Finally! Approved For Ink Cash (90K Ultimate Rewards Bonus)

by joeheg

I’ve recently been applying for more business cards. That’s because I’ve applied for many of the personal cards I needed before we ran a business and I’m under 5/24 and business card approvals will allow me to stay there.

As a reminder, when applying for Chase cards, you need to have no more than 5 new cards in the past 24 months. This rule applies to both business and personal cards. However, getting a business card does not show on your personal credit report and doesn’t add to your 5/24 total.

I recently applied for and met the $1,000 spending requirement on the Wyndham Business Earner card and was looking for a card with a great signup bonus.

Enter the Chase Ink Business Cash.

Sharon’s had an Ink Cash card for years, with another business. She downgraded the discontinued Ink Bold to the no-annual-fee Ink Cash. I don’t need the Ink Cash for the bonus categories since we don’t max the $25K limit on the card we have.

However, I did want the $900 (or 90,000 Ultimate Rewards) signup bonus for spending $6,000 in the first three months. Chase announced this best-ever signup bonus is ending soon (without an actual ending date), so if I wanted to take advantage I needed to act fast.

I’d usually ask if you would use our referral link, but that’s only for a 75K offer and I’d rather you have 15,000 more points than for us to get a referral bonus.

I applied for the card about 1 week ago and was not instantly approved.

I kept checking my online account but nothing showed up. I even called the Chase automated line for new applications (888-270-2127) and was told my application was being reviewed and I’d hear when they decided.

While some call the bank to find out what’s holding up an approval, I never call the reconsideration line. I’ll let them look into what they want and there’s a good chance I’ll eventually be approved.

After 6 days, I received an email from Chase.

Once I receive the card I can start to work on the $6,000 spending requirement.

One strange thing is that the new card isn’t showing up on my Chase Business account, as all of our other cards did after approvals. I’ll have to figure this one out later on.

But there’s one more thing.

I lied about my application. I didn’t apply for the 90K point offer. Instead, I applied through Sharon’s referral link for the 75,000-point offer. I did this because Chase has increased the referral bonus for cardholders to 40,000 points. So we’re going to get 115,000 points total instead of 90K. In addition, there are reports that you can contact Chase after being approved for the 75K offer and ask to be matched to the 90K offer. If this all works, we’ll get 130K Ultimate Rewards points.

Final Thoughts

I don’t know when this offer will go away, so I took advantage while I could. If you have a business and are eligible to apply for a Chase card, there are not many better offers than 90,000 points for a card with no annual fee.

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MFK March 18, 2023 - 5:29 pm

I recently was approved for an Ink Unlimited (not instant either) and had to manually add the new card to my business account (I’ve had an Ink Cash for awhile), so perhaps Chase has changed its systems or processes. I’ve also noticed that I can no longer combine points online with my Sapphire Preferred and have to phone them to do so. Maybe all part of the same adjustment? In any event, I’m happy to get more URs!

Christian March 18, 2023 - 5:38 pm

Do you plan on trying for the additional 15,000 points? I’m trying to figure whether to do so is worthwhile and lack specific data points.

Enjoy Fine Food March 18, 2023 - 7:34 pm

So, how ya gonna do the $6k spend?


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