ink Bold.

Ly

I have an Ink cash MC. Can I apply the Ink cash visa, since they’re not the same products?
thanks

FrequentMiler

Yes

Royboy91

I haven’t ever applied for a business card, nor do I have any Chase Cards. I just applied for the Chase Ink Plus and my credit score is 844. After submitting the application, the message I received on the screen was that I would be notified within 10 days. At what point should call the reconsideration line, or just wait until I hear from Chase?

FrequentMiler

Its really up to you. If you’re anxious to get a decision, go ahead and call (during business hours). Otherwise, its fine to wait until they inform you of the decision and if it is a denial you can call the reconsideration line to see if they can reverse the decision.

Jess

I already have chase swa business card and two other personalchase cards( united and Swa)I have no credit issues I know of and have my own business . Is there a restriction to sign up for ink bold? And if I get ink bold is it possible to get the other ink or sapphire ?
I’m new to this and I want to strategize properly
I’m also interested in Citibank AAdvantage with 100k sign up bonus. Should I hold off and not sign up got the chase and citi cards simultaneously?if so how long do I need to wait?
Btw thanks for informative talk at ftu Seattle!

FrequentMiler

There is no hard and fast restriction. Assuming you have good credit and income, you should be able to get all of the cards you mentioned. Perhaps get the Ink Plus and Citi 100K cards now, then later get the Sapphire Preferred and Ink Bold, for example. Often people wait 91 days after signing up for several cards before signing up for new ones in order to let the inquiries fade away a bit.

MoneyMateKate

I currently have 2 Ink cards – one for each business. Both are MCs. How long do I need to wait between cancelling a card and applying for the new one? Does it matter?

FrequentMiler

No, it doesn’t matter. In fact, some readers have signed up for Ink Visa cards while still keeping the Ink MasterCards active.

Nitin

Would I be still eligible for the bonus points if I have the Chase Sapphire preferred card? I didn’t see anything in the T&Cs.

Thanks

FrequentMiler

Yes, that’s no problem at all.

Jaguar

I want to apply for the Visa version of Ink Bold, but I already have the MC version. From everything I have read, it appears that the Visa card is considered a different product, so it’s eligible for the sign-up bonus. Do you know if this is accurate? Also, do I need to cancel my MC card before I sign up for the Visa card? or, can I just go ahead and apply for the Visa version on top of the MC that I already have?

TIA for you help.

FrequentMiler

Yes, that’s true that it’s considered a new product and eligible for a new signup bonus. You probably do need to either cancel your old card first, or apply for the Ink Plus instead, or apply with a different business if you have more than one.

Jaguar

Ok, thanks. Will apply for the plus version to be safe…

FrequentMiler

Rafael: That’s great!

Rafael

I did a lot of research before signing up for Ink Bold and it was worth it. Applied on 8/2, called the reconsideration line on 8/5, got approval and even got the 60,000 point bonus promotion that expired just by knowing about it. Consolidated my Southwest credit card into this account and set it up as the payment card for all internet and cable accounts. Received the Lounge Club card on 8/20. Made some purchases at Econoprint and Office Depot. Already met the spending requirement. Thanks for all the insight.

FrequentMiler

jared: Great!

jared

After a long wait I finally pulled the trigger for an Ink Plus (My credit history is barely 2-year old, other Chase cards I got are CSP, IHG and Freedom). Applied this past Sunday. Called reconsideration line two days later and was told that my application was reviewed and approved with 22k limit, thanks FM and everyone who contributed to this post!

FrequentMiler

Alfie: your experience is consistent with what I’ve heard from quite a few others. I’d recommend that you just wait until you get a decision. No need to call recon unless your app is denied.

Alfie

I forgot to mention that I applied for the Ink Plus card.

Alfie

Applied on Saturday, no instant approval, called Monday for reconsideration, only told that there was a large volume of applications and will get response in 2 – 4 weeks. Called again today and asked if I could get approved, even move around some credit line and was told the same thing. Anyone else? I called 1-800-453-9719

[…] How to sign up for the Ink Bold (or Ink Plus) […]

[…] first year.  This is a business card which means you should have a business need for the card.  Other BA bloggers cover how to handle the registration page for the card.  I wasn’t really thinking and listed […]

grace

I applied yesterday (~2 months after I signed up for the CSP) and called the recon line today. Turns out they had already auto approved me this morning. I have good credit and decent income from my day job and listed my business (my blog) as just generating a couple hundred a year.

FrequentMiler

grace: That’s great! Congratulations on getting approved for this great card!

[…] How to sign up for the Ink Bold (or Ink Plus) […]

Novaflyer

Thank you for this blog. I applied for the Ink Bold card a week ago and just called them. They asked a number of questions about the business and approved a 15K per month spend.

FrequentMiler

Novaflyer: Great! Congrats on getting approved.

sam

thank Frequent Miler. Using your instructions I applied on Wednesday 2/19/2013. Today Friday 2/22/13 I called the reconsideration line 800-453-9719. I told the guy that I applied for INK BOLD CARD and I wanted to know what the status is. He verified my full name, SS #, and mother maiden name then put me on hold. He came back within 2 minutes and explained about the flexible credit line and told me my application is approved and I will be receiving my card within 7 to 10 days. He didn’t ask any more questions. that was it.

FrequentMiler

sam: Great!

Christina

Totally worked! Can’t thank you enough for taking the time to give such thorough info.

[…] How to sign up for the Ink Bold (or Ink Plus) […]

FrequentMiler

hanly2: The Ink Bold or Ink Plus cards are certainly better for your cell, cable and gas spend. If you spend a lot at Amazon, consider getting also the Citi Forward card which gives 5X at bookstores.

ak: this is the first I’ve heard of that issue. Anyone else experience it?

ak

I recently applied for the Ink Bold card and got thru all of the questions as listed above, but then they asked if the business was a sole proprietorship or an LLC, etc. I said I was looking into that but the business wasn’t far along enough to incorporate. They said they literally couldn’t process my card set-up unless the business was registered with the state.

Has anyone else had this or dealt with it?

hanly2

I am looking for some advice. My current sw rr card is coming up for renew and I want to switch to a new card because sw doesn’t fly to Hawaii. I am trying to decide what card to get. I currently spend between 3-5k per month on my sw card. Using it for cell,cable, grocerys’ amazon and gas. Would it be OK for me to use the ink plus if I plan on using it for these things every month or should I get the sapphire? Was originally going to get the united plus but I think these are better offers ESP. Since I can’t get the 65k offer even with points in my account. Thanks for your help and great site.

[…] How to sign up for the Ink Bold (or Ink Plus) […]

senti20

Thank you for the info! Just got approved for the InkBold. Call went well, the lady was nice and asked me these questions:
– Tell us more about your business, type, what you do
– Is this a side business, do you have a full-time job?
– How long have you been in your job? Position?
– Type of income, confirm income from application.
– How do you accuire your clients?
– How much do you plan to spend on the card per month

I have a score 780+ and did not apply for a Chase card since 1 year ago. Hope this helps.

FrequentMiler

senti20: Congrats on the approval and thanks for listing the questions you were asked. I updated the post with most of these.

Picmeup

FM, this was a great set of instructions to apply for Ink Plus/Bold even if you don’t have a business. By following your instructions, I recently had success in getting an Ink Plus (I hope they didn’t downgrade me to Ink Classic, wil find out once I get the card). However, one thing which I feel can be of great use to everyone applying is the type of questions they ask when you call the reconsideration line. Here’s my experience on the call. Hopefully FM can include this / more in the original article for help to others.

This is the set of questions I remember (may not be in the same order for some, but most were in this order):

-> Getting the SSN to locate the info
-> — on hold while getting application —
-> Confirming the name of Business from application
-> Tell us something about the business, like how long it is up, revenue, etc.
-> More details about the exact business, what you intend to do, etc.
-> Questions about current employment – company, designation, tenure, etc.
-> Confirmation of annual income from application, source
-> When do you plan to start the business
-> What is revenue projection for next 1 year
-> Do you plan to do any marketing for the new business
-> Do you have any experience running a business in past
-> How do you plan to fund it – loan or personal money
-> What is your current net worth
-> — hold while reviewing the info —
-> — Came back with a recommendation of initial credit limit. Feel free to request for an increase (which I did with success) or offer to move credit from other cards (which I didn’t but others have).

FrequentMiler

Picmeup: Thanks! I’ll add something like this soon. I appreciate your input.

LMT

I don’t currently have a business nor do I have a job (full-time student). However, my spouse has a job through a home business; not applying though because of poor credit history. My credit score and history, on the other hand, is pretty strong.

What should I say when I call the reconsideration line?

Should this hinder me from applying and calling in the first base?

FrequentMiler

LMT: I wouldn’t recommend signing up unless you can come up with something to truthfully say is your own business. As I wrote in the post, it can be as simple as the intention to sell things on ebay. If you do sign up and call, be truthful and say that your business has no income yet

[…] How to sign up for the Ink Bold (or Ink Plus) […]

FrequentMiler

Trumpet: no, I don’t think there is a Visa version of Ink

MM: I believe that AP is fine with Ink

MM

FM – I applied for Ink Bold thru your link and just received the card. I understand using Amazon payments with Amx prepaid or BB is the best case scenario. However, in order to meet the 10k min spend but not being able to find vanilla (or in my case, having to be conservative with vanilla OD purchases) are you aware of issues using Ink cards directly for AP?
I read that some had issues with Amx Plt or PRG, any other cards with known issues using AP?

Trumpet

Applied and had to call in twice to get Ink Classic (first phone call was no good). Does Chase offer Ink Classic Visa? I have the MasterCard version and MasterCard Business Savings sucks. Visa on the otherhand some useful savings (1% for Chevron and 2% for Tigerdirect).

dean

Thanks, signed-up. Had to call in to provide additional information, had to have been the toughest ever to get thus far. Though I have cancelled 2 Chase cards recently and obtained the Sapphire as well, I’m sure that didn’t help everything 😀

FrequentMiler

dean: Glad to hear that you pushed through and got approved!

[…] How to sign up for the Ink Bold (or Ink Plus) […]

dean

so i tried to signup via your link, when i submitted said “Offer Unavailable”. when I called to sign-up, they said I could only sign-up w/ an offer code.

did something change for the Ink Bold????

FrequentMiler

dean: Thanks for alerting me to this! I had forgotten to update those links when Chase changed them recently. They are now fixed.

[…] How to sign up for the Ink Bold […]

Jared

Thank you, ya I think I will wait til next Summer, if they still offer good stuff 🙂

Frequent Miler

Jared: I think you’d be wise to hold off for a while.

Jared

Hi FrequentMiler,
My age of credit is merely 1yr 3mo. Being with Chase for about 1yr and two CC. I always pay my CC on-time and in-full and Chase raised my credit line of one of the cards (Priority Club) for about 60% earlier this year. Do you think I have any chance to get approved on Ink? My only concern is the age of my credit, also there’ve been too many (10 times) hard-pull on my credit history I don’t want to risk one more and get rejected.

Thanks,

jared

Sweeney

Thank you for this info – it was very helpful to me as I just qualified for InkBold after calling the reconsideration line. Now I wait for the Ink Bold and Bluebird to come in the mail. I really enjoyed your talk at the Chicago Seminars! Keep up the good work!

FrequentMiler

Thanks! Glad you go approved!

chris

FM: Thank you!
I guess i have to swallow the 1.89% fee today since it is a deadline for my 2011 tax payment.

Frequent Miler

Chris: this post might help. Read how to use multiple $500 visas for one payment: https://frequentmiler.com/2012/09/10/how-to-earn-5-points-per-dollar-paying-taxes/

Frequent Miler

Chris: there’s a difference between charge cards and debit cards. Debit cards can be used for cheap tax payments. The Ink Bold is not a debit card. It is a charge card and is used just like a credit card except that the entire balance must be paid off each month. So,, to use the Ink to pay taxes you will have to select ‘credit’ and pay the higher fee

chris

Hmm..i thought i read somewhere if you pay using ink bold, you can get the 3.95 fee. Maybe i misunderstood.

Do you know where i can get a debit card (gift card) for more than $500?

chris

I am trying to pay my 1040 tax today using ink bold. It doesnt seem it is recognized as debit/charged card, so it is being charged 1.89% vs $3.95 as i read it here somewhere.
Am i doing the right steps?

Justin

Thanks for the info. I need to get the Southwest Plus Business first so the Ink will have to wait.

Justin

Frequentmiller,

Has there ever been a publicly available bonus offer for the Ink cards that is better than 25K 1st purchase and 25k after 10k spend? I’m wondering if I should apply now or wait until a better offer comes along.

Also, regarding that questions that Chase asks about your business, have you ever heard of them asking for a business checking statement or some other documentation beyond a utility bill?

Thanks.

FrequentMiler

Justin: Yes, the Ink Bold offer used to be better, but I don’t expect the public offer to change again (at least, not in a positive way). Some people have received targeted offers that required less spend, but I’ve never seen that myself. No, I’ve never heard of Chase asking for a business checking statement or anything like that.

[…] How to sign up for the Ink Bold […]

newbie008

hi frequentmiler

Thanks for your reply! Yes finally, I got the courage to apply for the ink plus (using your affiliate link) and when I called today I was told that my application is approved! Now I need to follow your steps to at least spend $10k in 3 months. This is a pretty tough ask for me but hopefully I can do it! Thanks again!

FrequentMiler

newbie008: Congratulations on the approval!

FrequentMiler

newbie008: Yes, the ideas presented here would work with the Ink Plus. The Ink Plus link on my Best Credit Card Offers page is an affiliate link. Thanks for considering using it!

newbie008

Hi

Thanks for your wonderful article on getting 90000 points, its impressive and tempting. But I just saw on chase page that there is similar offer of 50000 points for chase ink plus card with 5x points for office supplies. Do you think that the same steps for ink bold can be applied to ink plus to get 90000 points. The only benefit for which I want the ink plus is, right now they have 0% APR for 6 months, and I think I may need that 0% APR offer. Can you please help me with this question? Do you have any affiliate link for ink plus? Thank you very much and appreciate all you do here!

Josinei

wow.. i followed all steps above and got application pending: Called next business day to the phone number above. I was asked about what kind of business i am have, how much i make and also asked a couple questions about why do i have a Credit card from Burckays (US Airways mastercard) with BALANCE ALMOST TO THE LIMIT, I explained that they offered me 18 months with no interesting so i was taking advantage of it lol
He said, oh ok I understand. Then his last question was: How much credit limit I wanted on it and afraid I could be denied, I said only 5K, he replied, then you got your 5K and you are all set lol
hehehe another card for my collection, hope I can reach the 10K minimum for the full bonus 🙂

FrequentMiler

Josinei: Congratulations on the approval!

Nick

Followed the process you detailed above and was eventually successful! First call to the reconsideration line resulted in no-go as I had no business history. Agent was adamant that I needed some kind of business revenue history to approve the card. Called again the next day and spoke with a different (and more cheery!) agent and upfront offered to move some of my personal Chase credit line over. Card approved after moving across 6k from Marriott card. Thanks!

FrequentMiler

Nick: That’s great! Congrats!

Jer

I’m not in a huge rush, I can wait a few days to see. I also applied for a Hyatt card, and will be calling the reconsideration line tomorrow.

I used your link for the Bold, but you (and no one else) has the Hyatt w/ the $75 statement credit, otherwise I would have gladly used your referral link…

Thank you!

Jer

I called in and the rep ‘recommended approval’ before submitting it to their Chase internal processes to be processed. Is this normal procedure? or do some people get the rep to give them the actual approval and not the ‘recommended approval’?

The rep said that he recommended reducing my Chase SW card by $8500 with a limit of $7500 on the Bold… normal?

thanks in advance!

FrequentMiler

Jer: Normally I get approved directly. You could call again and ask for immediate approval if you don’t want to wait for a letter. Yes, it’s common for them to move credit around rather than extend new credit.

[…] How to sign up for the Ink Bold […]

Will

I haven’t seen my problem talked about here, but I’ve been told by Chase that my Ink Bold card does not get 5x on office purchases. I got this card last November and received 50,000 pts after a $5,000 spend. The secure message makes a distinction between my account and an Ink Bold 521 account and suggests I apply for the 521 account.

Suggestions?

FrequentMiler

Will: This is actually a great problem to have. In mid-November of 2011, Chase changed the Ink Bold to the new one that offers 5X for office supplies, telephone, etc. It is true that the previous one did not have that benefit. Here’s the great part: the new one is considered a new product so you can apply for the new one and get a new sign-up bonus! I did this myself a couple of months ago. If you don’t want two cards, make sure to move the UR points out of your Ink account first then after applying for the new card call the business recon line. If they seem hesitant about giving you the card, ask them if they can move the credit from the Ink Old to the new one and cancel the old one.

Frequent Miler

Edward: it might be a bit suspicious. You can call them and tell them you are planning some large office supply purchases. That should help.

Edward

Dear FM,
I call again today, and he just ask some basic information and approved. I was quite surprised that it goes so easy. However, I was little worried about the meeting requirement of sign-up bonus, since I told chase monthly spend on this card is 500-600 and the credit limit is 5000. Will it be suspicious if I spend 10k in 3 months for the card and most of them are the prepaid card in office depot. Thanks for your help.
Best

Edward

Thanks FM,
I will try it. I do have two chase cards, though she mention the business card is different from person card in my first call.

Edward

Hi, FM
Thanks for your post. I am interesting in this card. However, my application was denied since I just had two-year credit history, while they asked for at least four years. Do you have any advice? Thank you.

FrequentMiler

Edward: Do you have any other Chase cards? If so, call the reconsideration line and ask them if they can move some of your credit from the other card to this one. As long as they don’t have to extend you any new credit, they are likely to approve. Even if you don’t have another Chase card it’s worth calling several times to see if you get a different answer from a different person. It’s surprisingly common for that to happen.

jackiem

3rd try … they said its pending … lol

jackiem

Ok got my response from chase:

“The 50,000 bonus points offer was made through a small
direct mail test and is non-transferable. The Offer Code
and Invitation Number included in the mailing can only be
applied to the recipient?s account. If you are not listed
as the addressee of the mailing, we will be unable to
apply the offer to your account.”

🙁 wow… now what can i do?! .. i will not be able to make the 10k in 93 days!

FrequentMiler

jackiem: First, remember that with the offer you have, you’ll get a 25K bonus automatically. That’s pretty good by itself! Second, I’d recommend that you try again. Each time you’re likely to get someone else and hopefully you’ll get someone who gives you the $5K spend offer. Try calling and if that doesn’t work, try a private message again.

[…] How to sign up for the Ink Bold […]

jackiem

Just got my 7k limit card and as I was activating I requested to be put on the 5k/90 days for 50k promo, he said he will fill in an application on his end for approval …and I should hear within 7bus days… 🙂 …

FrequentMiler

jackiem: Great! Let us know if/when you’re approved

FrequentMiler

jackiem: Let me know if the pm approach works!

EasyD: Congrats!

EasyD

Thanks for the info ,FM! A quick call to the recon number, they asked a few questions about sales/profits and my full time job, and approved!

jackiem

Thanks FM for the advice. I will do what I can …I don’t want to risk raking up 10k …I! Will try for 5k and pm them … in meantime I’m doing my to do list…lol so I can take advantage at these opportunities before the go away… in the meantime while I waif for my card to arrive..started messing around with freedom ..purchase sephora $100
for 20/$ and planning to buy some gift cards at stopNshop since its movies/groceroies this quarter 🙂 ..and trying to plan ahead.

FrequentMiler

DreamingOfPoints: no need to wait a few days. Just call during business hours and hope to get someone nicer 🙂

DreamingOfPoints

I have a good credit score (instant approved for CSP), I pay all my bills in time…I will call back again but is there anything else I could say to them? Should I wait a few days as per your Step 9 instructions? Or should I call back repeatedly to “try my luck”?

The person did not sound hesitant at all, I didn’t even get a chance to describe my business or offer to trade credit. After they looked at my account for a minute, I basically got a strong “no.”

DreamingOfPoints

I applied for this card recently after MUCH research and even going to my Office Depot to make sure I could buy prepaid cards with credit card.
I called and the chase person told me multiple problems, one is that my history is too low (I am in my early 20s and opened in 2007) and he said something around the lines of I only had 5 credit lines (a couple of which are closed), I just got a personal chase card last year, and I have no business credit. There were probably other stuff but I was too busy freaking out and trying to think of what I could possibly say to get re-considered.

I just stumbled upon travel blogs recently but am getting REALLY into obtaining points (without flat-out paying for them) so I want this card. What can I do when/if I call back again (without having to wait a few years)?

FrequentMiler

DreamingOfPoints: Definitely call back — it can’t hurt. I know several people who were denied by the first rep only to be approved by the second. If they sound hesitant, offer to trade credit line from some of your other Chase cards (assuming you have any?).

EasyD

I was just recently approved for another Chase card, making my total 2. I’d like to get an Ink Bold, in order to take advantage of the 5X on office supplies… Think its too soon to apply if my last Chase personal card was in March? That card was instantly approved, with a 4.9K CL…

FrequentMiler

EasyD: It’s definitely the case that many people get the Ink right after getting a personal card, but I don’t know enough about your situation to make a guess as to whether you would get approved. If you do apply, just make sure to call the reconsideration line afterwards (unless you are instantly approved). Good luck!

jackiem

Thanks for the tip …. also noob questions… I don’t know how to start this process once I get the card…I don’t have to much money to really start with and so don’t know what’s my best option …I started calling a few of my other credit cards figuring I can pay my bill with ink bold, figuring I’m do have $ to cover those expenses.. bit not sure if that’s worth doing for pts i mean, Im just worried of racking up ink card and then not having $$ to pay of at end of billing cycle them redeem pets at end of every month??… how much do u think I should initially invest into this? And any ideas how to get ball rolling … maybe start with AP..and buy like $500 in prepaid ex?? ..
Grrr I’m so lost …lol ….help … please email me if its easier … 🙂 …thanks in advance

FrequentMiler

jackiem: Truthfully, if you don’t have much money to cover extra expenses, then I wouldn’t try to do $10K in 3 months if I were you. Sure there are tricks for increasing spend, but most have risks that you probably shouldn’t take on. Instead, if you sign up for the Bold, you’ll get 25K points after first purchase. That’s pretty good! Then, you can get the prepaid card and use that for usual monthly expenses. Yes, you can bump those up a bit with AP. Increase your spending gradually over time to ensure you can cover your expenses. Pay your phone and cable bills with the Ink Bold directly. Even $1000 a month spent on the Ink through the Prepaid card trick will lead to tons of points! If, you are sure you can rack up $5K in 3 months, then send Chase a secure message (after you get the Ink) to ask them if you can be switched to the offer that gives 50K points after 3 months. There’s no certainty that they’ll do it, but it can’t hurt to ask. Also note that it would harm you to do it if you don’t spend $5K because that deal does not award points upon first purchase.

jackiem

Hi, just applied and approved for InkBOLD ..YAY .. but for $3000 🙁 (thanks for the recon line #) soooo I want to know more about racking up the 5k ..using amazon payments.. I signed up for it but not sure what to do next ..

FrequentMiler

jackiem: Here is how Amazon Payments is supposed to work: If you need to pay back a friend or relative for something (say they paid for a trip and you owe them half, for example), then Amazon payments is a great way to pay them and use your credit card. Once they’re signed up with Amazon payments, they will get an email saying they have received a payment from you. Then, they can log in and withdraw the money immediately to their bank account. You can probably figure out from this description what many people do to increase credit card spend (up to $1000 per month). One caution: don’t pay each other back and forth through Amazon payments. They’ll catch that.

grandpa

Forgot to mention that I reside in California.

FrequentMiler

grandpa: Million Mile Secrets has a good post about using credit cards to pay taxes: http://millionmilesecrets.com/2011/12/27/taxes/. Note that this would be treated as a credit card, not a debit card.

grandpa

How do you pay estimated taxes with gift card as per your #18-5? Thank You.

grandpa

how do you pay estimated taxes with gift cards on your #18-5? Thanks

Andy

Thank you sooooooo much! And pls share your experience with PayDivvy, if available.

Andy

Hey, could you share your experience on how to spend $5000, even $10,000 in three months? I know one way is AP, but it is $1000/month, not enough..

FrequentMiler

Andy: Sure, here are some ideas:
1. Amazon Payments (as you said): If you get your Ink card mid-month, you can eek out 4 Amazon payments in the 90 days.
2. Send private message to Chase asking to be matched to the 50K after $5K spend offer. Only do this if you’re 100% sure you can spend $5K because that offer doesn’t give 25K points after first purchase.
3. Do Staples free after rebates as they come up. The last few weeks we haven’t seen any, but before that we saw about $1000 per month of opportunities. The hard thing is that the checks don’t usually arrive in time to pay your credit card bill so you would need some buffer to account for that.
4. Pay your rent with William Paid, or pay your mortgage with Charge Smart
5. Pay estimated taxes with your credit card (better: buy two $500 Visa gift cards at Office Depot for 5X with the Ink Bold, and use them to pay estimated taxes)
6. I’m experimenting with paying others with PayDivvy. It’s like Amazon Payments, but with a credit card fee. It might be worth the fee to get to the $10K spend requirmement.

Grateful Guy

I applied for it last night, hoping to get in before the bonus goes away – SCORE. Called recon line today, walked through the app; I explained why I wanted it and why I have 2 of their other cards in the past 6 months (SW card in October, Sapphire in March). Wasn’t an issue with them at all, pretty jacked up lines as well across the board. Should have my new card in 10 days. THANK YOU, your steps and advice worked, plus in all frankness this is the card I needed to keep my biz and personal separate (though those lines blur). This is going to change my June app-o-rama plans somewhat but at least I’ll get the benes before the deadline change.

FrequentMiler

Grateful Guy: Glad to hear that it worked — Congratulations!

MPer

Nice info ArizonaGuy regarding EIN in minutes..now that would be an interesting blog post..although I have signed up for several ‘biz’ cards without one, I think that would be a good blog entry that hasn’t been re-done everywhere.

[…] How to sign up for the Ink Bold […]

[…] really exists and am willing to give up some of my credit line from another card, I should be fine. The Frequent Miler has a walkthrough of how to apply for a business card in a situation like […]

Ryan from MA

Hey bro, i def want to use your link for my girlfriend. She got a Chase Sapphire more than 30 days ago. I want to get her the Chase Ink and Chase Freedom. What do you think? Better to wait?….

ArizonaGuy

@Tim – mostly it’s the CARD Act protections that don’t apply to business cards. Things like two-cycle billing, unilateral APR adjustments, limited notice, selective payment allocation, universal default and other things not permitted on a personal card are still fair game on a business card.

Also note that the Ink Bold is not a credit card but rather a charge card. You can’t carry a balance month to month (not that you ever should anyhow).

Tim

I’ve read numerous places that business credit cards don’t carry the same consumer protections as personal cards, but what specific protections are different? Liability for unauthorized charges? Chargebacks?

P.S. I’ve applied for one Chase business card as a soul proprietor and was declined. A man on the reconsideration line told me “Chase doesn’t do reconsideration for business cards.” Looks like I’ll be trying harder next time 🙂

ArizonaGuy

Even if you don’t have an LLC or S-Corp, you can get an EIN as a sole proprietorship within minutes online via the IRS. That adds legitimacy too.

mommypoints

@caveman, don’t be too scared off by my experience. The only real difference between mine and this one was that I had to give up a chunk of personal credit to get approved. However, a few months later, I applied for another Chase personal card and got pretty much all of that credit back. In fact, I just applied for the “New” Ink Bold yesterday. I’m hoping my approval is a bit easier this time, but we’ll see. 😉

Grant Thomas

I called up the number, told the rep about my ebay business, mentioned that I had a full time job as well, and he approved me for $3,500 line of credit. He informed me that this is a “pay in full” business card and that I would not be able to carry a balance. Thx FM for the recommendations now bring on the 5X points!

caveman

I have never tried chase business but was really scared by mommypoints experience. Personally I had a very bad experience with Citibusiness card as they wanted complete details of my business with copies of invoices and tax returns and blah blah and for the last two years of course. However your post is quite reassuring and I might try one more time.

PapaSmurf

How can you tell whether you have the new or the old Ink Bold? I applied in December and I’m not sure if I’d still qualify for the new one.

FrequentMiler

PapaSmurf: They changed over from the old to the new in November so you probably have the new. If you get 5X for any categories, then you have the new. You can always call Chase or send them a private message to ask if you’re not sure.

sil

I have tried with Citi biz and was denied due to not enough time in biz with 1 1/2 year so for Chase Ink , I inputed 2 years and never had problem with length of biz

Karlyn

Somehow my dad keeps getting pre-approval mailings for the Ink Bold, with 0% fees & interest on balance transfers till July 2013. His credit isn’t that great, so why would Chase pre-approve him if they rarely do instant approvals online?