How to get approved for up to 180K Ultimate Rewards points via Ink Business cards

Chase currently has fantastic offers for their three Ink Business cards.  The offers add up to 180,000 points.  Even though the two fee-free cards are advertised as cash back cards, they actually earn Ultimate Rewards points.  And, Ultimate Rewards is my favorite transferable points currency.

Over the weekend, I created a new resource page: How to sign up for Chase Ink cards. This page answers the following questions:

  • Do I really need a business to apply? [Quick answer: Yes, but you might have a business without realizing it]
  • Can I qualify for the signup bonus if I currently have an Ink card, or have had one in the past?
  • What specifically should I put in the business card application?
  • I’m over 5/24. Is there any hope? [Chase usually won’t approve you for new cards if you’ve signed up for 5 or more cards with any bank in the past 24 months, but there are a couple of things you can try even if you are over 5/24]
  • What can I do to increase my chances of approval?

Please check out the new page and refer to it before applying for Ink Business cards (or for any other Chase business cards):

How to sign up for Chase Ink cards

 

Also keep in mind the following:


Chase Application Tips


  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.

  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.

  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.

  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days

  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)


Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards;
or 800-527-7415 for the Ritz card

Last updated on May 29th, 2018

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.

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Bb b
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Bb b

What about the increase in recent chase shutdowns?

escot
Guest
escot

Thanks for the great resource & reminders. Related query, I’d like to learn how to get “targeted” for the current (as of early May, afaik) 120,000 UR points promo for the Chase Ink Preferred card…. Any experience or data points out there on how to get targeted for such promos? Call in working? To those who got it, was it by snail mail or by email? (and if the latter, what was the subject line?) I’m inclined to hold out and wait for them to come to me….. 50% more than the current general 80K offer is…. well, it’s 50% more. (esp. if I’m to pay an annual fee for the card)

Andrew
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Andrew

Subtitle: “How to get Chase to shut you down in 24 hours.”

Tim K
Guest
Tim K

Wish I could get this one. I racked up 320,000 UR points in 8 months. I’m starting to get turned down now for cards. I applied for this one but got this for an answer, we’ll let you know in 30 days by mail.

bb b
Guest
bb b

Report back if you end up getting shutdown by chase please.

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[…] How to get approved for up to 180K Ultimate Rewards points via Ink Business cards […]

Eugene
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Eugene

So, if a person was sitting at 4/24 and they were interested in both one of these Ink cards and the Sapphire Preferred – the best strategy would be the Ink card first since you need to be under 5/24 BUT it won’t kill your chances for the CSP because it does not impact your 5/24 count. Apparently, this order of application will work, whereas going for the CSP first will knock you out of contention for the Ink card….got it – this way we can get two cards and not just one before bumping ourselves back up to 5/24, right?

tina
Guest
tina

Well, I hope I didn’t mess up my chances. Last month I downgraded from Chase preferred to unlimited. Then Friday, when I was finally 4/24 I applied for Chase Ink Preferred. Was given the 30 day. Called and spoke to a rep and told them I would be happy to move around my credit-he asked me a lot of questions about my business, income, how I plan to use the card. Never happened before. Told me they would decide in the next 24-48 hours–would get a letter, or I could call back Monday. I thought this sounded promising, so I then applied to for the Chase reserve. Almost the exact same thing, a whole slew of questions. Crossing my fingers that tomorrow is good, and that I did not blow it by not waiting until I heard about chase ink before applying for reserve.

Laurie King
Guest
Laurie King

Hi Greg,
Somewhere I read that UR from other cards can be transferred to Southwest Airlines, but when I attempted to do that from a Chase Ink Business, it wouldn’t allow it online. I called Chase (twice actually) and was told you can’t transfer between the two because airline miles are different that UR point. How did you manage to do it?

Nick Reyes
Editor

Which Chase Ink Business card do you have? It sounds like maybe you have the Chase Ink Cash card.

You need to have a premium Chase card to transfer to partners (Chase Ink Business Preferred, Chase Sapphire Preferred, Chase Sapphire Reserve….or if you still have an older Ink Plus, that would work as well). If you have one of those cards, first move your Ultimate Rewards from your Ink Cash to the premium card (click “combine points” in the Ultimate Rewards portal). Then you can transfer to travel partners (airlines and hotels).