Chase Ink Preferred And Ink Cash Application Don’t Have 24 Month Restriction


Chase restricts new credit card bonuses to one per 24 months. This is the language that you will usually see in the offer details in an application for Chase credit cards:

This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.

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But, right now, there’s two applications on the Chase website that do not have this restriction:

These are direct links from the Chase website.

These are the current offers on these cards.

  • Ink Business Preferred Card – 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. $95 annual fee.
  • Ink Business Cash Card – $300 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening. No annual fee.

Chase 5/24 Rule

Chase also has a 5/24 rule, which is different from this 24 month rule, and is usually the biggest obstacle to many. You application for certain Chase cards are not approved if you’ve opened more than 5 bank cards in the last 24 months.

Chase Ink Business cards fall under this rule and the omission of the 24 month language doesn’t get you around the 5/24 rule.

Guru’s Wrap-Up

These applications could help those who have already received a bonus on these cards within the last 24 months, but are still under 5/24. Not many readers will fall under that category, but hopefully it is useful to some. If you plan to apply, do it quickly and take screenshots of the application.

HT: r/churning


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