Advanced Chase Credit Card Point Strategy - The Chase Infinite Ink

[@deanyt3697]

This is easily the best credit card channel on KZbin. Feels like “Credit Cards: Underground”. Subscribed! I love the non-scripted feel, like you’re just having a conversation with us.

[@doublesidedtape1000]

Even in 2019 I was opening multiple Ink Prefereds under my SSN. Currently on ink #11 in four years.

[@DTD2003]

Love this data point. I'm pretty conservative and rotate between P2 and myself with cycling here. Nice to see people pushing envelope and not getting shut down. 😎

[@jiovaniortiz8514]

Are you doing what he explains in the video? Closing the previous cards?

[@doublesidedtape1000]

@@jiovaniortiz8514 I close them occasionally, currently I have 6 open, between CIC and CIU.

[@doublesidedtape1000]

@@DTD2003 I never went at a faster velocity than 1/90, except for the MDD of CSR/CSP that I did in 2020. Chase stopped approving for Sole Props during the pandemic, but I got 4 inks in 2019, 3 in 2021 and 3 in 2022. Thankfully my P2 has been able to get her credit score up significantly and she should be getting her first ink in the next few weeks.

[@AirOnJohnson]

Don't you have to wait 2 years to get the bonus again?

[@LK_EBM]

Subscribed! Hope you keep it up with these frequent credit card churning uploads! Sadly I'm at 5/25 until Summer 2023

[@ipaad]

Your content is amazing!!! Don't stop posting videos. These tips are insanely valuable.

[@WhoDeanyUnchained]

Yup, you are correct. I've never heard this one before. Thanks for the info. Keep em coming!

[@LooseJointhiphopdance]

This is a great video. I learned so much and I will definitely watch it again as well as your other videos on apply as a sole prop. I actually have business Accra with Chase but haven’t applied for the business cards or any personal chase cards yet. I’m currently at 2/24 and I’m already approved for the CFU, CFF, CSP and CSR cards. Just haven’t made a move yet. You encouraged me so much with this video on the BIU and BIC.. woooow. I have to get in the game to play the game.

[@itsprezkev]

Hey just saw this comment and it stood out. Are you saying you have a business in Accra (Ghana)

[@LooseJointhiphopdance]

@@itsprezkev No, that’s a typo. I meant to write, business “account” with Chase.

[@joethong726]

i come back to your channel all the time hoping you will update. but you seem to stop updating :(. quick question though, does this hack work on the ink preferred too? I have one ink preferred already and seems like the welcome bonus is the highest right now

[@scottfala3021]

Is there any risk of Chase clawing back the SUB if you cancel before having the card for 12 months? I've heard this to be the case for personal cards, at least. Great content, by the way!

[@kennethwang1666]

probably yes

[@parkour267]

Its in their terms i think and it has happened reading online. Beat to always wait for anual fee or one year for free cards to not mess things up

[@andrewcho4]

Great video! Do you happen to know if you need to wait a certain time frame after cancelling a ink card to reapply for the same one?

[@mattpioletti6450]

If you're looking for some of the best business credit cards on the market get all of the ink cards I have all of them except for the new one that just came out a month or so ago something like that they are awesome

[@BlueBomb360]

Should you wait a year like with other cards before closing to free up credit line?

[@vtecmikee]

What referral link to use and how to MS that much in 3 months? What nuances associated with the spending?

[@SunWKim]

What happens when the average age of your credit card goes down with each application of a card? Wouldn't your credit score drop at some point to not allow approval?

[@ej.finance]

Since they are business cards they don’t report to your personal credit report. The average age of your accounts won’t change. You may get a hard inquiry, but that’s it.

[@businessandtechforyourfutu2754]

Can you do this strategy with other businesses cards from American express for example?

[@michaelstewart1838]

Doubtful. Update you have, hmm??

[@newagain9964]

No.

[@parkour267]

No because amex has limit one bonus of card per lifetime moat of the time with some targeted exceptions

[@nathanstepp86]

Do you think we should wait for the 90k offer to apply for these again? Or go for at the current 75k offer. I got 3 different ink cards last year from Aug-Jan with SUB of 100k,90k, and 90k so over 300k total after spending in just about 6 months. I’d like to do that again this year if possible

[@ej.finance]

3 cards that quick is pretty aggressive. I don’t anticipate the 90k offer returning soon but regardless would wait a few months and see if it comes up. In the meantime you can work on some other business cards from other issuers that don’t affect your 5/24 status

[@CalrosACJ55]

Am I allowed to apply for the same exact card again with the same EIN?

[@ej.finance]

Yup, I have without issue. Just keep the velocity of new ink cards reasonable

[@CalrosACJ55]

@@ej.finance thanks for your reply, super helpful! I did my ink cash on sep 27 2022 and my ink unlimited Jan 3rd of this year. I have a really good expense to put on the card right now so I was wondering if you knew of some data points similar to mine? Is it too soon for another unlimited/cash? Would it matter if I do an unlimited instead of a cash?

[@ej.finance]

@@CalrosACJ55 I think you would be fine for a third but I would take a long break after, probably avoiding another ink for at least a year. Between Cash and Unlimited it doesn't really matter. You could also grab the business preferred instead if the expense was large enough. I currently have two open ink cash cards and one open ink unlimited card for three inks total all under the same EIN. If you are able to use the referal in the descripton I would greatly appreciate it!

[@robertdumrauf808]

Hey Ethan. Thanks for the video. I have a question. I got the CIC and CIP in 2019, and I later changed the CIP to another CIC. I would like to apply for the CIU. In the video you mentioned closing a card in order to free up enough credit limit to get approved for another card. Is this the only reason? If I have the two CIC cards and I am under the 50% in total credit limit from Chase, am I okay to apply for the CIU now, or do you think I should close one of the CICs just to be safe? I will use your link in the description unless you want to send me a more current one. I'm currently at 5/24, but I'm going to give it a shot since it seems like Chase might have loosened up on the rule for business cards. Thanks again for the info!

[@ej.finance]

You should be safe and can use this link: Earn 100,000 bonus points with the Ink Business Preferred® card or up to $1,000 bonus cash back with the Ink Business Premier® card, Ink Business Unlimited® card or Ink Business Cash® card. I can be rewarded too, learn more. www.referyourchasecard.com/21j/09ZNIBYGI3

[@NKKK19]

I’m currently at 2/24 (United Explorer and CSP) and transitioned to churning Inks in July 2023, currently holding the CIBC and CIBU, and planning to open one every 3-4 months. Is there any reason to apply for non-Ink cards (since I can practically open 3 more non-Ink cards) when I’m getting 90k URs every 3 months by just churning the Inks alone?

[@ej.finance]

Mostly comes down to risk tolerance

[@smashreviews5960]

Oh man, i just stumbled on your channel recently and I tell ya I have already learned so much!!! I never knew you could apply for INK cards multiple times and get the SUB multiple times within 2 years (24 months) somone had told me a couple years ago that ou can get Sapphire cards every 4 years and Ink cards every 2 years. I just want to clarify you yourself have been approved with the SUB multiple times on the saem card on the same year? Also how long exactly have you done this rinse and repeat? And last thing how long should you wait after cancelling the card to reapply for the same card?

[@KSGboss]

Awesome guide! Just got approved for the Ink Unlimited but had to go through a branch to get approved bc I'm over 5/24. Would love to drop my referral, but seems like comments with links get auto deleted.

[@ej.finance]

I don’t really think i can fix that. Shoot me an email with your link, im getting another one soon.

[@KSGboss]

​@@ej.financedone, sent to the email in your description. Which card are you getting?

[@jenniferwatkins8621]

Is there a specific card you must hold to transfer out to travel partners? If yes, would a personal Sapphire card suffice?

[@ej.finance]

Yes to both. Thats how mine is set up. If its your first business card though, the card sometimes may show up on a different chase account then your personal cards. If so call chase and get the accounts combined so all your personal and business cards automatically show up on the same account.

[@jenniferwatkins8621]

@@ej.finance thank you so much!

[@Eckh4rt]

Can I apply for ink cards while over 5/24?

[@Embrxceyourdemons]

If i remember correctly if it’s your first chase business card you must be under 5/24

[@jameslee5603]

I applied for the CIU for my LLC using an EIN but also supplied my personal SSN during application. I'll be done with the spend in month two. Can I then apply for the same CIU for my other business as a sole proprietor using my SSN and get the SUB? There's also P2 involved. What should the velocity of our card openings be? Also, thank you for your videos.

[@ej.finance]

For ink cards 3 a year is pretty safe but still aggressive enough to be worth it. You can get the sign up bonus again yes, even if you were to use the exact same business, EIN, SSN, or whatever.

[@dibs6579]

The smirk on this guys face is awesome 😂

[@CalrosACJ55]

Subbed

[@hasanhuda8762]

I'm applying for the Chase Ink Cash card now, and it says on the certifications that: 10) The new Cardmember bonus offer is only available if I do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. Is this a new change, or is this something that isn't enforced and I can keep getting the intro offers?

[@ej.finance]

Currently not enforced. If you could use my link for the ink cards it would be greatly appreciated! www.referyourchasecard.com/21m/02A210XMX4

[@AirOnJohnson]

This seems hard to believe. I've been waiting the two years. I'm going to do it after two years then I'll try the rinse and repeat.

[@byeehaaw]

@@ej.financecan anyone here confirm that they’ve gotten a second bonus before 2 years?

[@ordep810]

Does this work with other chase business cards like the hotel or airlines cards?

[@ej.finance]

The ink cards are the only cards with this exception. You can transfer the points from the ink cards to hotel/airline programs that are in the UR partnership.

[@ordep810]

@@ej.finance I take it it's more risky with only a P1 strat?

[@stacy_marie]

What’s the best Ink to pay household bills on for max rewards?

[@dylanyoung7315]

Ink cash, but visa gift card at Office Depot and pay bills with it

[@smaranh]

How do I transfer my business account Ultimate Rewards to my personal CC's Ultimate Rewards?

[@ej.finance]

If you currently have them on two separate logins you have to call them. They can combine them onto one login and then you can move them around.

[@smaranh]

@@ej.finance Thanks 🙏

[@CarterNL414]

Has anyone tried this using a sole prop? I currently have the Ink Cash and Unlimited which weee approved in the last two months

[@ej.finance]

While I have an LLC now, I originally opened three ink cards all as a sole-prop with the exact same info in a 1 year period and received three bonuses

[@CarterNL414]

@@ej.finance awesome. I’ll give it a shot in a few months when I can make the SUB again

[@DugrozReports]

I've been approved for 3 Ink cards since 2019 as a sole prop.

[@brianpatterson5244]

What is your credit score?

[@ej.finance]

Fluctuates between 750-810 depending on how many cards I have opened in the recent past. On time payments is virtually the only metric that will significantly impact your score.

[@aprilye8585]

is there foreign transaction fee on either of these cards?

[@NKKK19]

Yes

[@helmutliess698]

I came across the language that you can only get the bonus every 24 month. Has anyone earned multiple sign up bonus recently

[@ej.finance]

It’s not enforced still. Ill update the video if they start enforcing it.

[@johnappleseed6926]

No way due this still work

[@ej.finance]

Chase inks still don’t limit Sign Up Bonuses