Who Is Eligible For Ink Plus Sign-Up Bonus?

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Update: This offer for the Ink Plus® Business Credit Card is expired. Please check out the current list of the best current travel credit cards.

Link: Ink Plus® Business Credit Card

Yesterday Chase came out with the biggest publicly available sign-up bonus we’ve ever seen on the Ink Plus® Business Credit Card, offering 70,000 Ultimate Rewards points after spending $5,000 within three months. The card has a $95 annual fee, which isn’t waived for the first year. While the 50,000 point offer on the card usually has the annual fee waived the first year, it’s absolutely worth paying $95 for an additional 20,000 Ultimate Rewards points.

I initially posted about it yesterday evening when the offer first went public, and have received quite a few questions about the offer, which I figured I’d clarify below:

Who is eligible for the 70,000 point sign-up bonus?

The bottom of the Ink Plus application page says the following in regards to who is eligible for the sign-up bonus:

I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.

If you’ve earned the bonus on the card in the past 24 months, you’re not eligible for the sign-up bonus. That being said, if you haven’t earned the sign-up bonus in the past 24 months, you should be eligible. That means that even some card members that have had the card years ago should be eligible for the offer.

I already applied for the Ink Plus — will they match this offer?

Some people have mentioned that they recently applied for the card and want to know if Chase will “match” the bonus.

I have no firsthand experience, though those that have asked are reporting that they were denied. The reason — at least in part — is that the terms of the offer are different. This offer for the 70,000 point sign-up bonus doesn’t have the $95 annual fee waived, while the standard version offering 50,000 points does have the annual fee waived for the first year.

Can I earn points for referring people to the card?

Chase is offering a targeted promotion whereby you may be able to refer friends that sign up for the card. They get access to the same offer, and for referring them you earn 10,000 Ultimate Rewards points per approval, for up to five approvals.

This is targeted, so to see if you’re eligible, enter your last name, zip code, and last four digits of your card on this page.


Are Ultimate Rewards points actually valuable?

With this sign-up bonus you earn 70,000 Ultimate Rewards points. If nothing else, each of those can be redeemed for 1.25 cents towards the cost of a travel purchase. So that’s $875 worth of travel, though that’s definitely not how I would redeem the points, since there are much better uses of them.

Ultimate Rewards has almost a dozen transfer partners, including three of my absolute favorite loyalty programs:

I’d argue that Korean Air and Singapore have the two most underrated programs when it comes to aspirational premium cabin redemptions. Hyatt Gold Passport is also the best hotel program for aspirational hotel redemptions, in my opinion.

The Park Hyatt DC is 25,000 points per night, or 12,500 points + $150 with Points + Cash

So I’d value these points at well over 1.5 cents each, given the number of great redemptions you can make with these points for some of the most aspirational airlines and hotels in the world.

Bottom line

This is the best public sign-up bonus we’ve ever seen on what I’d hands down consider to be the best business credit card, so I’d absolutely take advantage of this if you haven’t already.

Link: Ink Plus® Business Credit Card

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  1. Keep in mind this card was a master card before. So many people should be able to get the bonus because it is a new product for many 😉

  2. i kinda agree with Jr above. I had Ink Plus as a MC that i canceled in July… I should be OK, right? or is it too soon to apply?

  3. got my card last week and called in yesterday and they were willing to give me the better offer today as long as I agree to pay the fee in the first year

  4. Hi Lucky! Totally stupid question, but if I have the ink bold can I use the referral to refer someone to apply for the ink plus? Or I need to have the plus in order to refer someone? Thanks.

  5. Do you need to have your own business to qualify or does the “Business Credit Card” designation only apply since rewards are more favorable on business type expenses?

  6. @ niels — There are three kinds of the card — Ink Plus, Ink Bold, and Ink Cash. They’re all considered different products. I’d recommend calling the number on the back of the card to ask which you have, if you’re not sure.

  7. @ Ray — You do need to have a business, though a sole proprietorship (whereby you enter your SSN as the tax ID) would qualify as well. It doesn’t have to be a corporation.

  8. @Lucky-thanks. I have multiple cards already with Chase and I am sure my credit report will show my employer as does my account with them. Thanks for the follow up.

  9. I received ink plus using my business tax id about 6 months ago. Will my father (who co-owns the business) be able to receive the bonus if he apply through our business tax id?

  10. @ dk — That I’m not sure of. I believe it’s one per tax ID, so if he has a sole proprietorship he could certainly apply for that, but I don’t believe he could earn it for the same tax ID.

  11. (preface…applied through Lucky’s link yesterday and have no problem supporting)
    always wondered how blogger’s get the miles/points… using this example say 10k points per app = $100 per app… 100 apps = 1M points or $10k… (this is a probably bare minimum estimation)

    Lucky… you should be well on your way to your next Suite Class or First Class ticket and provide a trip report ASAP =-) (maybe the Apartment, is that even possible to redeem for?)

  12. I know you were unhappy about the Hilton points devaluation, but are there other reasons that you choose Hyatt?

  13. @ Rachel — I love the hotels, the points redemption values are generally excellent, and they provide great elite recognition, in my opinion.

  14. Hmm.. I’m kind of new to this life. I’m almost to Hilton diamond status so I’m hesitant to start over. Good info to have. What makes the hotels nicer if you have time to answer? Hilton seems hit-or-miss but when they get it right (Guanacaste), they get it very right in my experience.

  15. I already have Ink Plus when they offer 60k sign up bonus with first annual fee waived……when will they also do this increased bonus offer for Ink Bold? Any reason why it’s limited to Ink Plus?

  16. I applied for and received the Ink Plus under a different business than the one I applied for yesterday. I own a professional practice which was the first one which I have had for almost a year. The one I applied for yesterday was in the name of a side business I am involved. Two totally different business names. Will I qualify for the bonus, assuming Chase approves yesterday’s application?? Thanks for anticipated reply and/or feedback. Jonny E.

  17. @ Jonathan — Yes, my understanding is that you can qualify for the bonus on multiple cards if they’re for different businesses.

  18. Can u get cards for multiple businesses if they are both (all) sole proprietorships (i.e. All tied to one social security number)? Or, do they need to be linked to separate business numbers?

  19. @ Cody — I believe for a single person you can only get one card per tax ID. I could be mistaken, though.

  20. Both my wife and myself have had ink bold and ink plus (in that order). All 4 cards have been cancelled when the $95 annual fees came up. Do you know when the mastercards became visas (what month and year…i.e. If you applied before month/year you had a Mastercard and after that you got a visa)? I think all of ours were mastercards.

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