Ink credit card review

Non-affiliated disclosure: All information about this card has been independently collected by the US credit card guide and is not reviewed by the issuer.

2025.11 Renewal: New supply is 100k. BTW, there are new bonus limits on this card: “The new Cardmember bonus may not be available to you if you already have this card.“

2024.9 Renewal: 120k offer has expired. Current supply is 90k.

2024.7 Renewal: New supply is 120k. This is the best offer on this card.

Program link

Benefits

1. 100k Offer: Get the last 100,000 reward(ur) points after spending $8,000 within the first 3 months. The latest best offer is 120k.
2. We estimate that the last rewards (ur) points are worth about 1.6 cents / point, see below for a brief introduction. So the highest signing bonus of 120K would be worth $1,920!
3. If you have this card, you can transfer your loyalty points to airline and hotel miles, similar to CSP.
4. Get 3x ur per $1 spent Of the first $150,000 spent on combined travel purchases, shipping purchases, Internet, cable and phone services, and on advertising purchases made through social media sites each year.
5. Get 1x unlimited ur for $1 spent on all other purchases.
6. [New] “Boost Points”: You can redeem your ur points on Chase Travel, at a rate of up to 1.5 cents / location for certain flights and hotels (up to 1.75 CPP for Premium Cab). (The default value is 1,0 cents However, with CSR, the redemption rate is up to cents / point / point, so it is highly recommended to use CSR to redeem ur points in this way.
7. Purchase Protection – Covers new purchases for up to 120 days against damage or theft up to $10,000 per claim of $10,000 account.
8. Basic car rental insurance, but only for business purposes. Note that, unless you can prove you’re traveling on business (which you’ll need to do in the application process), you’ll be better off using premium car rental insurance from Chase Sapphire or Chase Sapphire Reserve.
9. Cell Phone Protection: Get up to $600 per claim in cell phone protection with coverage for coverage or damage to you and your employees listed on your Ink Ik phone when you pay with Chase Ink Preferred Ink Business. Deductible is $100.
10. Refer a friend: You can earn 20,000 UR bonus points for every approved account you refer, up to a maximum of 100,000 UR points per calendar year.
11. There is no foreign exchange fee.

Bad

1. The annual fee is $95. The fee is waived when you apply at a branch.

Introduction to ur points

• You can earn ur points with Chase Freedom Student, chase freedom, chase freedom unlimited (CFU), Chase Sapphire Reserve (CSR), chase Ink Cash (Business), Chase Ink
• You can transfer your ur points from one ur card to another at any time.
• Ur points never expire. You will lose ur points on one card when you close the account, but you can prevent losing your ur points by transferring points to another ur card beforehand.
• If you redeem preferred sapphire (CSP), Chase Sapphire Reserve (CSR), or preferred Chase Ink (business), UR Points can be transferred to certain hotel points. Another best way to use ur points is 1:1 Transfer to Hyatt points. ur points can also be transferred to other airline miles. One of the most common and best ways to use ur points 1:1 transfer them to United Airlines (UA) miles (Star Alliance), and combine them with UA miles earned on the UA card. Some good options are: Southwest (WN-Alliance), British Airways (BA) (OneWorld), vorgin atlantic (vs) (anc-alliance (alc-alliance)
• If you fire Sapphire Reserve (CSR), you can redeem your ur points for up to 2.0 cents for airline tickets or hotels in the travel feature of “Raising Points”; If you’ve worn Sapphire Preferred (CSP) or Chase Ink Preferred (business), the price goes up to 1.5 CPP (or 1.75 CPP for Premium Cabib).
• If you have other ur cards, you can redeem your ur points at a rate limited to 1 cent / point towards cash.
• In summary, we estimate that ur points are worth cents / point / point.
• For more information on UR points, see Maximize Credit Card Points Values ​​(overview), and UR Import: How to use and import (more detailed).

Recommended application period

1. [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not allow you to apply for this card, no matter how high your score is. The number of new accounts includes all credit card accounts, not just checking accounts. See this post for details on how to bypass this rule.
2. You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that that 24-month clock starts when you last received a sign-up bonus, not when you open or close an account. [Correction] There is no such rule in the Chase Ink series!
3. [New] Chase has introduced a once-per-term rule: the new Cardmember bonus may not be available to you if you’ve ever had this card.
4. Do not apply for more than 1 Chase credit card within 30 days, it is very likely that you will be rejected.
5. We recommend that you apply for this card after you have had a credit history of more than a year.

To put it briefly

The signup bonus is very generous, so it’s worth using if it’s less than 5/4. If you have a business that can generate 3x ur sections leading sections to get 450,000 ur a year, this card is a no brainer. If you find it difficult to determine the annual fee, you can also change this card to an annual fee card (ink cash or unlimited interest).

Credit cards are related

Recommended Downgrade options

After applying

• Call 800-453-9719 to check the status of Chase Business Cards. This is an automated call line, and the information has the following definitions: Get a decision in 2 weeks means your application is likely to be approved; Get a decision in 7 – 10 days means your application has been rejected; Get a decision in 30 days it just means your app needs updating and I can’t tell you anything now.
• Chase Resersoor Backdoor Number: 888-270-2127 or 888-609-7805. Business cards are hard to remember. Be prepared to be asked for a lot of details about how your business works.

History Chart

Program link

If you like this post, don’t forget to give it a 5 star rating!