Sunday Reader Question: Can I Get the Ink Bold and the Ink Plus?
Update: Some offers mentioned below are no longer available. View the current offers here.
TPG reader JP wants to get another business credit card (and sign-up bonus!):
"I have a question about a business credit card I would like to apply for. I have the Chase Ink Bold charge card and earned the 60,000-point bonus back when there was a promo. I am ready to apply for another card to build my Ultimate Rewards points now. I was interested in the Chase Ink Plus card and was wondering if having the Ink Bold will prevent me from earning the 50,000-point bonus on the new Ink Plus."
The short answer is: yes, you can get both the Ink Bold and Ink Plus. In fact, I have both cards myself and got the sign-up bonuses on both. Having both cards gives small business owners like me a lot of options for maximizing both my credit and the points I earn with my cards.
Each card comes with a 50,000-point sign up bonus (good for you getting in on the 60,000-point bonus in April, JP), so with the two of them, you're earning 100,000 points off the bat. Just remember with each card you have to spend $10,000 within the first 3 months in order to get that bonus, so you're looking at $20,000 minimum spending within 3 months at least. Just keep that in mind and don't bite off more than you can chew. I value Ultimate Rewards points at about 2 cents each, so that 100,000-point bonus is equivalent to $2,000, or at least a 20% return on your minimum spending.
Although these cards are nearly identical, there is one major difference. The Ink Bold is a charge card while the Ink Plus is a credit card. Charge cards give cardholders a lot more spending power, but require full payment every month or else you get hit with high fees and penalties. Credit cards generally have pre-set limits, but if you need to carry a balance, the cost is less (though still not a bargain) - this is still a good option to have as a small business owner so you have the flexibility to carry a balance if you absolutely must.
Both are the "premium" Ink Bold cards in that they have $95 annual fees (both waived for the first year), and accrue points into Ultimate Rewards, which allows partner transfers to United, British Airways, Korean, Southwest, Hyatt, Marriott, Ritz-Carlton, Priority Club and Amtrak. Both award 5 points per dollar spent on office supplies/cell phone/internet/landline/TV spend on office supplies (up to $50,000 per year), 2 points per dollar on gas stations and hotels (up to $50,000 annually) and 1 point per dollar on everything else.
If you spend a lot at office stores, you can really start raking in those points with the 5x bonus. Essentially, if you plan intelligently, you can earn half a million (500,000) points at office stores using both cards to their full potential. That's a lot of free travel!
One more thing to note: even though the Ink Plus is a business credit card, when you apply for it, you will get a little 2-5 point ding on your personal credit score if you're applying with your own social security number, but once the account is opened it will sit on your business credit report, so it won't affect your personal credit utilization.
If you get declined, you can always call the business card reconsideration line and ask them to approve you. In my experience, Chase customer service is great and easy to persuade when presented with all the information, so it can't hurt to try...especially with this many points on the line.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
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- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
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- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees