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Ink Plus^® Business Card Offer Details

Earning Points

How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Ink Plus business credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 point: You’ll earn 1 point for each $1 spent. 2 points: You’ll earn 2 points total for each $1 of the first $50,000 spent each account anniversary year on combined purchases in the following rewards categories: hotel accommodations when purchased directly with the hotel; gas stations (one additional point on top of the 1 point per $1 earned on each purchase). You may see “2X” in marketing materials to refer to the 2 points total you earn for each $1 spent in these categories each account anniversary year. After $50,000 is spent on combined purchases in these categories each account anniversary year, you go back to earning 1 point for each $1 spent, with no maximum. 5 points: You’ll earn 5 points total for each $1 of the first $50,000 spent each account anniversary year on combined purchases in the following rewards categories: office supply stores; internet, cable, and phone services (four additional points on top of the 1 point per $1 earned on each purchase). You may see “5X” in marketing materials to refer to the 5 points total you earn for each $1 spent in these categories each account anniversary year. After $50,000 is spent on combined purchases in these categories each account anniversary year, you go back to earning 1 point for each $1 spent, with no maximum. “Account anniversary year” means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. We may offer you ways to earn bonus points through the program. You’ll find out more about the number of bonus points you can earn and any other terms at the time of the offer. How you can use your points: You can use your points to redeem for cash through an account statement credit or electronic deposit into an eligible checking or savings account held by a financial institution located in the United States. Other redemption options include gift cards and travel. When you use points to redeem for cash and gift cards, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. When you use points to redeem for travel, each point is worth $.0125 (one and a quarter cents), which means that 100 points is worth $1.25 in redemption value. Redemption values for other reward options may vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs opens in a new window . Rewards Program Agreement: If you are a Chase Online customer, your Rewards Program Agreement is available after logging in to chase.com/ultimaterewards opens in a new window . You can also see your Rewards Program Agreement that you received in the mail.

Travel Through Chase Ultimate Rewards

When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Ultimate Rewards is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 20,000 points are worth $250 when redeemed for travel purchases, or $200 when redeemed for cash. The cost of travel is based on the rates and fares available through the Ultimate Rewards website and travel center, and may not reflect all rates and fares that are available through other sales channels.
If you choose to use points and your Chase Ink Plus credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

Amazon Shop With Points

When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value.

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Travel And Purchase Protection

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Please refer to your Guide to Benefits for a full explanation of coverages, or call the number on the back of your card for assistance.

Adding An Employee Card

If any employees are allowed to use the account, they will be authorized users and will have equal charging privileges unless individual spending limits are established for them. You, as the Authorizing Officer, together with the company are responsible for any use of the account by you, an authorized user or anyone else permitted to use the account. You, together with the company, are responsible for repaying all balances on the account. All correspondence, including statements and notifications, will be sent to you as the Authorizing Officer. By requesting to add an employee cardholder to the account, you represent all information provided is accurate and is for persons with which the company has a relationship. You also represent that the company has permission to provide the employee information to Chase and to add the employee as a cardholder. If Chase determines any information provided is fraudulent, Chase has the right to close the account.

No Foreign Transaction Fees

See Cardmember Agreement for details.

Zero Liability

Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts

Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Recurring Bill Pay

Please contact your service merchant for details on any fees that may be associated with paying your bill using a credit card.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

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