Act fast to earn 120,000 or more Ultimate Rewards points

Several things are going on at once that make it possible to rack up huge numbers of Ultimate Rewards points.  The catch is that you have to own a business and grab these deals while they’re available.  Here are the details:

  • Chase is phasing out the Ink Bold charge card.  At the time of this writing, Chase is still offering 50,000 points after $5K spend for new applicants.  This offer ends November 16th can end any moment, so if you’re interested you’ll have to act fast.  Please find the latest information about Chase Ink best signup offers here.
  • As I reported in July, Chase has been offering 70,000 points after $5K spend for their Ink Plus credit card both in-branch and through targeted offers ($95 annual fee not waived).  Now, there are two more ways to get this offer.  It is now available online, and through friend referrals until October 10th.
  • A third option for earning points is to refer friends.  If you already have the Ink Plus card, go to this site to see if you have been selected to earn 10,000 points for each business owner you refer by 10/10/2014.  Maximum earnings allowed: 50,000 points.  If you would like the opportunity to refer others, feel free to recruit people via the comments below.  Hat Tip: Mommy Points.


Ink Plus / Ink Bold, what’s the difference?

The Ink Plus and Ink Bold cards are virtually identical in every way. Both earn Ultimate Rewards points.  Both have the same 5X and 2X category bonuses (5X office supplies, cellular/landline/ cable; 2X gas and hotels), the same $95 annual fee, the same 2 free Lounge Club visits per year, the same ability to use points to purchase travel at 1.25 cents per point, and the same ability to transfer points to airline, hotel, and train partners.  With both cards, the bonus categories are capped at $50K spend per cardholder year (not calendar year).  The only difference between the cards is that the Ink Plus is a credit card (in which the balance can be paid off over time), and the Ink Bold is a charge card (the balance must be paid in full monthly).  Oh, and the cards are each a different shade of blue.  If your card is a wee bit purplish, it is the Ink Bold, whereas the Ink Plus is more of a pure blue to my eyes.

Multiple Ink cards

There are several ways to signup for multiple Ink cards and to get the bonus on each one.  Here are the rules as I believe them to be based on my experience:

  • A person can have, and get the signup bonus, for each variant of Ink: Ink Plus, Ink Bold, Ink Cash, and (previously available) Ink Classic.  So, for example, someone starting now could get three signup bonuses: one for each available card variant.
  • A person with multiple businesses can have, and get the signup bonus, for each business and each card type.  For example, a person with two businesses could signup for two of each type of card: Ink Plus for business 1, Ink Plus for business 2, Ink Bold business 1, Ink Bold business 2, Ink Cash business 1, Ink Cash business 2.
  • A person can have, and get the signup bonus, for each generation of Ink.  So, a person with an Ink Plus MasterCard, for example, could now signup for the Ink Plus Visa.  This is key because Chase now issues all new Ink cards as Visa cards.  So, if you have an Ink Plus MasterCard, for example, you can sign up now for an Ink Plus card and get the bonus again since it is now a different product: a visa card.

Getting Approved

Many have reported that Chase has become increasingly stingy with Chase Ink approvals.  My understanding, based on reader anecdotes, is that they will be more likely to approve you if:

  1. You have a well established business.  A business that was just opened a few months ago is less likely to be approved.
  2. Your business makes money.
  3. You do not already have too many Chase cards.  I have no idea how many is too many.

For details about applying for Chase Ink cards, please see “How to sign up for Chase Ink cards.”

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »


  1. I would be happy to refer anyone as well. My email is kayvee2600 at gmail dot com. Please email me your first and last name and email if interested.

  2. Hi, My husband and I each have 5 referrals to offer.. Please ping us at sas0701 at gmail dot com with your full name and email address.

  3. Hello I can refer up to 5 people Email is plumdodge at earthlink dot net. Please email me your first and last name and email if interested.


  4. So, my wife and I have a business where we both had the old Ink Bold MC. Then we both got the Ink Plus in exchange so we \could\ carry a balance (got new bonuses too). She then got the Ink VISA with new bonus.

    I gave up my Ink Plus but had a second business where I got the Ink Bold VISA (bonus again). Then a couple of months ago I was going to swap that one for a new Ink Plus but they just gave me the Ink Plus (and bonus) and never mentioned the Ink Bold (but they let me convert it to an Ink Plus so I could get my VISA Savings Edge) landing me with 2 Ink Plus cards for business #2.

    I was not planning on getting a new card as I went through a cycle only 2 months ago getting 4 new cards, including a Chase personal one – and to make matters worse (or better, depending on what I am trying to achieve here) earlier this month I jumped on a 100,000 MR point AMEX Platinum (for my first business) and was approved!

    Now what should I do?

    I have a great relationship with Chase (Business and Personal checking for many years, tons of their cards) … I think I may be pushing this to apply for an Ink again for Business #1 (I closed the MC version in February). I have made my minimum spending on all my cards so I have capacity for a new $5000 spend requirement, but I think Chase will give me a lot of uphill on another new Ink.

    Anyway, my gut feeling is that I should go for the Ink Bold now rather than the Plus as I could always convert it later while it sounds like the Bold may be gone soon.

    My concern is not only all the Chase cards I have but particularly the newest AMEX which I have had for only 2 weeks or so for the same business!

    Any thoughts?

    • This is a really tough question. You may or may not get approved, depending upon your business situation, credit score, etc. The question for you is how much it is worth it to get the Ink Bold bonus now before it is gone for good, or to get the 70K Ink Plus bonus now before that offer ends? Is it worth the worry and the hard credit pull, and a likely very long reconsideration phone call? If so, pick one and go for it. Otherwise, relax. There will always be more deals to go after.

  5. I have five referrals for the 70K offer available. Email me at cushingmd @ gmail dot com Full name and email. I will submit your referral promptly and we both profit!

  6. My husband and I have 10 referrals available as well. Please email me at eminakwok at gmail dot com with your full name and email address. Thanks in advance!

  7. I would be happy to refer anyone as well. My email is watrous dot michael at gmail dot com. Please email me your first and last name and email if interested.

  8. Chase loves me and I hope they love you too! 10 referrals at my disposal. email me at stuartnospam at yahoo and I will hook you up with the referral faster than Chase can say \Thank You\

  9. Ok, my mistake you must add the underscore between stuart and nospam.see below…. 🙂

    Chase loves me and I hope they love you too! 10 referrals at my disposal. email me at stuart_nospam at yahoo and I will hook you up with the referral faster than Chase can say \Thank You\

  10. Third time is the charm….

    Chase loves me and I hope they love you too! 10 referrals at my disposal. email me (first name, last name, email address) to stuart_nospam at yahoo and I will hook you up with the referral faster than Chase can say \Thank You

  11. Well, let me jump into this referral conga line too! I can make 10 fast referrals to anyone who needs one (or more!), if you’ll mail me at hoglard1 at comcast dot net. Thanks for your consideration!

  12. Referrals available
    dprocuk at gmail

    Father to two little ones, so would love the consideration thrown my way to take the kids on a trip quicker.

    I can send direct link, rather than Chase email. You can sign up within minutes of emailing me.


  13. Might as well join in! I have five referrals: pinked.lady09 at
    I’m hoping to go on a trip to Asia to celebrate defending my PhD if I can rack up enough points!

  14. Geez…just trying to get more information about getting approved for the card and have to wade through all these people soliciting for referrals…isn’t there a way to mod the comments?? What a turn-off for this, otherwise, great blog entry…

  15. That was a very nice thing of you to do, and allow people to refer, to tell others about additional 10,000 points, and not just sell your own link — which people should use if they cannot get a referral. Tremendous respect for you, mate.



  16. WTH? This morning I received almost 300 emails from your site with special offers that expired as far back as may. Please don’t do that again.

  17. I have 4 referrals left for the 70K offer. If interested, please email tpatnaik at gmail dot com with your first and last name name and email address. Thanks.

  18. I’ve got 10 referrals for the 70k Ink Plus offer. First name, last name, and email to jpbrebner at gmail dot com if you want to help me help you help me (ad infinitum).

  19. Any tips on how to get Chase to approve an Ink Plus when I already have an Ink Bold and a Biz Southwest? Last time I applied for the Southwest they were extremely stingy!! Not sure what excuse I have for another very similar card when I don’t put a ton of spend on the current Biz cards. I average around $1k/month or so.

  20. I also have 10 referrals available for the Chase Ink points 70K points offer. Respond with your full name and email address to carolinaway1 at gmail dot com.

  21. I was already planning to apply for the Ink BOLD card in about a week. Any idea when this card will be fully phased out? I don’t want to wait too long, but also don’t want to accelerate my planned schedule without good reason.

    • From the forums at “A buddy of mine works at a local Chase branch. According to him you are correct in the fact that they are phasing it out. The branch he works at no longer offers it in-branch. He also said it would be gone entirely by the end of the year.”

  22. I have 10 referal open please let me know if any one interested, email First Name, Last Name and email address to (adnan1980 at gmail dot com)
    Thanks appreciated in advance

  23. I have 15 Referal if any one interested provide
    Frist Name
    Last Name
    email address
    to adnan1980 at gmail dot com
    Thanks in advance

  24. OH! That’s so sad that they’re ending the Ink Bold. I LIKE that card!!

    That written, I went last week to my local Chase to see if the 70k offer was still extant. (I was in the Target breach — and managed to stop a $2,700 order of boutique beer from Canada getting shipped to Lithuania — I’m in Georgia! Just because I check my account all the time! Got a replacement Ink Bold card from Chase in a couple days.) Now, I think I may have been in the Home Depot breach too! (Argh.) Decided to apply for the Ink Plus so I could put my monthly bills/payments on the Plus (less likely to be compromised?), and just use the Bold for work purchasing — so I don’t have to change over all the accounts AGAIN!

    Nice folks at Chase, nice chatting, took about 15 minutes, and to his surprise and mine, was immediately approved (for $19k!!)! (Well, I ran some $40k through the Bold last year; guess Chase likes me.)

  25. I have the Ink Plus MasterCard, but I just got a notification when I sign in that I’m being converted to a Visa. Can I hurry and apply for the Plus Visa, or is it too late because they’re already “converting” me over?

  26. I have the Ink Plus referral opportunity, and my wife was going to apply for her own anyway for 70k points. She is already a cardholder on my Ink, so do you think trying to get the referral for her uus too dodgy? Probably not worth risking her not getting approved for 70k points?

    • I don’t think that would be risky at all. If you’re worried, though, you can always have her use someone else’s referral or my link on the Best Offers page. That way she’ll still get the 70K bonus, but that would mean you giving up the 10K referral bonus.

  27. I feel the need to acknowledge the fact that you only made this one post about the Chase Ink card instead of spamming us relentlessly like every other blogger out there, including one who bludgeons us in the face with an entire new Ink 70k post every day for every transfer partner Chase UR has and then makes a couple more posts about it for good measure.

    Every six months, my wife and I apply for 10-12 new cards between the two of us, and we have always used your links. We support blogs that post the most useful information rather than the ones that post the most referral spam. Thank you.

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