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Clearing Up the Confusion: Can You Get the Bonus on Multiple Chase Ink Cards?

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Clearing Up the Confusion: Can You Get the Bonus on Multiple Chase Ink Cards?

Andrew WanClearing Up the Confusion: Can You Get the Bonus on Multiple Chase Ink Cards?Million Mile Secrets Team

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Many of you love Chase Ultimate Rewards points because of their flexibility and great transfer partners.  And with the terrific bonuses available on Chase credit cards, we’ve been getting questions about them.

For example, the Ink Business Cash℠ Credit Card and Ink Business Preferred℠ Credit Card currently come with BIG sign-up bonuses!  But they are both business cards issued by Chase.

So can you earn the intro bonus from both cards?

Clearing Up The Confusion Can You Get The Bonus On Both Chase Ink Cards
One Business Can Earn You 2 Sign-Up Bonuses With These Chase Business Cards!

Million Mile Secrets reader, Tracy asks,

I have the Chase Ink Business Preferred card already.  Can I still apply for the Chase Ink Business Cash and earn a bonus?

Thanks for the question, Tracy!

The Chase Ink Business Preferred and Chase Ink Business Cash are considered separate products, so you can earn a bonus on BOTH cards!

But just because you are eligible for the bonus that doesn’t guarantee you will be approved for the card.  So I’ll go over the benefits of having each of the cards, as well as some of Chase’s application rules.

Chase Ink Business Cash

Link:   Chase Ink Business Cash Credit Card

Link:   Our Review of the Chase Ink Business Cash Card

The Chase Ink Business Cash currently has an intro bonus of $500 (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases in the first 3 months of account opening.  That’s the highest ever welcome bonus we’ve seen on this card!

And with no annual fee and strong spending bonuses in a variety of categories, this is one of my personal favorite cards.  You’ll get:

  • 5% cash back on the first $25,000 in combined purchases at office supply stores, internet, cable, and phone services each account anniversary year
  • 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year
  • Unlimited 1% cash back on all other purchases

The Chase Ink Business Cash is a cash back card.  So you can only redeem points for rewards at a rate 1 cent per point.

However, if you have another eligible card (such as the Chase Ink Business Preferred, Chase Sapphire Preferred Card, or Chase Sapphire Reserve card), you can pool the points and transfer them directly to any of Chase’s travel partners for potentially more value!

Chase Ink Business Preferred

Link:   Chase Ink Business Preferred Credit Card

Link:   Our Review of the Chase Ink Business Preferred Card

The Chase Ink Business Preferred credit card currently comes with an intro bonus of 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months.  That’s worth $800 in cash back, or $1,000 toward travel when you redeem through the Chase Ultimate Rewards travel portal.

The card also comes with the following benefits:

  • 3 Chase Ultimate Rewards points per $1 on the first $150,000 in combined purchases spent on travel, shipping purchases, internet, cable, and phone services, plus advertising purchases with social media, and search engine sites each account anniversary year
  • 1 Chase Ultimate Rewards point per $1 on all other purchases
  • Points are worth 25% more when redeemed for airfare, hotels, or car rentals through the Chase Travel Portal
  • $600 of cell phone insurance when you pay your bill with the card
  • Primary rental car coverage when renting for business purposes

The card does come with an annual fee of $95 which is NOT waived for the first year.  But it’s still well worth it given the large welcome bonus and the money saving benefits the card offers!

Do You Qualify for These Business cards?

Chase will look at more than just the usual approval criteria, like your credit score and a few other factors, when reviewing your application.  Keep in mind, Chase will NOT approve you for most of their cards if you’ve opened 5 or more credit cards (from any bank) in the past 24 months (NOT counting Chase business cards and these other business cards).

And when it comes to getting a small business card, you might be surprised to find out you may already qualify!  If you generate income, whether it’s selling items on eBay, tutoring, or walking the neighbor’s dogs, you may qualify as a small business owner!

Just several months ago, I was approved for my first ever business card – the Chase Ink Business Preferred!  I claimed only $500 in annual income as a sole proprietor in operation for less than a year!  I had no formal business license, and applied using my own Social Security number.

In other words, you don’t need to be an executive at a large corporation to get a small business card.

Bottom Line

The Chase Ink Business Preferred and Chase Ink Business Cash credit cards are considered separate products.  So it is possible to earn the sign-up bonus on both of them!

The Chase Ink Business Cash is one of my personal favorites with its massive intro bonus of $500 (50,000 Chase Ultimate Rewards points) after meeting minimum spending requirements, no annual fee, and strong cash back in a variety of categories.

The Chase Ink Business Preferred has an even higher sign-up bonus of 80,000 Chase Ultimate Rewards points.  That’s worth $1,000 toward travel when redeemed through the Chase Ultimate Rewards travel portal, or potentially more if transferred to Chase’s travel partners.

If you make extra income outside of your regular full-time job, you may qualify for these cards as a small business owner!

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Hi Andrew W & MMS!
Question about signup bonus eligibility. I want to apply for new Chase Ink Unlimited (CIU) to earn the signup bonus. I currently have two Chase Ink Cards – Cash (CIC) & Unlimited (CIU), which was a product change from Chase Ink Preferred (CIP).
I’ve earned the signup bonus for CIP and CIC but have not for the CIU.
Am eligible to earn a signup bonus for CIU, even though I have a CIU (from a product change) already?

If you have a Chase Business Preferred then later downgraded it to a Chase Ink Cash to avoid annual fees, can you then still apply for a Chase Ink Cash card and get the bonus points for the same business? Has anyone tried that?

What are the PC options for the CIP if you already have both Ink CIC and CIU cards?

Thanks

You can have more than 1 Ink Cash. May be real beneficial depending on your office supply store spending.

Just an update on getting multiple Ink cards from my end. I got the Ink Business Preferred card last August and then applied for the Ink Business Cash card in March. I had my eye on the new Ink Business Unlimited card because of the new awesome sign up bonus so I called Chase to ask if I would still be eligible for the new bonus since I have 2 Ink Business cards and they said yes. I’m 4/24 right now and 2 are Chase cards: United Explorer and Marriott Preferred Plus. I applied last week for the Chase Ink Business Unlimited and was approved. So now I have all 3 Ink Business cards excepting applictions. That’s 180k Ultimate Rewards points I will have earned from sign up bonuses.

That’s amazing! My application for the Ink Business Unlimited is currently pending. Assuming it goes through, I’ll have all 3 as well.

How does the Chase Ink Business Plus fit in with this? I understand it’s an old card, but I’m stuck under 5/24 until August. (Just hoping these bonuses, or something similarly lucrative, will be around then.)

Author

Hi Larry, since the Chase Ink Business Plus is considered a separate product from the Chase Ink Business Preferred and Chase Ink Business Cash cards, the welcome bonus should still be an option for you.

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