Chase Ink Cards Minimum Spend Lowered

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A few days ago I posted that all four Chase Ink Business cards were changing their sign up bonus offers. At that time both the old and the new links were available – if you were in the market for one of these cards you could apply for the offer that worked best for you. As of yesterday, all offer links have officially changed over to the new offer. Overall, I’d say the changes are positive as one of the biggest reasons people did not apply for this card was meeting a $10,000 minimum spend (for the two most popular cards – Chase Ink Bold and Chase Ink Plus). Those cards now require only a $5,000 minimum spend to receive the full bonus points, which is a big difference.

From above, you’ll notice that the offers for the Chase Ink Bold and Chase Ink Plus along with the Chase Ink Classic and Chase Ink Cash are the same. So what are the differences between cards? You can learn more about the subtle differences of these four cards in this prior blog post, but to quickly recap:

  • Chase Ink Bold vs. Chase Ink Plus: 99% the same card, but the Chase Ink Bold is a charge card (where you must pay the balance in full each month), and the Chase Ink Plus is a credit card (allowing you to pay the credit card balance overtime). If you are in the points and miles game, you should be paying off your credit card in full each money anyways, so ultimately it does not matter which card you have (since points/miles earning credit cards have high APR fees).  Aside from that difference the cards are 100% the same. And yes, you can apply for both cards.
  • Chase Ink Classic vs. Chase Ink Cash: Again, very similar in nature, but for the 2x point bonus categories both give you 2x points at gas stations, but the Ink Classic also gives 2x points at hotels/motels, while the Ink Cash has a 2nd 2x point bonus at restaurants. If you spend more at hotels/motels, go for the Ink Classic, if you spend more at restaurants, go for Ink Cash. That is the simple decision maker.

With all four cards you earn Chase Ultimate Reward points. The Ink Bold and Ink Plus allow you to transfer your points directly to the following loyalty programs: United, British Airways, Korean Airways, Southwest Airlines, Hyatt, Priority Club/InterContinental Hotels Group, Marriott, Ritz Carlton, and Amtrak. The Ink Classic and Ink Cash points cannot be directly transferred to loyalty partners, but if you or your significant other have one of the Ultimate Rewards non-limiting account (Chase Sapphire Preferred, Chase Ink Bold, Chase Ink Plus), you can transfer your points into this account and from there transfer the points into a airline/hotel partner account.

With the four accounts you will earn the following bonus points:

  • 5x points per $1 on business expenses (business expenses include: wireless communication services, cable and satellite television and radio services, office supply stores and wholesale distributors of office supplies) – this is great for Office Depot, Office Max, and Staples purchases (including purchasing gift cards at these stores)
    • Chase Ink Bold/Chase Ink Plus is limited to a maximum of $50,000 spent/year
    • Chase Ink Classic/Chase Ink Plus is limited to a maximum of $25,000 spent/year
  • 2x points per $1 at gas stations; hotels and motels (only for the Chase Ink Bold, Chase Ink Plus, and Chase Ink Classic card), and restaurants (only for the Chase Ink Cash card)
    • Chase Ink Bold/Chase Ink Plus is limited to a maximum of $50 spent/year
    • Chase Ink Classic/Chase Ink Cash is limited to a maximum of $25,000 spent/year
  • 1x points per $1 on all other purchases – no maximum on the points you can earn

While technically these are business credit cards, many people (myself included) have been able to get these cards with no real profitable business. You can include your SS# instead of your tax ID, however, you’ll probably have to call the Chase reconsideration line to get your application approved, which is no big deal. If you are looking to apply for multiple Chase business cards (or personal cards) during the same timeframe, I’d suggest waiting a few months – this will help to get approved. You can, however, apply for one business card and one personal card during the same timeframe.
To learn more about these credit cards and the Chase Ultimate Rewards program, check out these prior blog posts:

Disclosure: This post contains affiliate links. I will only list the best credit card offers available, as my goal for you is to travel on a deal!

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. A great summary. While the differences are very few, they MAY me important to some folks. Unless one is on the road every week, that $10k spend in 90 days is a bunch. As you an others often note, no one playing these points games should be doing it with a revolving account; that’s just nuts. If one cannot pay every bill in full, every month, you’re playing in the wrong league.

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