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

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

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, 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!

If You Have One of the Chase Sapphire Reserve, Chase Sapphire Preferred, or the Chase Ink Business Preferred Cards, Points Earned on Any Other Chase Ultimate Rewards Card Can Be Pooled Together and Transferred to Chase’s Travel Partners!

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!

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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 and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee

More Info

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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.

You can no longer transfer points from the Chase Ink cards to the Chase Sapphire Reserve. My attempt this week resulted in an error msg that my CSR was not eligible. When I DM Chase representative said that transfer to CSR was no longer allowed because CSR points are more valuable than from the other cards. He did have a work around for me though. Transferred points from Ink cards to my Freedom (downgraded Sapphire Preferred) and then to my CSR. I was planning on cancelling my Freedom but guess I will have to keep it.

Author

Hi Diane, thanks for responding! I was actually just able to transfer points from my Chase Ink Business Preferred to my Chase Sapphire Reserve. I wonder if they are slowly implementing this across all accounts? Would be interested to see if others are running into similar issues!

I don’t know. I told the CSR that I had not seen any changes or received an email about it but he assured me that that was the new rule.

This made me nervous as I am waiting for my ink bonus to post, so I just did a test with the 7,000 points in my account and it worked just now. Here’s hoping it will work in a week when my bonus comes in!

I have both cards and received both bonuses, but I ramped up spending on both due to my eBay side hustle. Combined with a request to increase my limit on my Amazon Chase, Chase SHUT DOWN all my cards as they deemed me a credit risk (too many new applications + request for credit line increase + increased spending on all cards).

Fortunately, I was able to appeal and get them reinstated, but I’d be wary of ramping up your spending too quickly and for goodness sake, don’t request a credit line increase! Just an FYI.

Brian, so glad your accounts were reinstated! This is a very helpful warning.

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