This is the return of the most exciting offer from last year

Last year Chase increased the bonus on their Ink small business card products for one week only (‘Small Business Week’), with the best signup offer I had seen for the cards.

It turned out to be the most popular offer among readers of this blog for the entire year.

Already they have one of the most attractive bonuses for one of the most attractive sets of cards in the market, and if you don’t already have them now’s the time to act.

Offer expired

Both Ink Plus (credit card) and Ink Bold (charge card) are offering 60,000 bonus points after $5,000 in spend during the first 3 months from account opening.

That’s an extra 10,000 points on top of the previous offer, for a limited time.

These are the cards that offer 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services. They have no foreign transaction fees.

In addition, Ink Cash also has an increased bonus of $300 after you spend $3000 on the card within 3 months of account opening.

Here are the offers this week only that I’ve just received detail on:

Ink Plus® Business Credit Card

  • Chase celebrates small businesses with a special bonus offer!
  • For a limited time, earn 60,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards.
  • With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full.
  • Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel.
  • No foreign transaction fees.
  • 1:1 point transfer to participating travel programs with no transfer fees.
  • Free Employee Cards.

    Ink Bold® Business Charge Card

  • Chase celebrates small businesses with a special bonus offer!
  • For a limited time, earn 60,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards.
  • No interest charges because it’s a pay in full charge card.
  • Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • Direct access to a live service advisor anytime.
  • Free Employee Cards.

    Ink Cash® Business Credit Card

  • Chase celebrates small businesses with a special bonus offer!
  • For a limited time, earn $300 bonus cash back after you spend $3,000 in 3 months from account opening.
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
  • 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • No annual fee.
  • With Ink Bold and Ink Plus, points transfer one-to-one into:

    • Airlines: United Airlines, British Airways, Korean Air, Virgin Atlantic, Southwest Airlines
    • Hotels: Hyatt, Marriott, Ritz-Carlton, IHG Rewards Club (
    • Ground: Amtrak

    Ink Cash points can be redeemed for cash.. or if you have Ink Bold, Ink Plus, or Sapphire Preferred also you can transfer the points into one of those cards and onward into miles or points.

    Just How Good an Offer?

    I consider Ink Bold and Ink Plus to be two of the best cards in the market.

    Here they are increasing the bonuses on each of these cards by 20% without increasing the spending requirement. An extra 10,000 points in the case of Ink Plus and Ink Bold is real value.

    Which of These Cards is Right for You?

    If you’re wondering whether a small business card makes sense for you, read Why You Should Add a Small Business Card to Your Wallet.

    Between Ink Bold and Ink Plus, neither is really ‘better’ than the other since they’re nearly identical cards with Ink Bold being a charge card (must pay off in full each month) and Ink Plus being a credit card (should pay off in full each month).

    I’ve also argued that the Ink Cash card is a good business companion to the Sapphire Preferred Card. Having the Sapphire Preferred lets you leverage your Ink Cash points into the Sapphire Preferred account to become transferable to miles and points.

    To preempt a question: I do not have the end date for this offer. This is only the second time I have seen this offered, and last time it was available for one week only. If this card is something you would consider, don’t wait.

    (Note that cards in this post offer credit to me if you’re approved using my links. The opinions, analyses, and evaluations here are mine. The content is not provided or commissioned by American Express, by Chase, by Citibank, US Bank, Bank of America, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.)


    1. Steve said,

      Gary, it’s great that you post news of great credit card offers, including additional information about the cards being offered. Given your audience, I’d think that many folks would welcome your letting them know whether, to your knowledge, people can get the bonuses a second time around…and if so, under what conditions. In the post, you do say “if you don’t already have them now’s the time to act,” which is useful. But it would be even more useful if you indicated whether people who had and canceled a given card in the past, and got the sign-up/initial spending bonus at that time, can get the bonus a second time around. And if so, what period of time must we wait before reapplying? Of course, you’re already being helpful, so if this is beyond what you know or feel like delving into, that’s understandable.

      But as long as I’m raising the subject, do you know how these questions apply to these specific Chase business cards?

    2. milehoarder said,

      My app was declined 6 weeks back citing too many Chase Personal Cards opened up recently and my Business being “too new”. I have got 5 personal cards from Chase in 18 months. Do you suggest applying again?

    3. Rob said,

      Has anyone been instantly approved for these cards?

    4. Shaun said,

      Quick question, I just got the INK BOLD last month w/ the 50k point offer. Do you know if people have had luck calling in this situation and getting them to increase the initial bonus offer? I’ve hit the $5k in spend but my statement won’t close for a few weeks. Thanks

    5. Gary said,

      In my experience you can get the same card for different business entities (different tax ID numbers), although some readers haven’t been successful with that. It makes sense to have a separate card for each business.

      You can also get the Ink Plus or Ink Bold if you haven’t already had the other. You might want to move to a product with a revolving credit line, or you might prefer the discipline of having to pay in full each month on a charge card.

      And you can get the Ink Bold if you had it earlier as an older product (before they introduced 5x around Novmber 2011). Generally Chase will welcome you back when they consider a product new and different.

      But I wouldn’t recommend getting the same card again that you’ve already had for the same entity. Not saying there hasn’t even been anyone successful, just that I would not count on it.

    6. David said,

      “This is the return of the most exciting offer from last year”

      really?

      the most exciting offer from last year? its 10k more than usual. The 100k AA exec card (which is also churnable) might qualify for such hyperbole.

    7. Michael H said,

      I have the Ink Bold. Am I eligible to apply for and get the bonus with the Ink Plus?

    8. Nathan said,

      I applied for a got the Ink bold 3 weeks ago with the 50,000 offer. I sent a secure message to Chase and received a response within 20 minutes that said they would honor the 60,000 point offer as long as met the minimum spend requirements.

      So if you got this card recently send Chase a secure message and they may extend the offer to you.

    9. Gary said,

      @David this is the offer that readers clicked on most, it generated the most response, more than the 100k Amex offer did. I went back to check when I wrote this.

      @Nathan congratulations!

      @Michael H – see my comment #5 above

    10. Michael H said,

      @Gary, it may be the jetlag but I was confused by #5 specifically “You can also get the Ink Plus or Ink Bold if you haven’t already had the other. You might want to move to a product with a revolving credit line, or you might prefer the discipline of having to pay in full each month on a charge card.”

      To me, the first sentence makes it sound like I can get the Plus only if I haven’t had the Bold. The second sentence appears to contradict that.

    11. Gary said,

      “also get” meant to suggest “in addition to” sorry if i was confusing indeed i am jetlagged as well!

    12. Steve said,

      It’s a little embarrassing how this and other blogs are using the Kardashian route of sensationalism to make money. ACT QUICKLY! NOW is the time…! These are incrementally good, but hardly amazing offers.

    13. heather said,

      I currently have the Ink Bold and my husband has the Ink Plus and previously had the Ink Bold. They are all Mastercards. My question is, should I apply for the Ink Bold since it is now a Visa and would my husband be eligible for either card since he has had both, but only as Mastercards?

    14. Pizza In Motion – Chase Ink Sign-Up Bonus Increase, AA to Johannesburg, $5 Trip To Chicago. Things I Find Interesting On Thursday, May 1st, 2014 said,

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    15. Chris said,

      @Gary

      I would venture that the reason why the Chase offer was clicked more than the 100k Citi offer is because the Chase offer is mentioned many times more than the 100k Citi AA offer.

      What’s better? 100 Citi AA card from the airline you “still trust” or 60k crappy UA miles / 60k Hyatt points?

      If this this is the MOST exciting offer of the year then the Chase Hyatt is also the MOST exciting offer of the year since the bonus offer is essentially the same. One can take the Chase Ink bonus and use the 60k to spend 2 nights at a Park Hyatt at 30k each night which can also be done with the Chase Hyatt card.

      Oh, I forgot. The Chase Hyatt does not pay. Yes, I give you points for mentioning it. Your other blogger colleagues (especially at BA) conveniently forget about that card.

    16. Ryan U said,

      I got the ink bold last year during the small business week promotion, and I just got instantly approved for$ 24K on the ink plus through your link. I went under sole proprietor with a $1,500 annual business profit. Now I think I’ll cancel my ink bold before the annual fee hits.

    17. Rob said,

      “I would venture that the reason why the Chase offer was clicked more than the 100k Citi offer is because the Chase offer is mentioned many times more than the 100k Citi AA offer”

      Precisely. If he talked about the AA card as often as he talked about the CSP/CIB/CIP, and the CSP/CIB/CIP as often as he talked about the AA, guess which topics would be the most buzzed about by his readers?

      And he’s one of the better ones when it comes to talking about the AA card. Which says more about the other bloggers than it does about him. Expect neverending chase posts until this offer is gone, and consider yourself lucky if you get more than 1 or 2 AA posts

    18. Steve said,

      Gary, thanks for the additional info you provided in your comments. Much appreciated.

      I hadn’t realized that these cards are now Visa rather than Mastercards. But given that that’s the case, I have the same question as Heather:

      “My question is, should I apply for the Ink Bold since it is now a Visa and would my husband be eligible for either card since he has had both, but only as Mastercards?”

    19. Flyer said,

      is this visa or MC?

    20. FlyingBear said,

      I think Chris is on purpose ignoring how Gary calculated “most exciting”.

    21. sil said,

      which is easier for instant approval, bold or ink plus. had bold but cancelled a year ago. had ink plus and cancelled several months ago – both MC version

    22. Charlie said,

      55 minutes to be approved via business reconsideration line. 35 minutes on hold and 20 with an agent. Needed to discuss business operations, etc. When asked why I needed 13 credit cards in the past 12 months I told him I spend a lot on business expenses and like the big bonus point offers!

      Approved for Ink Bold Visa. Previously had old ink bold mc, new ink bold mc, ink plus mc. All 3 now closed.

      Reasons why this is probably a more popular offer than the 100K AA: Lower spend requirement and no fee for the first year.

    23. Gary said,

      @sil to the extent there’s a difference i would imagine bold might be easier approval with no revolving credit line

    24. Gary said,

      @Flyer Visa — Chase appears to be going (nearly?) all Visa in fact.

    25. Gary said,

      Actually the Citi 100k offer was in 2014, not in 2013. And it’s been written about on this blog many more times than I wrote about the Ink 60k offers last year. I cannot speak to ‘click stats’ from any other blog.

    26. bschwartz said,

      How long will this offer will be available for? I would prefer to hold off for a month when I’ll be moving my business across the country. Just wondering if I should jump on this now.

    27. bschwartz said,

      Nevermind. I actually read the first paragraph….

    28. Steve said,

      Gary’s comment was that this was the “most exciting offer from last year,” not this year, and he was defining “exciting” based on how many people clicked through on his links, not based on his opinion or even some calculus of value of those points (arguably, an Amex 100k Plat offer from 2013 would seem more valuable – except that it costs more to have the card). Now, perhaps that number of clicks is biased by how many times it was advertised. Nevertheless, the nits being picked are a bit off.

    29. Credit Card Joint said,

      This comes in perfect time with the Staples $200 gift cards.

    30. Joe said,

      @ Gary – can you confirm that Ultimate Rewards points from my personal (Sapphire) and business card (Bold / Plus) accounts can be transferred to each other or combined? Thanks!

    31. Mike said,

      @ Joe, the points can indeed be transferred across those accounts. That also made it a lot easier for me to cancel the Ink cards since I could transfer the UR points to my Sapphire instead of having to spend or lose them.

    32. Gary said,

      @joe yes they can

    33. Candice said,

      Just wanted to add a data point – I applied for this card today, got a “please call us” message, then was denied for opening too many accounts with Chase and other banks in the last year. They also said my small business’ revenue wasn’t enough to qualify (about $500 for the year – I do some costuming for local theaters). I mentioned moving credit from other Chase accounts; they weren’t interested. I got the Freedom in November, the Hyatt card in February, and the IHG in March. I already have the Ink Bold (about 9 months).

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