One of the best credit card offers currently available is the Chase Ink Unlimited 90,000 point offer. At the time I’m writing this (3/2/2023), the card is currently offering 90,000 Chase Ultimate Rewards Points after spending $6,000 in 3 months. It’s an offer that won’t be around forever, so you should take advantage of it if you can.
That’s what I did recently, opening up a Chase Ink Unlimited for both me and my wife. I first opened it for myself, which makes me eligible for 90,000 Chase points. I then used my card to refer my wife, earning me 20,000 Chase points and making her eligible for another 90,000 Chase points. Together, that’s 200,000 points that will serve us well.Â
This is going to be a quick post, but I thought I’d quickly go through the eligibility requirements for the Chase Ink Unlimited, walk through what the application process was like for the two cards I just got, and discuss some of the super secret expert things you should know about this card.
What Do You Need To Be Eligible For A Chase Ink Unlimited?Â
At the outset, it’s important to remember that the Chase Ink Unlimited (and all of the Chase Ink branded cards) are business credit cards. In the world of credit cards and travel rewards, business credit cards are some of the most important cards available to you. I wrote a long post about exactly why business credit cards are so important – you can read that post if you want to get more in-depth information: Business Credit Cards: The Ultimate Tool For Travel Hackers.
To qualify for a Chase Ink Unlimited, you’ll need to have a business of some sort. However, that doesn’t mean you need to have an official, incorporated business or something that seems like a formal business. Anything that earns you extra income qualifies as a business, even if it’s not a large business and even if it’s not something that seems like a business. That means things like food delivery or other gig economy apps would qualify as a business. Even something as small as selling things on eBay or Facebook Marketplace qualifies as a business. If you look, I’m fairly confident that most people reading this will have something that is a business or could be a business.
When you apply for a business card like the Chase Ink Unlimited, you’ll need to enter your business information in your application. If you’re a sole proprietor – which most businesses are – you’ll be entering your own name and social security number as your business information. You don’t need to make up a business name or anything like that (and indeed, you should not make up a business name because that will mess up your application).Â
The application has a section where you pick your industry. You’ll need to pick something close to it, but don’t get too hung up on getting this exactly right. It’s possible that there isn’t any specific category that matches what you’re business is – which is totally fine.Â
Finally, when you’re applying for a business card, you’ll need to enter your expected revenue as part of your application. This usually won’t impact your application, but in my experience, you don’t want to put your revenue as $0 or some really low number. If your business doesn’t make a lot of money, an optimistic, projected revenue is what I’d recommend putting down.
My Applications For The Chase Ink Unlimited
I applied for the Chase Ink Unlimited using my rental property as my business. I don’t have any formal business structure for my rental income, so I applied for the card as a sole proprietor, using my social security number as my business ID. Once I submitted the application, it went pending, which is typical for me when I apply for Chase business cards. All this means is I wasn’t instantly approved and it needs to be reviewed before approval. In itself, going pending isn’t a problem. The majority of the time, you’ll get approved without any other action on your part. If Chase does need anything, it’ll usually be to verify your identity or address using a utility bill or something similar.
Chase has a phone number you can call where you can get an automated update about the status of your application. When I called the number, it said my application has been received and I’d receive a decision within 2 weeks. Again, this is all totally normal. A few days later, I received an email letting me know that my application had been approved.Â
Once I received my card, I went and generated a referral link for myself through Chase’s refer a business page. I then used that link to refer my wife. For the business, we used the same business – the rental property. This time, we used her name and social security number for the business and used the same revenue numbers. Her card was instantly approved, which was a nice surprise (like me, my wife’s Chase business card applications usually go pending for a few days before getting approved).
And with that, we have two new Chase Ink Unlimited cards that will earn us a combined 200,000 Chase Ultimate Rewards points after we hit the minimum spend on each card. That’s 90,000 points for her, 90,000 points for me, and then an additional 20,000 points for referring her.
The Super Secret Expert Things You Should Know About The Chase Ink Unlimited
One of the interesting things about the Chase Ink Unlimited and other Chase Ink business cards is that you can continue to earn signup bonuses on the cards even if you already earned the bonus in the past. Other Chase cards have long restrictions on when you can earn a bonus. Most are 24 months, but the Chase Sapphire branded cards have a long 48-month wait between when you can earn the bonus on them again.Â
In contrast, you can keep opening up Chase Ink cards and as long as you’re approved, you’re eligible for the bonus. I regularly snag a Chase Ink Unlimited, Chase Ink Cash, or Chase Ink Preferred every few months, depending on how much I have to spend and which cards are offering better signup bonuses. If you’re strategic, you can accumulate a large stash of points by getting new Chase Ink cards for your business.
That gets me to my next point. You can also have multiple Chase Ink business cards. In theory, each card should be for a different business, but in practice, it doesn’t seem like that matters. I rarely change the business I use when I apply for a Chase Ink card and I’ve never had an issue.Â
There’s no hard limit on how many Chase business cards you can have, but in general, I try to have a maximum of four Chase Business Cards open at a time. I’ve found once I have four, I can sometimes run into problems getting additional business cards from Chase. That being said, my brother has had as many as seven Chase business cards open at once, so your experience may vary.Â
As for how long to wait between applications if you’re thinking about getting multiple Chase Ink cards, I typically recommend waiting at least 2 or 3 months between cards. Again, none of this is a hard rule, but I’ve found more success getting new cards when I take a break between new cards.
For this round of applications, my last Chase Ink business card was from September 2022, and my wife’s most recent one was from July 2022, so we had plenty of gap between when we last got the cards.
Final ThoughtsÂ
The Chase Ink Unlimited is an excellent business credit card offering a great bonus. So long as you can meet the minimum spend requirement, I highly recommend snagging it if you can.Â
My most recent round of applications will net us 200,000 Chase Ultimate Rewards points, which would be worth $3,000 if used in the Chase Sapphire Reserve travel portal. And with the way I use points, I should be able to get more value than that.Â
Anyway, this is a quick post that I wanted to get out there, just so people can see how I think about these cards and what the application process is like. If you feel like supporting this blog, please consider using my referral links. You can find my post I wrote with what I think are the best cards for the month on this page: Best Credit Card Offers.
More Recommended Ebike/Scooters
Check out these other ebikes/scooters I've had the chance to do a review for:
- GEN3 Outcross Bike – The GEN3 Outcross is a solid, affordable fat tire ebike that does a good job of doing what I need it to do. It works great for city riding, giving me a smooth ride in all conditions. It’s works really well as a winter ebike since the fat tires give it good traction over snow and ice. Check out my GEN3 Outcross Review.
- Himiway Escape Bike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
- Espin Sport Bike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
- Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
- Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.
More Recommended Investing App Bonuses
For additional investing app bonuses, be sure to check out the ones below:
- M1 Finance ($100) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
- SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with $100 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
- Moomoo (5 free stocks) – Moomoo is a free investing app currently offering 5 free stocks (usually worth around $75-$100) if you open an account using a referral link and deposit $2,000. Read my Moomoo referral bonus guide for more information.
- Webull (5 free stocks) – Webull also gives you 5 free stock valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free stocks using Webull.
- Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
- Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.
More Recommended Bank Account Bonuses
If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.
- Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
- US Bank Business ($500) – This offer is limited to customers in the following states: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY. This is a fairly easy bank bonus to earn, since there are no direct deposit requirements. In addition, you can open the Silver Business Checking account, which comes with no monthly fees. Check out how to earn this big bonus here.
- SoFi Money ($275) – SoFi Money is a free checking account from SoFi. They’re currently offering a $25 referral bonus if you open a SoFi account with a referral link and deposit $10. You can also make an additional $250 as well if you complete a direct deposit. This is a good bank that is also 100% free, so you won’t have to worry about managing this account. Here’s a post I wrote with instructions on how to earn your SoFi Money bonus: SoFi Money Referral Bonus: Step By Step Guide.
- Fairwinds Credit Union ($100) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
- Upgrade ($50) – Upgrade is a free checking account that’s currently offering a $50 referral bonus if you open an account and complete three debit card transactions. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Importantly, this bonus says that it’s now scheduled to end on April 15, 2023. As long as you get your account opened before April 15th, you should be eligible. Here’s a post I wrote with more details: Upgrade $50 Referral Bonus – Step By Step Directions.
- Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link.Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
- Digital Federal Credit Union ($20) – Digital Federal Credit Union (DCU) is a free, nationwide credit union that I recommend to readers for two reasons. First, DCU has a $20 referral bonus if you open a free DCU checking account with a referral link. Second, DCU has a saving account that gives you 6.17% interest on your first $1,000. Check out my in-depth post on how to set this account up.
- Netspend ($20 + 5% Interest Savings Account) – Netspend is a company that provides 5% interest savings accounts. If you sign up using my referral link, you’ll get a $20 signup bonus once you make your first deposit into your Netspend account of $40 or more. That means you get a 5% interest savings account and a free $20 to start! Make sure to check out my in-depth guide on how to set up these accounts.
- Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
- Varo ($30) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $30 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.
Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.
Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.
Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:
- SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $250 if you complete a direct deposit.
- US Bank Business. US Bank is currently offering new business customers a $500 signup bonus after opening a new account and meeting certain requirements.
- M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account.
- DCU. Digital Federal Credit Union (DCU) is a free, nationwide credit union that I recommend to readers for two reasons. First, DCU has a $20 referral bonus if you open a free DCU checking account with a referral link. Second, DCU has a savings account that gives you 6.17% interest on your first $1,000.
- Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.
Feel free to send Kevin a message here.
Chase has changed it to $900 bonus cash back instead of 90,000 points
FALSE……as long as you have a Sapphire card, Preferred or Reserve the 90k points can be transferred as UR point.
Hey, when it says $900 cash back, it really just means 90,000 points. You can use the points as cashback if you wanted to, but that wouldn’t be the ideal way to use them.
Understood. Thanks
Awesome post, Kevin. If you don’t mind, would you share how exactly you spend the Chase Ultimate Reward points? Which airline partners and hotels or what is best when using the points.
Most of the time, I’m transferring Chase points to Hyatt, as that’s really one of the best use cases with them. Otherwise, for my last international trip, I transferred to Aeroplan and Virgin Atlantic.
Using points is a completely different topic that’s I can’t fully explain here, but if you wanted to keep things simple, Hyatt is probably the best transfer partner for Chase.
Great article. Wondering if you use the same chase login for all cards or do you create new user accounts as well to manage them? How do you transfer from card to card properly between your accounts as well as between you and your wife?