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Ink Business Series
FLEXIBLE SPENDING LIMIT FREQUENTLY ASKED QUESTIONS ABOUT INK BOLD(SM)
  • What is meant by a “flexible spending limit”? How does it work?

    A flexible spending limit is offered on our Ink Bold charge cards. To ensure you have the spending power you need, we review your account based on your spending and payment patterns on your Ink Bold card, your other relationships with us, and information obtained from personal and business credit bureau reports. We then adjust your spending limit to better meet your business needs.

  • How is Ink Bold different from a traditional business credit card?

    Ink Bold is a pay-in-full charge card that does not have a pre-set credit limit like traditional credit cards. Instead it has a flexible spending limit that is designed to adjust and grow to meet your business needs. However, while Ink Bold has a flexible spending limit, this doesn't mean unlimited spending capacity.

  • What is a charge card?

    Unlike a traditional credit card, a charge card must be paid in full each month. Since you don’t carry a balance on a charge card, you don’t pay any interest charges.

  • Why might an Ink Bold charge card be good for my business?

    Ink Bold provides you with the purchasing power your business needs and saves you money — you pay no interest charges because you pay off the balance in full each month. In addition, Ink Bold's flexible spending limit is designed to adjust and grow to meet your changing business needs. By using Ink Bold in place of checks or debit cards, you get cash flow flexibility, more rewards and additional purchase protection features. Since you have until the due date of your monthly Ink Bold statement to make your payment, you get up to 30 days to pay, depending on the purchase date.

  • How can I maximize my purchasing power?

    By using your Ink Bold card for all your business purchases and paying the balance in full each month, you will establish a history of spending and timely repayment. By establishing this ongoing relationship, your flexible spending limit will continue to adjust to meet your business needs. In addition, you may make multiple payments each month to further increase your purchasing power, particularly during months when your spending needs may be unusually high. If you plan to make a large purchase, you should call us to let us know so we can work with you to ensure your spending capacity can accommodate your purchasing needs.

  • What should I do if I need to make a large or unusual purchase with my Ink Bold card?

    If you are planning to make an unusually large purchase you should call the number on the back of your Ink Bold card first. You will have direct access to an Ink Bold business card specialist who can review your account with you to ensure that you have the spending capacity for the purchase in question. In addition, if you are planning to travel internationally, call us in advance to be sure your purchases will go through and that your account remains safe and secure.


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Manage your Finances on your Terms

InkSM, Ink CashSM, Ink PlusSM and Ink ExclusivesSM clients can set up BlueprintSM *, a set of features that helps you manage your finances. Design your plan to meet the cash flow needs of your business. Blueprint is free.

  • Full Pay

    Avoid paying interest on common purchases when you pay in full each month. Choose the types of purchases to pay in full and we'll separate them on your statement.

  • Finish It

    Pay down a balance faster. Choose an end date or monthly amount. We do the math and set up the plan.

  • Split

    Pay off larger purchases sooner. Select a purchase and set an end date or monthly payment based on your business cash flow needs.

  • Track It

    See your business spending trends at a glance. Create your own reporting and more easily track and manage your business expenses.

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Ultimate Rewards

Experience Everything a Rewards Program Should Be

Welcome to the rewards program designed with you in mind.

More choices. More flexibility. Ultimate RewardsSM offers possibilities, not restrictions. It's easy to earn points and it's easy to use them. Treat your clients, your employees or yourself. They're your points, so you decide how to use them. Explore Ultimate Rewards now to see how easy it is to redeem your points.

You're automatically enrolled in Ultimate Rewards if you have an Ink BoldSM, Ink PlusSM, Ink ExclusivesSM or InkSM Card.

  • Gift Cards and Certificates — Reward an employee for a job well done or treat a client to dinner with a wide variety of gift cards to fit that perfect occasion.

  • Travel — Book flights on most major airlines and fly any class, any destination. If a seat's available, it's yours. No restrictions, no blackout dates. Or browse and reserve hotel rooms, car rentals and more.

  • Experiences — A world of adventure, fine dining and fun await you. Or take part in one of our online auctions to bid on that perfect experience.

  • Merchandise — Browse millions of products, including the latest and greatest in electronics, office supplies and more.

  • Cash Back and More — Use points for a rewards check, starting at just 2,000 points for a $20 check. Or use your points to reinvest in your business: Turn a recent purchase of almost anything made with your Ink Card into a credit to your statement with Pay Yourself Back.

Earn points every time you use your Ink card. And earn bonus points when you shop or travel. There are no limits to how much you can earn and your points never expire.

  • Earn 1 point for every dollar you spend*

  • Earn up to 10 bonus points for every dollar you spend online at more than 400 of your favorite merchants conveniently located at the Ultimate Rewards Mall.*

  • Earn double points for every dollar you spend when you purchase airfare online through the Ultimate Rewards Travel Tool.*

Log in to your account with your Chase user name and password to check your points balance, earn bonus points and redeem rewards. If it's your first visit to our website, click Get a User ID. If you don't have an Ink card yet, find the one that's right for you.

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Scroll down to see all offer details
Acceptance rates based on global, not domestic, data. The Nilson Report, September 2009, Issue 933.
  • Ink BoldSM Offer Details
    First year free; $95 annual fee thereafter
    Please see Pricing & Terms for complete details about rates, fees, and other costs.
    5,000 bonus points
    You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Existing cardmembers/accounts are not eligible for this bonus offer.
    Earn one point for every one dollar you spend
    You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. As one-time bonuses Annually, once you exceed $25,000 in net purchases you will receive 7,500 bonus points, once you exceed $50,000 in net purchases you will receive an additional 15,000 bonus points, and once you exceed $100,000 in net purchases you will receive an additional 25,000 bonus points. ("Annually" means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve months thereafter.) You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
    Up to 10 bonus points when you shop the Ultimate Rewards Mall
    To use the Ultimate Rewards Mall, you must log into your account at www.chase.com/ink. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.
    Free cards for employees that earn you more rewards
    Authorized users may use the account in the same manner as the Authorizing Officer, but will not be responsible for payment. The Cardmember Agreement and Reward Program Rules and Regulations will apply to transactions made by authorized users.
    Pay Yourself Back
    You can redeem points or rebates to apply to purchase(s) made within 60 days of the redemption date. Points redemptions start at 2,000 points for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law, and in 100-point increments for each additional $1 of credit. Rebate redemptions start at $20 in rebates for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law. Redemptions may be made in additional $1 rebate increments for each additional $1 of credit. Statement credits will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.
    Travel, Protection & Security Benefits
    Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.
    Airport Lounge Access
    Certain terms, conditions, and exclusions apply. For full terms and conditions, please refer to the Conditions of Use section of your Priority Pass™ Lounge Directory book you will receive upon enrollment. Lounge visit fees may be adjusted with prior notice. Complimentary visits may apply to Members and/or an accompanying guest. After the first two visits, InkSM clients simply pay $27 per person per visit for themselves and any accompanying guest(s) when visiting a participating lounge. This offer is valid for only your first year.
    Flexible spending limit
    There is no pre-set spending limit on your account. Instead, we determine a flexible spending limit for your account, whereby each charge is evaluated based on the spending and payment patterns on the account, your other relationships with us, information from credit reports obtained from credit bureaus including your experience with other creditors, and our understanding of your resources.
    Zero Liability Protection
    U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.
  • InkSM Plus Offer Details
    First year free; $60 annual fee thereafter
    Please see Pricing & Terms for complete details about rates, fees, and other costs.
    5,000 bonus points
    You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Existing cardmembers/accounts are not eligible for this bonus offer.
    Earn one point for every one dollar you spend
    You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. As a one-time bonus Annually, once you exceed $50,000 in net purchases you will receive 10,000 bonus points, and once you exceed $100,000 in net purchases you will receive an additional 15,000 bonus points. ("Annually" means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve months thereafter.) You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
    Up to 10 bonus points when you shop the Ultimate Rewards Mall
    To use the Ultimate Rewards Mall, you must log into your account at www.chase.com/ink. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.
    Pay Yourself Back
    You can redeem points or rebates to apply to purchase(s) made within 60 days of the redemption date. Points redemptions start at 2,000 points for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law, and in 100-point increments for each additional $1 of credit. Rebate redemptions start at $20 in rebates for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law. Redemptions may be made in additional $1 rebate increments for each additional $1 of credit. Statement credits will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.
    Free cards for employees that earn you more rewards
    Authorized users may use the account in the same manner as the Authorizing Officer, but will not be responsible for payment. The Cardmember Agreement and Reward Program Rules and Regulations will apply to transactions made by authorized users.
    Blueprint
    If an account is opened, visit www.chase.com/ink to register your account for online access and learn more about the Blueprint features.
    Travel, Protection & Security Benefits
    Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.
    Airport Lounge Access
    Certain terms, conditions, and exclusions apply. For full terms and conditions, please refer to the Conditions of Use section of your Priority Pass™ Lounge Directory book you will receive upon enrollment. Lounge visit fees may be adjusted with prior notice. Complimentary visits may apply to Members and/or an accompanying guest. After the first two visits each year, Ink clients simply pay $27 per person per visit for themselves and any accompanying guest(s) when visiting a participating lounge.
    Zero Liability Protection
    U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.
  • InkSM Exclusives Offer Details
    No annual fee
    Please see Pricing & Terms for complete details about rates, fees, and other costs.
    No monthly service fee
    Business credit card must be linked to either Chase BusinessClassicSM Checking or Chase BusinessClassicSM Checking with Interest. Credit Card balance to exceed $0 at least once per monthly statement cycle and the credit card is not delinquent, closed, charged off or revoked. Visit your local branch or call 1-800-CHASE24 (1-800-242-7324) to learn more about Chase Business Checking Accounts. Please see Pricing & Terms for complete details about rates, fees, and other costs.
    Earn one point for every one dollar you spend
    You will earn 1 base point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. As a Chase checking customer, you will also earn 1 bonus point for each $5 of net purchases (which equates to 20% of base points earned). To participate in this program for checking customers, the primary Ink client must be the sole owner or a joint owner of an open Chase checking account. Customers who do not have an open Chase checking account will no longer earn the bonus points for Chase checking customers. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
    Up to 10 bonus points when you shop the Ultimate Rewards Mall
    To use the Ultimate Rewards Mall, you must log into your account at www.chase.com/ink. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.
    Free cards for employees that earn you more rewards
    Authorized users may use the account in the same manner as the Authorizing Officer, but will not be responsible for payment. The Cardmember Agreement and Reward Program Rules and Regulations will apply to transactions made by authorized users.
    Pay Yourself Back
    You can redeem points or rebates to apply to purchase(s) made within 60 days of the redemption date. Points redemptions start at 2,000 points for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law, and in 100-point increments for each additional $1 of credit. Rebate redemptions start at $20 in rebates for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law. Redemptions may be made in additional $1 rebate increments for each additional $1 of credit. Statement credits will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.
    Blueprint
    If an account is opened, visit www.chase.com/ink to register your account for online access and learn more about the Blueprint features.
    Travel, Protection & Security Benefits
    Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.
    Zero Liability Protection
    U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.
  • InkSM Offer Details
    No annual fee
    Please see Pricing & Terms for complete details about rates, fees, and other costs.
    Earn one point for every one dollar you spend
    You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
    Up to 10 bonus points when you shop the Ultimate Rewards Mall
    To use the Ultimate Rewards Mall, you must log into your account at www.chase.com/ink. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.
    Free cards for employees that earn you more rewards
    Authorized users may use the account in the same manner as the Authorizing Officer, but will not be responsible for payment. The Cardmember Agreement and Reward Program Rules and Regulations will apply to transactions made by authorized users.
    Pay Yourself Back
    You can redeem points or rebates to apply to purchase(s) made within 60 days of the redemption date. Points redemptions start at 2,000 points for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law, and in 100-point increments for each additional $1 of credit. Rebate redemptions start at $20 in rebates for a $20 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law. Redemptions may be made in additional $1 rebate increments for each additional $1 of credit. Statement credits will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.
    Blueprint
    If an account is opened, visit www.chase.com/ink to register your account for online access and learn more about the Blueprint features.
    Travel, Protection & Security Benefits
    Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.
    Zero Liability Protection
    U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.
  • InkSM Cash Offer Details
    No annual fee
    Please see Pricing & Terms for complete details about rates, fees, and other costs.
    Earn up to 3% cash back on eligible business purchases
    You will earn 1 base point for each $1 of net purchases. In addition, you will earn 2 bonus points for each $1 of eligible net purchases made at retail establishments that classify their merchant locations for Visa/MasterCard as gas stations, restaurants, hardware stores, home improvement stores, and office supply stores. Purchases not eligible to receive the 2 bonus points include, but are not limited to, purchases made at convenience stores, superstores, warehouse clubs, and discount stores. We do not determine whether merchants correctly identify and bill transactions as being made at gas stations, restaurants, hardware stores, home improvement stores, or office supply stores. However, we do reserve the right to determine which purchases qualify for the 2 bonus points. You do not earn points on balance transfers, cash advances, any checks that are used to access your account, travelers checks, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. Maximum point accumulation on net purchases earning 2 bonus points is 4,000 points per billing cycle. There is no maximum base point accumulation on purchases earning 1 point. See Rewards Program Rules and Regulations which will be mailed after your account is established.
    Redeem for cash back
    You are earning your rewards as points. 3 points equals 3% or $0.03 cash back and 1 point equals 1% or $0.01 cash back. For example, 5,000 points can be redeemed for a $50 check.
    Free cards for employees that earn you more rewards
    Authorized users may use the account in the same manner as the Authorizing Officer, but will not be responsible for payment. The Cardmember Agreement and Reward Program Rules and Regulations will apply to transactions made by authorized users.
    Blueprint
    If an account is opened, visit www.chase.com/ink to register your account for online access and learn more about the Blueprint features.
    Travel, Protection & Security Benefits
    Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.
    Zero Liability Protection
    U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to PIN transactions not processed by Visa/MasterCard, as applicable.
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HOW I MADE MY MARK

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STEPHEN PATTERSON

PRESIDENT AND CEO OF BROADNET
Stephen Patterson
Why did you start your own business?
I was driven by my desire to create my own business and a uniquely creative, untraditional professional culture. I just really enjoy owning my own company and seeing business from all angles.
What advice would you give other small business owners?
The way you manage your cash and growth directly correlate to success. I truly believe that small businesses should use the resources offered to them. For instance, the Ink from Chase card and the tools it provides have enabled us to successfully manage our vendor pay.
If you have used other rewards programs before, how does the experience with Ultimate Rewards compare?
I use AMEX as well and both are good. However, Chase is better for me because I tend to get more “bang for my buck.” If I spend 100,000 points on AMEX, I don’t get what I could have gotten using my Chase card.
COMPANY
Broadnet
FOUNDED
2004
CEO/OWNER
Stephen Patterson
WEBSITE
http://www.broadnetconnects.com
COMPANY OVERVIEW
Our communications platforms are utilized by a broad range of markets, organizations and causes. However varied, each of our clients has one thing in common – an interest in engaging large, targeted audiences.
NEWS & MEDIA
Stephen was recently featured in Ink from Chase print ad in Inc. Magazine. Download the ad

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