topic Re: Ink Cash vs Plus in Business Credit

Update-Approved Ink Plus

Anonymous — Sat, 21 May 2016 13:54:33 GMT

I'd always thought cash meant cash, but in reading, it's like freedom in that you earn UR like Freedom, but not transferable to partners (also like freedom) and you don't get extra% on UR travel redemptions.

Cash bonus says $200 so I'm guessing 20k UR (articles I've found are out of date) for $3k spend. Plus bonus is 60k UR for $5k spend. $95 annual fee (I thought I'd seen it was waived first year, but now I'm not seeing that.)

I know the hotel/restaurant difference and the cap differences, neither is a concern.

So, not having a CSP and not being eligible in the foreseeable future, I'd love Plus. But not sure I can swing $5k too easily right now AND I'm not sure about personal vs business transferring (I have a Freedom, but I THINK I couldn't transfer my personal UR from Freedom to this...is that right?)

How does what I've said sound? Am I understanding? Missing things?

I have no business credit experience. Starting an Etsy business. I have 4 chase cards $37+k, highest limit $20k.

(Typing in iPhone in between other tasks. Sorry it's not my most coherent post.)

Re: Ink Cash vs Plus

myjourney — Fri, 11 Mar 2016 20:18:41 GMT

@Anonymous wrote:
I'd always thought cash meant cash, but in reading, it's like freedom in that you earn UR like Freedom, but not transferable to partners (also like freedom) and you don't get extra% on UR travel redemptions. Only difference in Freedom and Cash is you can earn more points on Ink Cash @Anonymous you can use the same categories all year up to the 25k threshold .....Ink plus 50k.....combined 75k. Whereas Freedom is a quarterly deal maxed @ $75 per quarter $300 per year if you max all quarters

Cash bonus says $200 so I'm guessing 20k UR Yes $200 = 20k UR points

(articles I've found are out of date) for $3k spend. Plus bonus is 60k UR for $5k spend. $95 annual fee (I thought I'd seen it was waived first year, but now I'm not seeing that.) Targeted offers have AF waived on Ink Plus haven't seen it anywhere else tho...I'm sitting on one ...I've gotten 2 straight both 60k

I know the hotel/restaurant difference and the cap differences, neither is a concern.

So, not having a CSP and not being eligible in the foreseeable future, I'd love Plus. But not sure I can swing $5k too easily right now AND I'm not sure about personal vs business transferring (I have a Freedom, but I THINK I couldn't transfer my personal UR from Freedom to this...is that right?) Any points can be transferred to CSP and Ink Plus .....freedom to CSP.....Freedom to Ink.....Freedom & Ink Cash to CSP/INK

How does what I've said sound? Am I understanding? Missing things?

I have no business credit experience.Explain pls

Chase biz while I have seen some new businesses get approved more than not they don't make the cut ...Due to Chase reviewing all biz apps manually. but hey you could be one of the approved new biz so don't let that stop or hinder your train of thought by any means

Starting an Etsy business. I have 4 chase cards $37+k, highest limit $20k.

(Typing in iPhone in between other tasks. Sorry it's not my most coherent post.)

How does what I've said sound? Crazy

Lol what I'm joking you know me

Re: Ink Cash vs Plus

Anonymous — Fri, 11 Mar 2016 20:39:35 GMT

Thanks. Yeah, I didn't mean earn the same as Freedom, just that you can earn UR with Cash or Freedom but without CSP or Plus you can't transfer.

I read about two people recently getting Ink with new (I thought) or at least small Amazon/EBay businesses. I might not do this right away if there are other things I should so first. I read some of the business stuff a while ago but don't remember the ins and outs...and some of it was outdated. Long thread, etc.

Re: Ink Cash vs Plus

Anonymous — Fri, 11 Mar 2016 21:12:22 GMT

@Anonymous wrote:
Thanks. Yeah, I didn't mean earn the same as Freedom, just that you can earn UR with Cash or Freedom but without CSP or Plus you can't transfer.

I read about two people recently getting Ink with new (I thought) or at least small Amazon/EBay businesses. I might not do this right away if there are other things I should so first. I read some of the business stuff a while ago but don't remember the ins and outs...and some of it was outdated. Long thread, etc.

You are correct. I have both [ Ink Cash & Plus]. With the Ink Cash, you can't transfer.

Re: Ink Cash vs Plus

Anonymous — Sun, 20 Mar 2016 01:34:04 GMT

Welp. I applied for the Plus. uecker4life's quick approval was encouraging to me. I just hate the idea of waiting weeks. I hope I don't have to.

I kept waffling as I could have used the 0% and was a bit iffy on the spend within this 90 day window, but I can make it work. And this will pair so nice with my new FU (PC from Slate) and old Freedom, particularly in the next 6 months of groceries and restaurants (or it might be restaurants and groceries. Now I just have to decide if we want to commit to switch full-blown to UR from MR or not. Giving DH the Freedom and FU and trying to get him to use the right blue card with the slightly different little green word for one category of places...not looking forward to that. We'll see.

Re: Ink Cash vs Plus

brewcrew87 — Sun, 20 Mar 2016 02:45:22 GMT

@Anonymous wrote:
Welp. I applied for the Plus. uecker4life's quick approval was encouraging to me. I just hate the idea of waiting weeks. I hope I don't have to.

I kept waffling as I could have used the 0% and was a bit iffy on the spend within this 90 day window, but I can make it work. And this will pair so nice with my new FU (PC from Slate) and old Freedom, particularly in the next 6 months of groceries and restaurants (or it might be restaurants and groceries. Now I just have to decide if we want to commit to switch full-blown to UR from MR or not. Giving DH the Freedom and FU and trying to get him to use the right blue card with the slightly different little green word for one category of places...not looking forward to that. We'll see.

Good luck! Keep checking the app status line (and hopefully it doesn't go to 7-10 days!). Without calling that, I wouldn't have known I was approved. I still haven't received an email yet.

Re: Ink Cash vs Plus

myjourney — Sun, 20 Mar 2016 01:53:57 GMT

@Anonymous wrote:
Welp. I applied for the Plus. uecker4life's quick approval was encouraging to me. I just hate the idea of waiting weeks. I hope I don't have to.

I kept waffling as I could have used the 0% and was a bit iffy on the spend within this 90 day window, but I can make it work. And this will pair so nice with my new FU (PC from Slate) and old Freedom, particularly in the next 6 months of groceries and restaurants (or it might be restaurants and groceries. Now I just have to decide if we want to commit to switch full-blown to UR from MR or not. Giving DH the Freedom and FU and trying to get him to use the right blue card with the slightly different little green word for one category of places...not looking forward to that. We'll see.

You go girl

Good luck I'll be pulling for you

Re: Ink Cash vs Plus

Anonymous — Sun, 20 Mar 2016 13:31:35 GMT

Thanks U4L and MJ.

U4L, I'd love continued updates from you since (hopefully) I'll be following behind you. I see you updated your CL on another thread. Did it say that on the status line? On your account online? (I thought someone said business would start out on a separate log in, but maybe not for a SP using PG). And I'll be anxious to hear when you get the card.

I have a non-trivial, true business expense on Wednesday that I would have loved to have put on the card. If I had applied when I really started considering it a week sooner, maybe I would have had it by then. Oh Well.

And if I don't get this, I won't be crushed. I'll at least know.

Re: Ink Cash vs Plus

Anonymous — Mon, 21 Mar 2016 22:46:17 GMT

Approved $26.5k per status line! Highest limit previously also with Chase $20k. They basically took my RC and Hyatt limits together!

Says card will arrive within 10 business days. I may call to see about expediting if I ever get into and out of this long delayed meeting I'm waiting for.

Thanks all!

Re: Ink Cash vs Plus

myjourney — Mon, 21 Mar 2016 22:59:09 GMT

@Anonymous wrote:
Approved $26.5k per status line! Highest limit previously also with Chase $20k. They basically took my RC and Hyatt limits together!

Says card will arrive within 10 business days. I may call to see about expediting if I ever get into and out of this long delayed meeting I'm waiting for.

Thanks all!

Cha Cha Ching

Welcome to the Ink family and a big congrats on the limit

You're off and running in the business world and may you have much success with your business

Re: Ink Cash vs Plus

CreditJim — Mon, 21 Mar 2016 23:02:39 GMT

Congratulations! That's a nice starting line. I'm still waiting to hear on my Cash, checking the status line a couple of times per day.

Re: Ink Cash vs Plus

brewcrew87 — Tue, 22 Mar 2016 00:13:20 GMT

@Anonymous wrote:
Approved $26.5k per status line! Highest limit previously also with Chase $20k. They basically took my RC and Hyatt limits together!

Says card will arrive within 10 business days. I may call to see about expediting if I ever get into and out of this long delayed meeting I'm waiting for.

Thanks all!

Congrats!!

i called yesterday to get my expedited. They said it should be here either tomorrow or Wednesday.

Re: Ink Cash vs Plus

Anonymous — Tue, 22 Mar 2016 01:07:46 GMT

Who are we calling for expediting? Same app status line but make different choices? Number from the back of a personal card?

NM: Called status line and made different choices. Said 1-2 days. I have a business expense Wednesday that I'd REALLY like to put on it. I have to decide if I wait for the card and do it Wed or Thurs or just do it Wednesday morning whether it's here or not. (A course that opens and could fill up.)

Re: Update-Approved Ink Cash vs Plus

brewcrew87 — Tue, 22 Mar 2016 01:38:39 GMT

Well I just received a UPS MyChoice alert. Delivery tomorrow from Chase. You should probably get it on Wednesday. Good luck!

Re: Ink Cash vs Plus

brewcrew87 — Wed, 23 Mar 2016 17:48:56 GMT

@Anonymous wrote:
Who are we calling for expediting? Same app status line but make different choices? Number from the back of a personal card?

NM: Called status line and made different choices. Said 1-2 days. I have a business expense Wednesday that I'd REALLY like to put on it. I have to decide if I wait for the card and do it Wed or Thurs or just do it Wednesday morning whether it's here or not. (A course that opens and could fill up.)

Did you get your card yet? I hope you were able to put that business expense on your shiny new Ink+.

Yesterday I activated mine and merged it with my personal accounts. Already have most of the spend requirement met (I had a few bigger bills/purchases I was waiting on this card for too).

Re: Update-Approved Ink Cash vs Plus

Anonymous — Wed, 23 Mar 2016 18:44:50 GMT

Nope. Due this afternoon, but my expense was this morning. Not a huge deal. Only $300. What sucks is that between that my cable and cell bills just drafted yesterday and today. I should have thought to take them off auto pay when I found out I was approved.

Re: Update-Approved Ink Cash vs Plus

Anonymous — Sat, 26 Mar 2016 02:22:52 GMT

Not an altogether smooth process.

I got my card Wednesday. Today I set about getting it set up online. I'll be honest, I haven't looked at the paperwork much, but the card didn't have a sticker, so I figured it came activated like the RC. I called in to get it linked to my online account* and was sent to the fraud department. I answered the questions and they put me to a CSR to help with the other. Fraud guy, nice enough. CSR, nice enough...except he couldn't do what I needed. He needed to send me to the tech department to do the online account stuff.

(While I had the regular CSR I asked if it was going to be a similar situation with my FU that I just got that there's no sticker but they're still expecting me to let them know I got it or they might decline it...even though it doesn't have a sticker to activate. He noted that I received it. I had limited time and mentioned that I'm not happy that it didn't come as a VS even though that was part of the 3-4 SM's back and forth, but I'd deal with that another time since I wanted to set up the online thing. He forwarded me to the tech guy.)

Tech guy, hard to hear. Bad connection, not accent. He said first XXXd have to make an online account to then attach/merge with my personal. I asked "You" have to make an account or "I" have to make an account. I again got a garbled mess. I said I can't tell if you're saying that I have to go online and make an account...that I should be going to my computer now and doing so. OR if he was going to do something. I didn't entirely catch what he said, I but I could tell he said that if he did it he'd have to read me terms, and not what I wanted to deal with. So I said I'd make an online account and call back.

Now I've made an online account and I see that it's slightly different being a business account. If I ask for them to be merged, will my personal stuff move to that business one, will the business move to my (super old) personal one or will I get a choice? Are my UR's gathered in one place either way?

ETA: Finally broke it in down at Staples.

Re: Update-Approved Ink Cash vs Plus

brewcrew87 — Sat, 26 Mar 2016 02:55:22 GMT

@Anonymous wrote:
Not an altogether smooth process.

I got my card Wednesday. Today I set about getting it set up online. I'll be honest, I haven't looked at the paperwork much, but the card didn't have a sticker, so I figured it came activated like the RC. I called in to get it linked to my online account* and was sent to the fraud department. I answered the questions and they put me to a CSR to help with the other. Fraud guy, nice enough. CSR, nice enough...except he couldn't do what I needed. He needed to send me to the tech department to do the online account stuff.

(While I had the regular CSR I asked if it was going to be a similar situation with my FU that I just got that there's no sticker but they're still expecting me to let them know I got it or they might decline it...even though it doesn't have a sticker to activate. He noted that I received it. I had limited time and mentioned that I'm not happy that it didn't come as a VS even though that was part of the 3-4 SM's back and forth, but I'd deal with that another time since I wanted to set up the online thing. He forwarded me to the tech guy.)

Tech guy, hard to hear. Bad connection, not accent. He said first XXXd have to make an online account to then attach/merge with my personal. I asked "You" have to make an account or "I" have to make an account. I again got a garbled mess. I said I can't tell if you're saying that I have to go online and make an account...that I should be going to my computer now and doing so. OR if he was going to do something. I didn't entirely catch what he said, I but I could tell he said that if he did it he'd have to read me terms, and not what I wanted to deal with. So I said I'd make an online account and call back.

Now I've made an online account and I see that it's slightly different being a business account. If I ask for them to be merged, will my personal stuff move to that business one, will the business move to my (super old) personal one or will I get a choice? Are my UR's gathered in one place either way?

ETA: Finally broke it in down at Staples.

Wow. Sorry to hear it was such a pain. I immediately set up my new business online account and then called to get it merged with my personal accounts. The whole process took me about 3 minutes.

Merging the accounts will take all of your personal accounts and put it on your business login. You will no longer have access to your old personal login. All of your URs will be there, and you can transfer them to the Ink+ with a few clicks.

I havent visited Staples yet, but I had a few bigger purchases and then funded a new PNC checking account so I should hit my spend in a few more days.

Re: Update-Approved Ink Cash vs Plus

Anonymous — Sat, 26 Mar 2016 03:11:18 GMT

@uecker4life wrote:
@Anonymous wrote:
Not an altogether smooth process.

I got my card Wednesday. Today I set about getting it set up online. I'll be honest, I haven't looked at the paperwork much, but the card didn't have a sticker, so I figured it came activated like the RC. I called in to get it linked to my online account* and was sent to the fraud department. I answered the questions and they put me to a CSR to help with the other. Fraud guy, nice enough. CSR, nice enough...except he couldn't do what I needed. He needed to send me to the tech department to do the online account stuff.

(While I had the regular CSR I asked if it was going to be a similar situation with my FU that I just got that there's no sticker but they're still expecting me to let them know I got it or they might decline it...even though it doesn't have a sticker to activate. He noted that I received it. I had limited time and mentioned that I'm not happy that it didn't come as a VS even though that was part of the 3-4 SM's back and forth, but I'd deal with that another time since I wanted to set up the online thing. He forwarded me to the tech guy.)

Tech guy, hard to hear. Bad connection, not accent. He said first XXXd have to make an online account to then attach/merge with my personal. I asked "You" have to make an account or "I" have to make an account. I again got a garbled mess. I said I can't tell if you're saying that I have to go online and make an account...that I should be going to my computer now and doing so. OR if he was going to do something. I didn't entirely catch what he said, I but I could tell he said that if he did it he'd have to read me terms, and not what I wanted to deal with. So I said I'd make an online account and call back.

Now I've made an online account and I see that it's slightly different being a business account. If I ask for them to be merged, will my personal stuff move to that business one, will the business move to my (super old) personal one or will I get a choice? Are my UR's gathered in one place either way?

ETA: Finally broke it in down at Staples.
Wow. Sorry to hear it was such a pain. I immediately set up my new business online account and then called to get it merged with my personal accounts. The whole process took me about 3 minutes.

Merging the accounts will take all of your personal accounts and put it on your business login. You will no longer have access to your old personal login. All of your URs will be there, and you can transfer them to the Ink+ with a few clicks.

I havent visited Staples yet, but I had a few bigger purchases and then funded a new PNC checking account so I should hit my spend in a few more days.

Thanks. I was pretty sure I'd lose my personal login. :sad panda:

Do I use the same Chase mobile app on my iphone?

Re: Update-Approved Ink Cash vs Plus

brewcrew87 — Sat, 26 Mar 2016 05:24:41 GMT

@Anonymous wrote:
@uecker4life wrote:
@Anonymous wrote:
Not an altogether smooth process.

I got my card Wednesday. Today I set about getting it set up online. I'll be honest, I haven't looked at the paperwork much, but the card didn't have a sticker, so I figured it came activated like the RC. I called in to get it linked to my online account* and was sent to the fraud department. I answered the questions and they put me to a CSR to help with the other. Fraud guy, nice enough. CSR, nice enough...except he couldn't do what I needed. He needed to send me to the tech department to do the online account stuff.

(While I had the regular CSR I asked if it was going to be a similar situation with my FU that I just got that there's no sticker but they're still expecting me to let them know I got it or they might decline it...even though it doesn't have a sticker to activate. He noted that I received it. I had limited time and mentioned that I'm not happy that it didn't come as a VS even though that was part of the 3-4 SM's back and forth, but I'd deal with that another time since I wanted to set up the online thing. He forwarded me to the tech guy.)

Tech guy, hard to hear. Bad connection, not accent. He said first XXXd have to make an online account to then attach/merge with my personal. I asked "You" have to make an account or "I" have to make an account. I again got a garbled mess. I said I can't tell if you're saying that I have to go online and make an account...that I should be going to my computer now and doing so. OR if he was going to do something. I didn't entirely catch what he said, I but I could tell he said that if he did it he'd have to read me terms, and not what I wanted to deal with. So I said I'd make an online account and call back.

Now I've made an online account and I see that it's slightly different being a business account. If I ask for them to be merged, will my personal stuff move to that business one, will the business move to my (super old) personal one or will I get a choice? Are my UR's gathered in one place either way?

ETA: Finally broke it in down at Staples.
Wow. Sorry to hear it was such a pain. I immediately set up my new business online account and then called to get it merged with my personal accounts. The whole process took me about 3 minutes.

Merging the accounts will take all of your personal accounts and put it on your business login. You will no longer have access to your old personal login. All of your URs will be there, and you can transfer them to the Ink+ with a few clicks.

I havent visited Staples yet, but I had a few bigger purchases and then funded a new PNC checking account so I should hit my spend in a few more days.
Thanks. I was pretty sure I'd lose my personal login. :sad panda:

Do I use the same Chase mobile app on my iphone?

Yeah... Same app.