Feeling triple Bold!

Please note: Offer is no longer available

As I posted about earlier today, Chase is pulling their current sign-up bonus offer on the Ink Bold® Business Charge Card tomorrow at 10AM ET, and it looks like the minimum spend requirement to earn the 50,000 points will go from $5,000 to $10,000, as is already the case on Chase’s own website.

I actually followed my own advice (shocker, I know!) and applied for the card. As a reminder, I had the Ink Bold card from before they changed the benefits late last year. I find it funny that they won’t just let you “convert” the card to the new version, but instead have you apply for a new one, which “costs” them 50,000 points.

Not only did I apply for me, but I also had both of my parents apply. The result? Pretty soon we’ll be 150,000 Ultimate Rewards points richer.

Chase used to have awful customer service, but between the cards that get you a direct line to a human and the reconsideration line, I’m thinking they now have among the best.

Anyway, for all three applications we submitted we got the “pending decision” page. Within minutes we each called Chase’s business reconsideration line (800.453.9719), which is immediately answered by a (competent) human being. We were each asked basic questions about our business, like the nature of the business, income last year, expected income this year, number of employees, expected expenses vs. profit, etc. It was all pretty basic stuff, and we all got instantly approved on the call, none of which lasted more than five minutes. I was fully expecting to have to close my current Ink Bold card (so I proactively transferred my points from the Ink Bold card to my Chase Sapphire Preferred card), but that wasn’t even necessary. They let me keep both cards!

Seriously, I knew the process was easy, though it was even easier than I had remembered. Keep in mind you don’t need to have an incorporated business in order to get approved for a business credit card. You can just have a sole proprietorship and use your personal social security number as the tax ID.

So thanks, Chase, for the 150,000 Ultimate Rewards points. And thanks for having an awesome reconsideration line that takes the waiting out of the credit card approval process!

Filed Under: Advice, Chase
  1. Yup, thanks Chase. Whereas we all like to take the bonus points and run, you’ve converted me from a loyal SPG AmEx user to a loyal Chase user.

    If I’m not meeting minimum spend requirements elsewhere, I’ll be using your products for my regular spend.

  2. Ditto Dan. Chase is none far the best credit card bank! Best reward programs, versatility, and now the best customer service.

  3. @ Dan — Well said, and completely agree. Total 180 for them, in my opinion.

    @ Hao — Not counting on it, though I’ll give it a shot.

    @ Milezjunkie — Happy to hear your experience has been the same!

  4. Applied through your link as thanks for some of the detective work conducted on the BA miles. Although I will probably not use it but thanks for the work you do.

  5. Ben – applied thru ur link and got approved in the exact same manner as yours, today. Wonder if we got the same guy on the phone…

  6. Ben, do you know when the benefits changed? My wife got one last year, not sure whether it was before or after the change.

    I’ll probably be content with the new 25k after first use offer, since I’m already on the hook for $9k spend over the next four months.

    Thanks in advance!

  7. @ beachfan — They changed around November 28, so if she applied before then she should be able to do so again. 🙂

  8. The recon agent recommended my application to be approved but needs to go through some sort of final review process. Should I be worried?

  9. @ Tao — Not at all, that’s the standard response. The agent “conditionally approves” the application, and then it goes through further processing and is sent out to you. You should be good to go!

  10. Ben..thanks ! I got approved after a 5 min. call and to sweeten if more, I asked if they could send me the card ASAP before my trip, and she confirmed my address and said will UPS it 2nd day. AWESOME!

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