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Chase Ink bonus eligibility (lifetime-style)

Chase · Bonus eligibility

Since late 2025, Chase Ink terms moved toward once-per-lifetime bonus eligibility. The two no-annual-fee Ink cards (Cash and Unlimited) share one restriction: if you have ever held either one, the bonus on the other may be unavailable. The Ink Preferred has its own separate once-per-card rule, and the Sapphire Reserve for Business stands alone too.

Issuer terms: this rule's wording comes from the issuer's own application terms or support pages, linked below.

Key takeaways

Since late 2025, Chase Ink terms moved toward once-per-lifetime bonus eligibility. The two no-annual-fee Ink cards (Cash and Unlimited) share one restriction: if you have ever held either one, the bonus on the other may be unavailable. The Ink Preferred has its own separate once-per-card rule, and the Sapphire Reserve for Business stands alone too.

Business owners applying for Ink Cash, Ink Unlimited, Ink Preferred, or Sapphire Reserve for Business.

Who it applies to

Business owners applying for Ink Cash, Ink Unlimited, Ink Preferred, or Sapphire Reserve for Business.

How to count

  • No-fee pair: ever held Ink Cash or Ink Unlimited? Then a bonus on either no-fee Ink may be blocked.
  • Ink Preferred: ever held Ink Preferred? Then its bonus may be blocked, independent of Cash/Unlimited.
  • Holding the cards is still allowed; only the bonus is restricted.
  • Chase shows an eligibility pop-up before submission on these applications.

Calculator (estimate)

Answer the questions below. The result is an estimate, not an approval decision.

This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.

FAQ

Can I still earn both no-fee Ink bonuses by getting Cash first, then Unlimited?

Under the current terms, no: having ever held either no-fee Ink may block the bonus on the other.

Does holding an Ink card block the Sapphire Reserve for Business bonus?

No. The Sapphire Reserve for Business has its own separate eligibility; Ink history does not restrict it.

Sources

Non-issuer sources are secondary sources (independent guides). If a rule changes, the issuer's page governs. This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply. Page updated: November 3, 2026
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