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Chase Ink Cards FAQs. Let’s Get The Conversation Rolling

How many Ink cards does Chase have?

Update: Some offers expired.

Chase has 4 Ink cards.

card_name ($195)  

card_name ($95) 

card_name ($0)

card_name ($0)

What's the welcome bonus on each?

card_name ($195) – Earn $1,000 after spending $10,000 within the first 3 months.

card_name ($95) – Earn 100,000 points after spending $15,000 within the first 3 months.

card_name ($0) – Earn 90,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 16.99% to 22.99% variable).

card_name ($0) –  Earn 90,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 16.99% to 22.99% variable).

Can I get the welcome bonus on each card separately?

Yes. Each card is a separate product and you’re eligible to get the bonus on each.

How many Ink cards can I apply for at once?

Usually Chase will only approve up to 2 cards in 30 days.

Will it be one hard inquiry or two?

If both applications are submitted the same day then the inquiries will be combined to one. However, if you submit the applications on two separate days then you will get two hard inquiries on your report.

Can I get the same Ink card again?

The same person applying for the same business can get the Ink bonus once in 24 months (not an official rule but in real life I see this to be 90% true). 

The same person can get the same Ink card on a different business at any time.

A different person can get the same Ink card on the same business at any time.

How quickly can I get my card once I'm approved?

You can request Chase to overnight your physical card by calling Chase credit card customer service at 1-800-945-2028.

Can my spouse apply for the same card as me for the same business even if she/he is an authorized user on my card?

Yes.

Do I need a business to apply for an Ink card?

Yes. But almost everyone has some type of business that is eligible. For example, if you tutor kids then that can be considered a tutoring business. You do not need an LLC or corporation. You can apply as a sole proprietorship using your social as the tax ID. More details and a step-by-step guide can be found here.

Are all Ink cards currently an all time high welcome offer?

Yes.

Do all Ink cards have 0% APR?

No. Only the card_name and card_name have intro 0% APR for 12 months. 

Do I have to pay my balance with the Ink Cash card to get the sign up bonus points?

No, you just need to swipe. You can pay it slowly if you wish for 0% APR for 12 months

Which Ink card is approving the highest limits?

We are seeing the highest limits being approved on the card_name. Based on the results reported in our database, the approved credit limits range from $10k – $200k with the average credit limit approved being $54,820!

Can I combine the credit limits from all the Ink cards?

Yes, you can move your credit limits from one Ink card to the other, except for the card_name. With the card_name you can only move a credit limit to the card_name but it’s a one way street because it does not allow you to move credit limits from the card_name to another Chase card.

Can I combine my points from all the Ink cards?

All can be combined except for the points earned on the card_name. With the card_name you can only redeem the points as cashback. 

Which of the Ink cards are the best?

Depends where you swipe, at what benefits you value, how much you spend a month on credit cards, etc.

Here are the 4 Ink cards compared side by side so you can decide for yourself.  

Card Details
Welcome Bonus

Earn $1,000 after spending $10,000 within the first 3 months.

Earn 90,000 points after spending $8,000 within the first 3 months.

Earn a total of 75,000 points. Earn 35,000 points after spending $3,000 within the first 3 monthsPlusearn an additional 40,000 points after spending a total of $6,000 within the first 6 months.

Intro 0% APR for 12 months on purchases (after that 17.49% to 25.49% variable).

Earn 75,000 points after spending $6,000 within the first 3 months.

Intro 0% APR for 12 months on purchases (after that 17.49% to 23.49% variable).

Rewards

– 5% cashback on Chase Travel(SM), and on Lyft rides
– 2.5% cashback on all purchases $5,000 and up
– 2% cashback on all other purchases

– 3 points on the first $150,000 in combined purchases on travel, shipping, internet, cable, phone service, advertising purchases made with social media and search engine websites
– 5 points on Lyft Rides
– 1 point on all other purchases

– 5 points on up to $25,000 spent in combined purchases each account anniversary year on office supply stores, internet, cable, and phone services
– 5 points on Lyft rides
– 2 points on up to $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants
– 1 point on all other purchases

– 5 points on Lyft rides
– Unlimited 1.5 points on all other purchases

Benefits
Auto CDW Insurance

Primary coverage on rentals for business purposes and on rentals outside your country of residence, and secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days. Max $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Worldwide primary coverage on rentals for business purposes, and secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days. Max $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Worldwide primary coverage on rentals for business purposes, and secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days. Max $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Worldwide primary coverage on rentals for business purposes, secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days. Max $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Cell Phone Protection

Get reimbursed for up to $1,000 per claim (with a $100 deductible) if your cell phone breaks or gets lost or stolen. To activate coverage, you need to pay your monthly cell phone bill with your Ink Premium credit card. Max 3 claims per year.

Get reimbursed for up to $1,000 per claim (with a $100 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Ink Preferred credit card. Max 3 claims per year.

Extended Warranty

Get your original manufacturer’s warranty time extended (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Get your original manufacturer’s warranty time extended (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Get your original manufacturer’s warranty time extended (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Get your original manufacturer’s warranty time extended (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Foreign Transaction Fee

No foreign transaction fee.

No foreign transaction fee

Lost Luggage Insurance

Get up to $3,000 per person per trip for lost, stolen, or damaged luggage.

Get up to $3,000 per person for lost or damaged luggage.

Get up to $3,000 per person for lost or damaged luggage.

Get up to $3,000 per person for lost or damaged luggage.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.

Purchase Protection

Get refunded if your purchase is damaged, lost, or stolen, up to 120 days from the date of purchase. Max $10,000 per claim, $50,000 per account.

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per item.

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Get refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.

Roadside Assistance

Get roadside service calls dispatched for free. You will have to pay a set service fee per call.

Get roadside service calls dispatched for free. You will have to pay a set service fee per call.

Get roadside service calls dispatched for free. You will have to pay a set service fee per call.

Chase will dispatch you assistance for free, but you will need to pay the service fee.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $5,000 per person, max $10,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more.

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $5,000 per person and $10,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more.

Trip Delay Insurance

If your flight is delayed for 12+ hours, you can claim up to $500 per person to cover expenses like meals, lodging, toiletries, medication, and other personal use items.

If your flight is delayed for 12+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.

Extra Redemption Value

Points are worth 25% more when redeemed for travel through Chase Travel(SM).

Frequently asked questions
I by mistake transferred my points from my Ink Cash to the Ink Premier, anyway to reverse that?
Unfortunately not

Today's best offers

Capital One Venture X Business

Earn up to 350,000 miles! Earn 150,000 miles after spending $30,000 within the first 3 months. Plus, earn an additional 200,000 miles after spending a total of $200,000 within the first 6 months.

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The New United Club℠ Business Card

Earn 125,000 miles after spending $5,000 within the first 3 months. Expires 5/7/25.

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Chase Sapphire Preferred Card

Earn 100,000 points after spending $5,000 within the first 3 months.

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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The smarter way of keeping track of your cards
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Today's best offers

Capital One Venture X Business

Earn up to 350,000 miles! Earn 150,000 miles after spending $30,000 within the first 3 months. Plus, earn an additional 200,000 miles after spending a total of $200,000 within the first 6 months.

More

The New United Club℠ Business Card

Earn 125,000 miles after spending $5,000 within the first 3 months. Expires 5/7/25.

More

Chase Sapphire Preferred Card

Earn 100,000 points after spending $5,000 within the first 3 months.

More
The smarter way of keeping track of your cards
Now available on Android and iOS
Get our app on

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