Chase Ink Unlimited: Get Approved (WITHOUT A Business)

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Hey guys, in this video, I'll be going through the full Chase Ink Unlimited application process, where you can follow along as I apply for the card myself. It's a good old-fashioned "Watch Me Apply", but I also try to give you many tips and tricks on how you can be approved for the Chase Ink Unlimited card yourself, even if you don't have an official business. For those of y’all who watch the channel frequently, you’ll know that the Ink Unlimited has been on my credit card roadmap for months now, and with its 90,000 Chase UR Point offer around, I had to apply. If you've ever asked yourself "Is the Chase Ink Unlimited worth it?", this video will help you answer that question for your personal situation. To me, the Ink Unlimited is a no-brainer beginner business credit card if you want a simple catch-all credit card, or if you want to lock in a super high welcome offer on a no-annual-fee card, and hopefully this video helps you understand why!

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📚 Chapters:
00:00 The Gameplan
01:11 Reviewing The Chase Ink Unlimited
03:11 Why I'm Applying For The CIU: Reason #1
05:08 Why I'm Applying For The CIU: Reason #2
05:40 Why I'm Applying For The CIU: Reason #3
07:51 My Data Points Before Applying
10:03 Thawing My Credit Reports
10:33 Navigating To The Best Offer
11:59 Chase Ink Unlimited Application Walkthrough
17:01 The Moment Of Truth

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#chaseinkunlimited #watchmeapply #creditcards

[SpencerJohnsonOfficial]

EDIT: Based on data points, you may not need to wait 24 months before reapplying for the same Ink card under the same business to get a new welcome offer. Your mileage may vary, but it seems to be something they're much more lenient on these days.

[DatejustDanny]

To merge the accounts, on the website you login with your business login details. Then account settings and manage linked accounts. It’ll take total around 1 min or so from when you login to having them linked.

[elliottnixon-wqsp]

I guess Chase has a heart for you. I think this is the best of the Chase business cards because it’s simple, it adds way more UR points than the CFU on the personal side, it trims the fat of that card, and it keeps the utilisation low. A huge winner so I hope you enjoy it man.

[MikeMaye]

Congratulations on the new card! They always seem to give paltry CL on the BU and BC. I was approved for $4k when I applied for mine. Great vid Spencer💥

[AnthonyVenture]

Niceeee man!!! Just literally did the same but I missed the 90k by a day haha.

Also I just learned this and did it myself, but you can match the higher offer if applied within 30 days of it ending.

So I bet we could have applied by like 02/17/24 and still get the 90k after asking for it. Would I risk it, probably not though haha.

However I was a day late and they matched it, which was very cool.

Great and thorough video Spencer!

[RtheStory]

Haven’t even watched and I know it’s a banger

[ItsMeCJ]

My coworker made me late…but I’m claiming first either way. Sorry Ahmad 🤪

[CallMeLani]

Dude I feel you... I did the same thing for the Unlimited the day before the promo ended (over 5/24). Took the shot... Also approved! But that $3K limit they gave you? 😂 "Spend $6K, but we'll only give you $3K!)

[Cody.Little]

Good stuff Spencey! (I watched Anthony’s podcast) seems like 5/24 is out the window 😂 I just got my wife the ink unlimited too as we’re also in desperate need of UR points. Very detailed video, loved it

[hippydog]

I had no planes to get a business card anytime soon, but I somehow got a notification in my chase app that I was pre approved for this card! Had to pull the trigger. I also got a 3k limit for some reason, much lower than most my personal cards. Don’t have an LLC. Just have to get creative to hit the spend for the welcome bonus. Next move is to get the sapphire preferred to complete my chase trifecta, so these welcome bonus points will be nice once I get the option to use transfer partners.

[surpreetsingh]

Do you have to have business for applying this card ? I have a good credit, do you think i can apply? I don’t have a business tho, i have job

[nicholascassidy-fougere]

I got instantly approved for the WF Autograph Card last week, also with a 3k limit

[DaIton-]

Congrats Spencer 🎉

Any hints you could give for that next card you’re applying for ?

[shawn.credit]

Congrats man! Another business card in the wallet whooo! ✊

I was messing around with pre approvals the other week and grabbed a AMC Entertainment Visa Signature for 5K wasn’t saying no to that haha! I’d like a WF Bilt card in December so that was the last app for me lol.

[jakemercure]

Dude congrats! I wonder why Chase is so stingy with their limits on biz cards..

[CoachJdubb]

I applied as a sole prop got a 5k limit. 🎉

[billwright]

I guess I can feel better about my 4K CL

I legitimately went over. About 2 hundred paid it off and maxed it out a second time . My second ink i included a larger spend and higher revenue and again 4k CL.
Im wondering if its a first year issue.

[JakeVanderPloeg]

It’s crazy that you essentially just got pre-approved for 3 nights in the Maldives if you wanted to use your points that way

[xuezhongyu]

does it make it hard pull your person credit score?

[danbam]

did you have a good amount in a chase business checking account before applying?