To celebrate Memorial Day, here’s a quick and easy post (easy to write and, hopefully easy to read). If you have the Ink Business Preferred or Ink Plus card and no longer want to pay the $95 annual fee, you can change to the no-fee Ink Cash card simply by sending Chase a secure message online.
Full details about the Ink Cash Business Card can be found here. The short version is that the card has no annual fee, and it offers great 5X Ultimate Rewards category bonuses (office supply purchases, phone, TV, and internet), up to $25K spend per year. Remember that you can get better value from those points by freely moving the points to a premium card account such as the Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, or Ink Plus.
My wife recently received a her Ink Plus credit card bill with the latest $95 annual fee, so we decided to switch to the Ink Cash in order to get the annual fee removed. She could have called, but she preferred that I do it for her, so I made the change online. I logged onto her account (with her permission, of course) and sent secure messages, as follows:
On my wife’s behalf, I wrote:
I would like to product change my Ink card ending in XXXX to an Ink Cash card in order to save on the annual fee. Please make that change if possible. Thank you.
Less than two hours later, Chase wrote:
I am writing in response to requesting to switch your INKPLUS Visa Signature Business.
Let me share that you can convert to the to INK CASH Visa Signature Business with no annual fee. Please review the following information before we process your request.
Earn 1 point for every $1 spent on purchases. You earn an additional… [truncated]
Yes, I agree to the terms. Please make the product change.
And, three hours later, Chase wrote:
We appreciate your confirmation email about changing your account.
I’ve changed your account to a INK Cash Visa Signature as you requested.
Here’s what you need to know: … [truncated]
That was it. Soon enough, the Ink Plus $95 annual fee was reversed, and we received the new Ink Cash card in the mail. Done.