New Chase Ink Bold/Plus Offer: Spending Requirement Halved to $5,000 Within 3 Months

by on November 12, 2012 · 39 comments

in Chase, Credit Cards

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There’s been a rumor for a while that Chase was going to decrease the minimum spend requirement on its line of Ink products from $10,000 to $5,000 and the main links at have been updated to reflect the lower requirement. However, some people in forums and in the comments of other blogs (like MMS) have reported application errors this past weekend.  I know Chase is officially changing the offer within their affiliate network sites (like mine) on Tuesday, so my guess is that the offer will be officially aligned in all networks (in branches, through and in affiliate networks) this week and the errors should go away. It takes a lot of time and effort for Chase to align a new offer through all networks, so if you are trying to plan your next round of credit card applications, my guess is this offer should be around for a while, but I’ll update once I get official clarification.

New Offer:
Ink Bold 50,000 points after $5,000 spent within 3 months

Ink Plus 50,000 points after $5,000 spent within 3 months

Expiring offer:
Ink Bold 25,000 points after first purchase and an additional 25,000 points after $10,000 spent within 3 months

Ink Plus 25,000 points after first purchase and an additional 25,000 points after $10,000 spent within 3 months 

Off the bat, clearly $5,000 minimum spend is better than having to spend $10,000 for the same amount of points, but the only consideration I could see is that the current offer that expires tomorrow gives 25,000 points after the first purchase and then the second set of 25,000 after $10,000 spent within 3 months. This offer is better for people who a) can’t spend $5,000 within 3 months or b) those who will easily spend $10,000 (which isn’t hard to do with purchasing Vanilla reload cards at stores like CVS) and would rather have the initial 25,000 points before having to hit $5,000 in spend. Chase is very good about posting sign-up bonuses, so with the current $10k spend offer, you should get your first batch of 25,000 points once your first statement closes when you first use your card.

If you’ve gotten the cards recently with the $10,000 spend requirement and would rather have the $5,000 spend offer, you can call Chase or send them a secure message ( -> Secure Message Center) and ask to be given the $5,000 spend requirement offer. Chase is generally very good at honoring better promotions if you’ve signed up within the past 90 days or so.

I think the Ink Bold and Plus cards are among the very best business cards on the market and the 50,000 point sign-up bonus is worth about $1,000 on it’s own – making it a no brainer especially since the $95 annual fee on both cards is waived the first year. I actually have three Ink products: the Old Bold, New Bold and Ink Plus, and they are an integral part of my Ultimate Rewards points earning strategy since they allow me to earn 5x points on office supplies/cell phone/internet/landline/TV spend and 2 points per dollar on gas stations and hotels (though I put hotel spend on my Sapphire Preferred to get 2.14 points per dollar). While it’s lucrative to buy Vanilla Reload cards and then load your Bluebird account to pay your everyday bills (even your Chase credit card!) the Ink products are good for the other bonus categories and no foreign transaction fees as well. All in all, the Ink cards can be powerful tools in your points-earning arsenal, and the lower minimum spending requirement only makes them that much more attractive.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • Rich Bakken

    Signed up over the weekend with the old offer, and when I called the reconsideration line today the agent would not honor the new offer for me. Guess I will try the secure message route – she was very adamant about not being able to give me that offer…

  • thepointsguy

    You’ll sometimes get uneducated reps… I think the secure message route will be your best bet. Let us know how it plays out!

  • Csenio

    In your opinion should one first apply for the Bold or the Ink if they intend to eventually apply for the other at some later date?

  • redcat255

    Was approved for the Ink Plus last week. Used secure message and was told they will not match the new offer. Perhaps they’re getting more difficult about this?

  • G3ek

    I thought you mentioned that if you “completed the circle” that would be considered money laundering and you would get your account shutdown.

    “pay your everyday bills (even your Chase credit card!)”

  • thepointsguy

    I haven’t heard of anyone getting their accounts shut down, so I don’t know what the limits are. I do always recommend caution and not going out of control with withdrawing money or “completing” the circle. But the fact of the matter is that you CAN use Bluebird to pay Chase credit card bills.

  • thepointsguy

    Hmm maybe? I’d try again or call.. never hurts to ask– again

  • thepointsguy

    You mean Ink Bold or Ink Plus? They are the same thing, except Bold is a charge card so you have to pay it off every month or you get hit with insane fees and surcharges.

  • Nate Haley

    Which of these are better? They look very similar. Are they both Mastercard’s?

  • Mindray

    TPG, a lot of other points blog reported this weekend that Office Depot stopped selling Vanilla Reloads. For a lot of people that is going to be a huge blow to their points earning strategy.

  • Jake

    i got ALL my accounts shut down by chase because of vanilla reloads at OD. i don’t recommend doing bluebird or vanilla even if you can find them…

  • Santastico

    Brian, what would be the best card to buy airline tickets? I have the Chase Sapphire Preferred, Amex Platinum and Amex SPG as options.

  • Eric

    Can someone apply for both of these cards? If not, which one should be used?

  • thepointsguy

    You can still buy them at other locations, like CVS although not at the 5x. The situation is still developing, but it does seem like the super lucrative Office Depot option is ending

  • thepointsguy

    You’ll get 2.14 ultimate rewards points for sapphire so I’d use that, then SPG Amex then Platinum Amex. Go through a shopping portal and book through a site like Expedia for even more points

  • thepointsguy

    You can get both, but likely not on the same day. Plus is a credit card (pay over time if needed) vs Bold is a charge (more spending power but need to pay off in full every month). Pretty much the same product otherwise

  • Ron

    It seems the old Ink Plus is the best deal. You get 25K for one spend and another 25K for only $1000. Am I missing something? Isn’t this the best option for small spenders?

  • thepointsguy

    It’s $10,000 spend for the other 25,000 points unless you have a link that shows otherwise!

  • JP

    is this a limited time offer or is this going to the new requirements going forward for the 50K sign up bonus?

  • Carlos

    Pathetic, guy.

  • seth

    You have a typo in your posting that shows 1,000 instead of 10,000

  • Ron

    I was using the language in your post above for the old Ink Plus. It says “an additional 25,000 points after $1,000 spent within 3 months”. However when I clicked through the Chase site correctly states it’s 25,000 points after $10,000 spent. I thought it was too good to be true.

  • thepointsguy

    Sorry it’s actually 10,000- will fix

  • Brent

    I upgraded from the old INK Bold to the new one about 2 months ago. Would it be too soon to get the INK Plus?

  • Eric

    Stop advertising that they’ll let you switch to the new offer. After many attempts, I am convinced that they won’t.

  • Allen

    I do have a small business that I do for a bit of side income, so I am thinking about signing up. However $5K of spend in 3 months would be stretching it. I could make it by prepaying my wireless phone bill, cable internet bill, and utilities.

    Looking at the differences between the two cards, the Ink Bold card is a pay in full every month card (not a problem). The Ink Plus card is a credit card, in which you could carry a balance (although I never would). So I am looking at my long term strategy. I already have the Sapphire Preferred. Would it be best to get the Ink Bold card now with the intent in cancelling in 11 months? And 6 months from now apply for the Ink Plus card (if it has similar or better terms) on the premise (if I would need to call the reconsiderations line) that I needed a true credit card to “have cash flow flexibility”.

    I am just wondering if getting the Bold now and then talking my way (if needed) to the Plus is the best option?

  • RP

    I got the Bold about 95 days ago and can’t get the new offer, after 2 emails and 1 call. Scared to call again…

  • G3ek

    I have just started doing the Bluebird thing. I have a lot of accounts at chase including personal and business including a mortgage with over 200k points. I really want to do the bluebird but I get worried b/c of all the horror stories. (the OD has VR near me)

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  • Scotty

    Just was approved this week for both an Ink and Ink Bold, but havent yet received my cards. I had thoght I was getting the old offerf 25K with 1st purchase, and 25K pts with $10K spend. I wonder if I just under the wire, and actually will get the 50K with $5K spend?? I can certainly do this on one card anyways. If it turns out I do get the offer, I wonder if I can go _back_ to the old offer on one of the cards, so I get at least 25K points without having to make any spending goal??

  • thepointsman

    Actually, Ink Plus includes a complimentary lounge club access whereas Ink Bold doesn’t.

  • Jeremy

    I keep getting “Offer Unavailable” after I submit my application.

  • Eric

    Is there a benefit of picking one over the other if I’m just going to start with one?

  • Rich Bakken

    Called again today, and was able to get the offer at the 5k level! Now I’m just curious about how the best way is to get the UR points from the business to personal accounts (they said they are separate and can’t be linked?)

  • Tim ‘Roger’ Harvey

    FWIW… turned down changing over the Ink account I signed up for a week ago. Looks like I better call. :)


    Please note that the promotional offer for new applicants
    keep changing periodically based on market conditions and
    campaigns. Hence, I regret to inform you that we are
    unable to reduce the minimum spending limit to $5,000 for
    the bonus points. As per the bonus offer on your account,
    you are required to spend $10,000 in the first 103 days of
    account open date.

    I understand you may be disappointed and I am sincerely
    sorry for any confusion. Please know that we will consider
    reviewing the terms of other offers you receive in the

    If you have any further questions, please reply using the
    Secure Message Center.

  • ronbrinkmann

    For what it’s worth, I signed up a few weeks ago for the $10K spend offer on the Ink Bold and got my card today. When I called Chase and asked about switching to the new offer they said that all I had to do was call them after doing a $5K spend and they’d credit my account for the full number of miles.

    Now I wonder if that means that I’m going to actually get 25K after 1st spend and then another 25K after spending $5K.

    At any rate, it’s a little bit scary taking it all on faith that they’ll do what they say after a $5K spend but hopefully it all works out.

  • Scotty

    Got both cards today. Called to activate the first card (INK BOLD), and request the new 50k/$5K bonus offer. CS rep said she’d “put in the request” and I should hear in 7-10 bd. The way she was talking, I’d still get the 25K with 1st purchaser then (I guess) the other 25K with only $5K spend. She said to use the card immediately (with emphasis on “immediately”), so the powers-that-be would see I was serious about meeting my S Goal.

  • john

    How much were doing doing a month?

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