Chase INK Credit Card Review 2019
Spend $3000 within 90 days and get a $500 cash bonus!
Plus earn up to $750 more in referral bonuses!

Chase INK credit card review
Rating: 5 / 5 by
Last Updated: August 4, 2019

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CAUTION: If you currently have credit card DEBT and are paying interest on your credit card debt, please don't get this new credit card or any other new credit card. Focus on paying off your existing credit card debt. The typical credit card charges about 20% interest per year. If you have a $1000 credit card debt, you are probably paying about $200 in interest every year. This is bad. Pay off all your existing credit card debt first.

I like saving money and I like making money. If you are financially responsible and know how to use credit cards without going into debt, credit card sign up bonuses are a neat way to make a little extra cash. While personal credit cards typically have smaller sign up bonuses ($0 to $100 or $200), the Chase Business Ink Unlimited Visa credit card has a whopping $500 sign up bonus (when you spend $3000 within the first 90 days of having the card). More importantly, the Chase Ink card is available to anyone with a "business", including "sole proprietors". If you typically spend $1000 per month or more on your existing credit card or cards, you can sign up for this new Chase Ink credit card and get a $500 cash sign up bonus. Plus, after you get the Chase INK card, you can refer friends and family, and you'll get an additional $150 referral bonus (up to $750 per year) for each friend who signs up for a card.


$500 SignUp Bonus Cash Back
  * After you spend $3,000 on purchases in the first 3 months after account opening.

Up to $750 in referral bonuses each year
  * After you get the card, you can earn $150 each time you refer a friend and they open a new Chase Ink card (up to $750 each year).

  * The Chase Ink Business Unlimited card is FREE and has NO annual fee.

  * 0% intro APR on purchases for the first 12 months, after that variable APR of 15.49% – 21.49%
  * I still recommend that you pay off your balance IN FULL every month, even if the interest rate is 0%. Paying off your balance every month is just a good habit to have.

  * Earn unlimited 1.5% Cash Back rewards on every purchase

Apply for the Chase INK card (with $500 bonus)

Frequently Asked Questions (FAQs)

Do I need to have a business to sign up for this card?
Yes, it is a business card so you need to have a "business", but in reality almost anything counts as a "business". For example, if you have sold anything on ebay or craigslist, you have a "business". Your "business" can be a solo proprietorship in your own name. In fact, that is the simplest way to get a business credit card. Just use your first and last name (i.e. John Smith) as the name of your business, and be a sole proprietor. In California, and in many states, if your business name is your own name, you don't need to have a fictitious business name or file any paperwork.

Does my business need to make a lot of money and/or have been in business for a long time?
No. If you have decent personal credit and a decent household income, you can have a new "business" that doesn't make very much and you'll still get approved. Here's a cheat sheet I saw on slickdeals (thanks to slickdeals user JaTaN) recommending how to fill out the Chase Ink application, and get approved:

Legal Name of Business: your name only (ie "JOHN SMITH") don't add anything extra to it or else they'll ask for proof
Business Name On Card: same as above (ie "JOHN SMITH")
Type Of Business: Sole Proprietor
Business Tax ID Number: your SSN
Business Address: your current address
Business Revenue: most people are fine with $1000-$2000
Years in business: 1
Number Of Employees: 1
Business Category: Retail Nonstore / Used Merchandise / Used Merchandise
Your Title As Authorizing Officer: Owner
Your personal info/SSN/birth date
Annual Income: your total household income

Will this effect my credit report and/or credit score?
Not much and not for long. If you are planning to apply for a new mortgage or other major loan in the near future, I probably wouldn't apply for any new credit cards, but otherwise the effect of a single credit card application is fairly small and doesn't last very long.

Can I only make business purchases with this card?
Technically, this card is intended for business purchases, but in my experience as well as others, anything that you purchase with this card will count towards your sign up bonus and will also earn 1.5% cash back.

How do I get the $150 referral bonuses with this card (up to $750 per year)?
After you are approved and you receive your new Chase Ink card, you can go to and enter your last name, your zip code, and the last four digits of your card number, and you will get your own personal referral link that you can use to earn referral bonuses when your family and friends sign up for this card.

Disclaimer: The above sign up link is also my personal referral link. If you apply for this card using the link above (and if I am lucky), I may earn a referral bonus (so thank you for using my link!). Also, I have no formal financial training, so take any advice I may seem to give here with a grain of salt. I live by the simple words "spend less than you make" and "it's better to have money in the bank instead of being in debt". Credit cards can be (financially) dangerous if you are not financially responsible. Again, if you currently have any credit card debit and/or if you don't pay off your full balance each month, fix those problems before you get any new credit cards, including this card..

Apply for the Chase INK card (with $500 bonus)


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