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Ending Very Soon!! Everything You Need To Know About The Ink Offers And How To Apply

- Mar 19, 2023 Credit Card Offers0 comments

Update: Expired

You definitely don’t want to miss these offers! You can earn a total of 180,000 points (and even more when including a spouse)! You earn 90k points after spending $6,000 within three months on each card. And even better. Chase is approving for both cards easily.

  • Both cards don’t have an annual fee!
  • Both cards have 0% APR for 12 months! 
  • And last but not least, both cards earn you 90k bonus points!

So don’t miss this incredible opportunity! 

Passover shopping is coming up. You will be spending a ton on credit cards anyway. You might as well earn a great bonus, plus 0% APR for 12 months!

Don’t delay, apply today!

Chase Ink Unlimited >>

Chase Ink Cash >>

Can I apply for both Ink cards the same day?

Yes. just wait till the first is approved before you apply for the second card. If the application is pending then call Chase Underwriting department and ask them to review the application on the spot. The number is  1-888-609-7805 and press 0 for a representative. 


Will it be one hard inquiry or two?

Applied for both cards on the same day: If both applications are submitted on the same day then there will only be one inquiry. 

Applied for the cards on different days: Recently many people reported only getting one credit inquiry even for applications that were submitted a few days apart, but some reported two inquiries if they applied for the cards on different days, so your results may vary. 

What's the welcome bonus on each card?

Ink CashEarn 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).

Ink Unlimited –  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).

Are these cards under the 5/24 rule?

Many people were able to get approved even when being above the 5/24 rule (including my wife and myself). But some people are getting declined. It seems like the rule is waived for many people but not everyone.   

You can see data points here 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

What's the Chase 5/24 rule?

The rule basically means that anyone who has opened 5 or more personal credit cards within the past 24 months, cannot get approved for any Chase credit card.

Are all cards counted towards the 5 cards or only Chase cards ?

Any personal credit card from any bank that was opened in the last 24 months will count towards the 5/24 rule. It does not make a difference if the account is still open or already closed.

Are business cards counted towards the 5 cards?

Only personal cards count towards the 5 cards, not business cards (including Chase business cards).

Are authorized users counted towards the 5/24 rule?

Authorized users do not count towards the 5/24 rule, but you may need to call the reconsideration department (phone number: 1800-453-9719) in order to get approved since the computer approval system sometimes does not pick up the difference between an individual account and an authorized user account.

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.

Can I get the same Ink card again?

Usually, the rule used to be that the same person applying for the same business can get the Ink bonus only once in 24 months (not an official rule, but in real life this used to be 90% true)  But right now with the easier approvals many people are able to get the same card again even way before 24 months and even on the same business 

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?


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.

Do I have to pay the $6k spend to get the 90,000 sign up bonus points?

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

Do I earn points or cashback?

You earn Chase Ultimate Reward points.

How can the points be used?

You can redeem the points with the following options

Cashback: The points can be redeemed as cashback for 1 penny per point.

Chase Travel: If you only have the Ink Cash or the Ink Unlimited then you can get 1 penny per point for Chase Travel.

  • If you also have the Sapphire Preferred Card or the Ink Preferred then you can transfer your points to one of these cards to redeem 1.25 cents per point on Chase Travel, to book flights, car rentals, hotels, and more. 
  • If you also have the Sapphire Reserve then you can transfer your points to the Reserve to redeem 1.5 cents per point on Chase Travel.

Transfer to airline and hotel programs:  If you also have the Sapphire Preferred Card, Sapphire Reserve, or the Ink Preferred, then you can transfer your points to one of these cards and then transfer your points to any of the Chase Travel Partners.

Pay Yourself Back: You can also Pay Yourself Back by paying for purchases on your card and offset the purchases with points.

This can only be done on purchases within certain categories, and Chase constantly changes the categories. Current categories, until march 31st, are:

Chase Sapphire Cards

  • Gas stations
  • Groceries
  • Annual fee (on the Sapphire Reserve)

Chase Ink Cards

  • Internet and cable
  • Phone services
  • Shipping

If my application is pending what do I do?

If the application is pending then call Chase Underwriting Department and ask them to review the application on the spot. The number is  1-888-609-7805 and press 0 for a representative. 

If I get declined what should I do?

Thankfully, Chase has a very friendly reconsideration department that can be reached at 1-888-609-7805. In most cases, the underwriter you speak to has the power to recommend an approval or denial. You can very likely convince the underwriter to approve your application even after getting declined

Read some great tips on how to get your application reconsidered here 

Do I need a Chase Business checking to get approved?

No. But having one will result in a higher chance of approval, especially if you’re looking to get a high credit limit.

What's the minimum credit score I need to get approved?

There is no official number. But in general, I only see approvals if you have your own credit card for a min of 12 months and your credit score is 700 plus. Overall approvals are now easier than ever before.

How can I spend $6,000/$12,000 in three months?

If your budget does not allow you to spend the needed minimum spend amount within the required time frame, then consider prepaying some of your expenses so you’ll get charged now, but you’ll be left with a credit to use in the future.

Some expenses that you might be able to prepay:

  • Groceries
  • Pay towards your kids’ tuition or college 
  • Buy gas gift cards
  • Add credit to your E-ZPASS account
  • Add money to your Amazon or Walmart wallet
  • Utility bills like water, electricity, natural gas, sewer, or trash

You can also pay taxes with credit card, and there are many more ideas you can read in this post.

Frequently asked questions
How long does it take to get an Ink credit card in the mail?
You can ask Chase to overnight it for free
Can I transfer credit limits from a personal Chase card to a business card?
No. Only personal to personal or business to business

Was this article helpful?

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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Capital One Venture X Business

Earn 150,000 miles after spending $30,000 within the first 3 months.

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Ink Business Preferred Credit Card

Earn 100,000 points after spending $8,000 within the first 3 months.

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Capital One Spark Cash Plus

Earn $1,200 after spending $30,000 within the first 3 months.

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Miles & More World Elite Mastercard

Earn 100,000 points after spending $3,000 and paying the annual fee within the first 90 days.

Intro 0% APR for 15 months on balance transfers (after that 21.24%, 25.24% or 29.99% variable). The balance transfer fee is 5% or $5, whichever is greater.

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