Chase Matching New Ink Referral Offers, Get Up to 130K Bonus

As you’re well aware by now, Chase has two big bonuses for Ink cards. You can earn 90,000 Ultimate Rewards points when you apply and are approved for Ink Business Cash or Ink Business Unlimited. These offers are ending on March 21st, so if you are eligible, now it’s the best time to apply and get the highest ever bonus.

But while these offers are the best ever, there’s a way to get even more points. Chase recently improved referral bonuses, increasing them from 20,000 points per referral, to 40,000 points. However, when applying through these new referral links, the signup bonus is only 75,000 points.

Is it possible to combine a 90,000 points signup bonus and a 40,000 referral bonus for a total of 130,000 points? Apparently yes. There are data points at FM that show that Chase is in fact matching 75K bonuses to 90K. You just need to reach out by phone or secure message.

How it Works

If all that sounds a little confusing, here’s how it works if you’re in 2-player mode:

1. Player 1 (P1) needs to have a Chase Ink Business card.
2. P1 generates referral link here.
3. P2 applies through referral and earns 75K signup bonus. P1 gets 40K referral bonus.
4. P2 contacts Chase by phone or secure message to get matched to current best offer of 90K points (must do this before 3/21).

I prefer doing this online through secure message. You don’t have to talk to an agent and you have something in writing. To see your secure messages, just sign in to chase.com. From your accounts page, go to the side menu (the three-line icon in the top left corner) and choose “Secure messages.” All you need to do to send a message is choose “New message.”

Remember that it’s not guaranteed that you will be matched from 75K to 90K. So don’t apply from random referrals on the internet for the 75K bonus. If you don’t have anyone that can refer you, then make sure you apply for a 90K bonus.

But if the person referring you is a family member or a friend, then it’s a win-win situation. Even if you you don’t get matched to the higher offer, you still get a total of 115,000 Ultimate Rewards points (75K SUB + 40K referral).

Chase Ink Business Unlimited® Credit Card

• Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
• 0% APR on purchases on your new card account for 12 months. Variable APR applied after that.
• No Annual Fee
• LEARN MORE

Chase Ink Business Cash® Credit Card

• Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
• 0% APR on purchases on your new card account for 12 months. Variable APR applied after that.
• No Annual Fee
• LEARN MORE

Guru’s Wrap-up

This is the best time to apply for the Chase Ink Business Cash and Ink Business Unlimited credit cards. These 90,000 points offers are the best we have seen and they are available through referrals as well. If you get matched, you can earn up to 130,000 Ultimate Rewards points in 2-player mode with just one card.

Just keep in mind that these cards fall under the Chase 5/24 rule, although they don’t count towards 5/24 since they are business cards. There are some recent data points of people getting approved even at 5/25 or higher, myself included.

Let me know in the comments if Chase matches you to the better bonus, or if you get approved at or above 5/24.

Disclaimer: I receive part of the commission when you use any of the links in this article to apply for credit cards through yourbestcreditcards.com.