Yes, You Can Get 2 Chase Ink Bold Cards For Separate Businesses

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Link:  Chase Ink Bold Review

Link:  Why Most Folks Qualify for Business Cards

Update:  The 50,000 point sign-up bonus posted to Emily’s account after completing the minimum spending requirements.

Note:  You should NOT apply for a business card for a 2nd business unless you have a legitimate business.

Readers often ask if you can get 2 Chase Ink Bold (or other Chase business cards) for different businesses.  For example, Bob Smith may own two businesses and wonders if he can get separate Chase Ink Bold cards, each with a 50,000 Ultimate Rewards points sign-up bonus, for his two businesses.

I put the same question to the folks running the Ink link of credit cards at Chase when we met in June, and the answer was, yes, you can.

Personal Experience

But now I’ve got personal experience to share – Emily completed her September applications yesterday and was approved for a second Chase Ink Bold card for a different business of selling her used graduate school books on Amazon and e-bay.

Business cards are an easy way to get extra miles and points, and as I’ve written previously, many of us may qualify for businesses and may not know it!  However, keep in mind that business credit cards may not have all the consumer protections which personal cards have.

Emily first applied for the Chase Ink Bold in her February 2012 App-O-Rama and used the Million Mile Secrets Tax identification number (if you don’t have a tax identification number, you can use your social security number).

Yesterday, she applied for another Chase Ink Bold using her first and last name as the business name, and entering “$200” in the field for “Annual Business Revenue/Sales.”  Her earlier Ink Bold card is still open.

We immediately called the Chase business reconsideration line because her application was pending and after answering questions about her business of selling books, she was approved for another Chase Ink Bold.

The telephone representative was very thorough in his questioning:

  • How long has the business been running
  • What do you do
  • What is your salary from your regular job etc.
  • How much revenue did the business make in 2011 and 2012

But the representative was very friendly.  He eventually cut the credit limit on her 2nd Chase United card and on her Priority Club card, and approved her for another Chase Ink Bold with a credit line of $7,500.

Bottom Line:  In our experience, the same individual can get the Chase Ink Bold for separate businesses.  I suspect that this applies to other Chase business cards as well.  I’ll post an update when the points post to our account!

Update:  The 50,000 point sign-up bonus posted to Emily’s account after completing the minimum spending requirements.

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34 responses to “Yes, You Can Get 2 Chase Ink Bold Cards For Separate Businesses

  1. Will she get a bonus points again for this card? Chase is very strict about it and I don’t think that if this card for different business it would qualify for getting bonus points again. Why don’t apply for Ink Plus?

  2. I assume that you have used the “Million Mile Secrets Tax identification number” for your own Chase Ink Bold, and then Emily used it for her first, but then did she use it again for her second Ink Bold? Basically, I was wondering if part of the trick for two business cards was to use an EIN for one application and then a personal SSN for another.

    Also, when using an EIN, is there ever a question why two different people (you, Emily) are using the same EIN? So far, I’ve just used my own SSN when applying for business cards, but my wife does have a legitimate business with an EIN, so I was wondering if it would be better for me to use her EIN instead.

    • @Keith – Emily used the Million Mile Secrets Tax ID for her Ink Bold and I then used it my application and we were approved. Note that Citi will deny a 2nd card for the same business, but Chase doesn’t. I don’t it matters whether you use your SSN or EIN.


  4. What is the difference between chase ink bold and chase ink plus, why not apply for one of each instead of 2 chase ink’s?

  5. ROB, you won’t make any friends by using all caps, which is the blog equivalent of shouting when everyone else is using a normal voice.

  6. I wonder if Chase will let me get 1 business card per vendor that I use for my business. It would help me a lot to put each vendor on separate credit cards.

  7. @Silviar. Ink Bold is a charge card (paid off per month) and Ink Plus is a credit card (carry balance if you choose to). That is the only difference between them.

    We have 2 businesses and my wife currently has one. I am planning to get one for myself using our other business soon (did a card churn recently so waiting a bit longer). May try to get Ink Plus for both of us down the line as well.

  8. Come to think of it…can I have both Ink Plus and Ink Bold for the same business? Daraius???

  9. @ paul, I am not here to make friends. I am here to give and get infos

  10. Does it matter whose name the business is in?

    • @Silviar – The Chase Ink Bold is a charge card which means you have to pay it off in full each month. The Ink Plus is a credit card, so you can (but shouldn’t!) pay interest on the balance. I will get the Ink Plus cards later on.

      @Ken– Only 1 way to find out…

      @SP – I don’t see why not since they are different products.

      @ROB – I put business revenue of $200 on the application, but our personal income is higher than that.

      – I don’t see why it should matter.

  11. Well, after my dad refinanced a couple houses, he had 80 points to play with on his credit. So he applied for 10 cards in one day and was approved for all. 6 were business- 3 SPG, 3 Ink bold. Additionally, the Virgin personal Amex, the chase sapphire, the Barclays USAIR, and I can’t remember the last one, oh, the personal SPG. He has 3 legitimate small businesses, so it wasn’t a problem to get 6 total business bonuses. Chase ended up delaying sending the cards for some reason and threw in an extra 5k per card as well.

    To sum up, you can have 3 separate ink bolds and get the bonus for all 3. None of his really tiny like Emily’s so I’m guessing as long as you have separate tax ID numbers, you can go on for a long time.

  12. I have 2 different business chase ink cards. I received the sign up bonus for each card. The points are sitting in my account now.

  13. @Robert – The “new” and “old” Ink cards or 2 of the same, identical cards?

  14. @ Joe @Robert – Did you use the same SSN/TIN for both cards?

  15. If I close my southwest card do I lose the points

  16. I wasn’t sure I could get the bonus for two different businesses so I got the Chase Ink Cash card for other business. I assume I could still apply for the Ink bold and get the 50k UR bonus?

  17. I was approved for a Ink Bold MC – I have the card, it is listed in my online account but I never activated it. I asked them to switch it to the Visa version – which I have, activated and spending requirement met.

    What should I do with this Ink Bold MC? Can I get bonus miles again if I activate it and meet the spend? Is it still an open account on credit report even if I didn’t activate the card? I don’t want to do the spend if I can’t get the bonus – $10k (then)$5k now is a lot.

    I opened both accounts under my SSN as a sole proprietor business. Thanks in advance for the shared wisdom.

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  19. what is the update on this?

  20. Hi Daraius, i already have Chase Ink Bold and Ink Plus now. Based on the information above, I assume that in the next couple months when I apply for second Chase Ink Bold or Ink Plus with the same SSN, I will get the 50k bonus again, am I right? Thank you so much.

  21. I missed something on the comment above. Assume that I use a different business name but same SSN. Thank you.

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  24. Are there any updates to whether you guys were able to get the signup bonus for the second business?

  25. I have two different business and both have their own TAX ID number. My question is; can i have both ink plus and ink bold for each business and get all four 50k bonus? I recently got ink plus for business number one, when would be ok to apply for bold? And can I apply for both cards at the same time for business number two? Will the system take it as just one inquiry? Business number two is a start up; business number 1 is up and running. Thank you for your response.!