Credit Card Details

Ink Bold(SM) with Ultimate Rewards(SM) - $100 Bonus Cash Back

Credit Card
  • Earn over 50,000 bonus points in your first year*
  • $100 cash back after first purchase that's 10,000 bonus points*
  • No limit to the number of points you can earn - and points never expire.
  • Earn up to 47,500 bonus points every year*
  • No Interest Expense and up to 30 days to pay with this pay-in-full charge card.
  • First year free ($95 value)*
Introrate (purchases)
N/A *
APR (purchases)
None *
Annual fee
$0first year, then$95.00 *

REVIEW

The Ink(SM) Bold with Ultimate Rewards(SM) is currently the only business credit card from Chase that comes with an annual fee, but this should not deter you from considering this card if your business activities involve frequent credit card purchases by either you or your employees. Furthermore all employee cards are issued at no additional cost.

Initially this reward program can seem a bit confusing, but for business owners with a good estimation of their spending there can be an accurate evaluation of the total points earned compared to other cards. The bonus point system has three trigger levels. First level is $25,000 and the second level is $50,000. The final level is $100,000 in a year that rewards the maximum points. If you reach the first level you will earn 7,500 points and by reaching the second level you will receive another round of bonus points that will get your total up to 22,500 points. The third level gets you the maximum bonus points of 47,500 and these points can be redeemed for cash back starting at 2,000 points for a $20 check. This means the bonus points alone are worth up to $475 each year if this redemption method is chosen and there is no risk of losing out on the reward, because points never expire.

There is no pre-set spending limit for this card, which means the balance must be paid in full each month however it also means you never have to worry about over the limit fees and embarrassing credit card declines in front of business partners. It is also accepted worldwide wherever Visa and MasterCard are accepted.

The Ink Bold card also has a benefit that no other Chase business card has. You receive a complimentary Airport Lounge with Priority Pass membership for the first year granting you access to over 600 airport lounges in 100 countries.

There are many other travel benefits associated with this card. Trip cancellation insurance reimburses you for qualified purchases. Trip delay coverage gives you money back for expenses occurred if the trip is delayed by more than 12 hours. If your baggage is lost or stolen you can get up to $3,000 provided, and if the baggage is delayed you may get up to $500 for the purchase of essential items.

Cardadvantages.com finds this card to be an excellent choice for anyone spending at least $25,000 a year and if your business involves air travel as well, the Ink Bold is even better.

REWARD FEATURES

Reward type:
Points
Sign up bonus:
5,000 bonus points after your first purchase
Points per dollar:
1 point
Additional points:
2 points on airfare purchased online through Ultimate Rewards Travel Tool
Points redemption:
Redeem for airline tickets, cash back, statement credit, gift cards, or merchandise
Other bonus points:
7,500 points after spending $25,000 and 15,000 more points after spending another $25,000 and finally 25,000 more points after spending another $50,000
Reward expiration:
None
Limit:
None
* Please see the Ink Bold(SM) with Ultimate Rewards(SM) - $100 Bonus Cash Back credit card application for details about terms and conditions. When you apply for a credit card you can review the terms and conditions on the credit card issuer´s official web site.