Chase Ink Plus and Cash Increased Bonus Ending!

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This is a quick reminder that the increased sign up bonus for the Chase Ink Plus and Chase Ink Cash credit cards are ending tomorrow Monday May 25, 2015. Both of these offers are experiencing an additional 10,000 points on top of the normal bonus. UPDATE: This offer has expired, the current offer includes the following bonus:

  • Chase Ink Plus – 50,000 bonus points after you spend $5,000 in the first 3 months; $95 annual fee waived the first year
  • Chase Ink Cash – 20,000 bonus points after you spend $3,000 in the first 3 months; no annual fee

For the Chase Ink Cash, this is the highest offer we’ve seen and usually presents itself about two times a year. For the Chase Ink Plus, we’ve seen as high an offer as 70,000 points (last November 2014), so this is not the highest offer, but still a good offer. Remember, the increased Chase Ink Plus offer comes with an annual fee not waived the first year, but I’ve read some reports that if you apply in the branch you might be able to get the fee waived, so you might want to check it out before applying online. You can learn more about the increased offers here: “Increased Chase Ink Cash Credit Card Offer” and “Increased Chase Ink Plus Credit Card Offer“, but below is a quick recap on the cards and the Chase Ultimate Rewards program.

What is the major difference between the Chase Ink Cash and Chase Ink Plus?

While both are business cards, there are some major differences. First off, the Chase Ink Cash card has no annual fee EVER, while the Chase Ink Plus has a $95 annual fee. Both cards earn 5x points at office supply stores and cable, tv, cell phone expenses, but the Chase Ink Plus gives 2x points at gas stations and hotels whereas the Chase Ink Cash gives 2x points at gas stations and restaurants. If you spend a lot at hotels or eating out, that might help decide which card is best. Also, the maximum number of points earned differs, but the spend is so high that the average person will not even come close to hitting the threshold.

Also, Chase has two levels of Ultimate Reward points – basic and enhanced. Points earned from the Chase Ink Cash card fall into the basic category, while points earned from the Chase Ink Plus fall into enhanced category. For basic points, you can only redeem your points for cash where 1 Ultimate Reward point equals 1 penny (which means the 30,000 points earned from the Chase Ink Cash card is a fixed $300). However, you can instead transfer your points to an enhanced account (i.e., Chase Ink Plus, Chase Ink Bold, Chase Sapphire Preferred) and then transfer the points to a partner loyalty program. Chase allows you to freely transfer points from one account to another even if they are different types of points earned (basic vs. enhanced). Chase also allows you to transfer points to a spouses account for free. With Chase you can transfer to the following partner programs:

  • United
  • British Airways
  • Korean Airways
  • Southwest
  • Virgin Atlantic
  • Singapore Airlines
  • Hyatt
  • InterContinental Hotels Group (IHG)
  • Marriott
  • Ritz Carlton
  • Amtrak

Some quick FAQs about applying:

  • If you recently applied for either of these cards in the past 103 days, send a secure message on your Chase.com account and request for a match in the offer.
  • While these are business card, you can use your personal Social Security number on your application. You can apply as a sole proprietorship.
  • There is no set cap on the number of Chase cards you can apply for.

And here is a blog series describing the Chase Ultimate Rewards program in general:

Key Links: 

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