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What Credit Do I Need To Get Approved For The Ink Cards?

- Dec 24, 2023 credit, Credit Card Info0 comments

Update: Offers 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!

In this post, let’s discuss what’s the minimum credit you need in order to get approved for these incredible offers. 

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What credit score do I need to get approved for the Ink cards?

In most cases, you need a min of a 700+ credit score. According to results in our database, the average score for approved applications on the card_name is 760, and on the card_name 762.

How much credit history do I need to get approved for the Ink cards?

In most cases, Chase will want to see a minimum of 12 months of credit history. It’s important to note that Chase will only count your own credit cards, not authorized users (90% of the time).

If you have $10k or more in your Chase bank account then Chase can sometimes approve with less history as well.

Is the Chase 5/24 rule enforced?

In short, the Chase 5/24 rule means that Chase will not approve you if you opened 5 or more personal credit cards within the past 24 months. You can read a lot more about the Chase 5/24 rule here.

Some people were able to get approved even when being above the 5/24 rule. But some people are getting declined. It seems like the rule is waived for some people but not everyone.   

You can see data points here 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12.

What other factors will Chase look at?

Chase will not like it if they see another inquiry on the same day you apply, or two or more credit inquiries within the past six months. 

You also need to make sure you’re not above the Chase 5/24 rule.  

Which credit bureau will Chase pull?

Chase pulls your Experian credit report most of the time.

What credit limits are being approved?

Chase is approving generously for the card_name and the card_name. 

Within the past few months, there have been many approvals reported in our Credit Card Database. The credit limits they were approved for range from $2,100-$100,000 on the card_name, and $3,000-$65,000 on the card_name.

Can I get the same Ink card again?

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.

If I got declined, how do I get Chase to reconsider?

Call the Chase Underwriting Department at 1-888-609-7805. You have to call within 30 days of when you applied. Chase won’t do another hard credit pull to get your application reconsidered. You’ll ask them to please have another look at the application. They have a friendly group working in the department and they’ll do that gladly.

A good idea is to ask Chase to move an existing Chase credit limit from another Chase card in order to get the new card approved (you can only move credit limits from personal-to-personal or business-to-business).

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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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