This feature allows you to make purchases at retailers without using the physical card. You can also use your card with Apple Pay for in-app purchases. The payment will appear on your Chase Ink card statement as a regular credit card purchase, and you’ll earn the same rewards.
How to add your Chase Ink card to the Apple Wallet:
Open your Wallet app. For Apple Watch users, this is located in the Apple Watch app on your iPhone.
Tap "Add Credit or Debit Card" or the + sign and scan your card.
Add your card details, read the terms, confirm, and you're set. You can also set your card as your default payment method to always earn rewards.
It is worth noting that you can only add up to eight eligible Chase cards. The cards can also be added to multiple devices that use Apple Pay. However, for security purposes, your activation code will always be sent to the primary cardholder.
Apple Pay provides the same benefits and protection as your physical card, including zero liability protection. You won’t be held financially liable for any reported unauthorized charges made using your Chase Ink card through Apple Pay.
You cannot get an Ink Cash virtual credit card number through Chase. While Chase used to offer virtual credit card numbers through Chase Pay, this service was discontinued at the end of March 2021. That said, you may now get a virtual card number for an Ink Cash credit card through Click to Pay instead.… read full answer
To enroll in Click to Pay with an Ink Cash, just click the icon that looks like a box with two arrows pointing to the right when you check out with participating merchants. Click to Pay merchants include Lowe’s, Marriott, Papa John’s, and 1-800-Flowers.com, among others.
The best Chase Ink benefits are a bonus of up to 100,000 points for spending $15,000 in the first 3 months, up to 5% cash back on purchases, and free employee cards. Other top Chase Ink benefits include referral bonuses, purchase protection, extended warranties on purchases, and travel insurance coverage.
There are four Chase Ink business cards, three of which are available to new applicants:… read full answer
The fourth Chase Ink business card, the Ink Plus® Business Credit Card, isn’t offered anymore. But all benefits still apply to current cardholders. Some Chase Ink benefits are available on all cards, while others are limited to one, like Chase Ink Preferred’s $0 foreign transaction fee.
Here are the best Chase Ink Card benefits:
Bonus Rewards: Chase Ink Preferred offers 100,000 points for spending $15,000 in the first 3 months.
The Ink Cash and Chase Ink Business Unlimited cards offer $900 cash back for spending $6,000 in the first 3 months. Ink Business cards also give up to 5% back on some purchases, depending on the card.
Purchase Protection: Covers eligible purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account. Applies to all cards.
Extended Warranty: Matches an item’s original warranty up to one extra year on all eligible warranties of three years or less. Covers up to a maximum $10,000 per claim and $50,000 per account. Applies to all cards.
Car Rental Collision Damage Waiver: Coverage up to the cash value of the vehicle for theft and collision damage. Must decline the rental agency’s collision insurance and charge the entire rental to the Ink Business card. Applies to all cards.
Trip Cancellation/Interruption Insurance: Provides coverage if a trip is cancelled or cut short by sickness or severe weather. Reimbursement is up to $5,000 per person and $10,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares and hotels. Available on the Chase Ink Preferred and the Ink Business Premier cards.
Cell Phone Insurance: Covers theft of or damage to the cardholder’s (and authorized employees’) phones up to $1,000 if they pay their cell phone bill with their card. There is a maximum of 3 claims in a 12-month period with a $100 deductible each time. Available on the Chase Ink Preferred and the Ink Business Premier cards.
Bonus Points for Referrals: The Ink Business cards offer 20,000 bonus points for business owners approved for the card using your referral link. There’s a limit of five referrals and 100,000 bonus points every calendar year.
Best Card for Chase Ink Benefits: Chase Ink Preferred and Ink Business Premier.
The Chase Ink Preferred and Ink Business Premier cards provide the best initial bonus and a wider array of benefits compared to the other Chase Ink cards. Also, people who travel abroad will save money on international purchases since the cards have a $0 foreign transaction fee. Plus, like all Chase Ink cards, these cards offer up to 70 free employee cards.
But, as is the case with any business or travel card, make sure all the rewards outweigh the cost of any fees or interest charges before applying.
Chase Ink credit limits above the minimum amount are available, based on the applicant’s overall credit standing. Factors that influence an applicant’s credit limit include the personal credit score, annual income, and outstanding debt, among other factors.… read full answer
If you use the card responsibly, you may receive an automatic credit limit increase over time. You can also request a higher credit limit over the phone at (800) 346-5538.
Keep in mind that if you ask for a credit limit increase, Chase will perform a hard inquiry on your personal credit report, which will temporarily reduce your credit score by a few points.
Chase Ink Credit Limits for Employee Cards
It’s also worth noting that once you’re approved for a Chase Ink credit card, you can add additional employee cards to your account at no cost. You can set individual spending limits for each employee’s card, too, either through your online account or by calling customer service at (800) 945-2028.
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