Who Is Eligible For The Chase Ink Cash Card?

Filed Under: Chase, Credit Cards
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At the moment the no annual fee Ink Business Cash℠ Credit Card has its best ever welcome bonus. Specifically, the card is offering $500 cash back (or 50,000 points) after spending $3,000 within three months. Prior to that the welcome bonus was $300 cash back (or 30,000 points), so this bonus is more than 60% bigger than usual. Even though this is a no annual fee card, the bonus is on par with some of Chase’s top premium cards, like the Chase Sapphire Reserve® Card.

Not only does the card have a great welcome bonus, but it’s worth holding onto long term, given that it offers excellent bonus categories, including:

  • 5x points on the first $25,000 of combined purchases per account anniversary year at office supply stores, and on internet, cable, and phone services
  • 2x points on the first $25,000 of combined purchases per account anniversary year at restaurants and gas stations

For a no annual fee card, it also offers unrivaled protection, including car rental, purchase, and travel coverage.

One question I’ve frequently received is if you’re eligible for the Ink Business Cash is you have one of the other Ink cards. This includes the Ink Business Preferred® Credit Card, as well as the Ink Bold and Ink Plus cards, which are no longer open to new applicants.

The answer is yes — no matter what other Ink card you have (whether it’s the Preferred, Bold, or Plus), you’re eligible to be approved for, and receive the welcome bonus on, the Ink Business Cash. It’s logical that Chase lets you have both the Ink Business Cash and the Ink Business Preferred Card, given that the two cards are complements and not substitutes. They have different bonus categories, different perks, and having the Ink Preferred can increase the value of the points you earn on the Ink Cash, thanks to the ability to transfer points between accounts.

For those who don’t have any other Chase business cards, see this post for a general guide on how to apply for a Chase business card. As you can see, even those with small businesses are potentially eligible for this card, as intimidating as it can be to apply for your first business credit card. Also see this post for a guide on how to transfer Chase Ink Cash points to other cards to maximize their value, as you can potentially get 50%+ more value out of your points by doing that.

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  1. I’m so happy now that I want to share my story with Lucky and the Lucky OMAAT community on this lucky Friday even though it’s not too related to the blog post.

    I recently applied for a Chase MileagePlus Explorer Visa (unfortunately, not with Lucky’s links because I didn’t see one on the home page or article pages). I was turned down, citing too many cards issued within the past two years. They said I applied to 5. I applied to four between December 2017 and March 2018, none of them Chase cards. Another one was 23 months ago, but I am an authorized user, not the main cardholder. (Hint: I now think being an authorized card user makes it like your card in your credit report).

    So the 5/24 rule could be sometimes interpreted by Chase as 5 of any card, even non-Chase cards.

    Happy, I was approved after calling them hat in hand.

  2. Got united card with bonus but then changed it to ink cash. So i didnt get the ink cash sign up bonus i technically had the card before. It is closed long time ago. Can i get the bonus now if i apply for this sign up bonus?

  3. @ Ken — As long as you don’t currently have the card and haven’t received a welcome bonus on the card in the past 24 months you should be good. Let me know if you have any other questions.

  4. Any idea how long the current deal for the 50K sign-up bonus will be available?

    A friend just got a different card and she is concerned about her ability to complete the initial spend on more than one at the same time. She will probably want this card, but needs to wait a bit.

  5. hey Lucky, I currently have 3 Ink cards (2 old Bold + Preferred), is there limit on how many Ink cards you can have? Can I still get Ink Cash? I am thinking about closing 1 Bold.

  6. I have the previous Ink card that gets 5x at office supply stores and has the annual fee. I don’t spend the 50K limit on 5x. Any reason to keep that if I get this?

  7. Applied for the card and was denied. In the past this issue hasn’t affected me but you need to note it. According to the lending dept at Chase, for sole proprietorship, the business name MUST match the cardholder’s name. Amusing that I’ve been previously approved for the Ink Biz Preferred card with mis-matched names and now they restrict it. I was instructed by the lending dept to submit a new application, same pending result. Called the lending group back again, this time the CSR seemed to actually know what he was talking about, he told me the new app was not necessary and that he’d just change the biz name on the first one, he got it approved. Then next hassle was calling the regular support line and getting the new card expedited. All done except that these delays prevented some actual biz purchases I needed to make 🙁 Chase really knows how to make things difficult…

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