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Here’s how matched to a better Chase offer via Secure Message

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I applied for a 2nd Chase Ink Business Preferred in January when the public offer was 80k bonus points after $5k spend in 3 months. It wasn’t an automatic approval and you can read that post about my experience if you’re interested. Once I received my card in the mail, the public offer had increased to 100k bonus points after $15k spend. I thought this was within reason for my business and sent Chase a secure message to see what the policy was on matching to the Chase Ink Business Preferred 100k offer. It’s actually the best of both worlds and I figured you would be interested to see how I approached it via secure message in case you’re in a similar position.

Referrals give the “referrer” a 20k point bonus upon new account approval. Pretty amazing referral bonus

Chase Ink Business Preferred 80k Referral offer is still populating

thanks for using ours!

Here is the message I sent Chase

For some reason my account wouldn’t populate via the normal add account features on and the rep added the account per my request.

And their response

This is consistent with what other people have received which is the best of both worlds.  I can still earn 80k after $5k spend in 3 months, but if I happen to hit the $15k in 3 months, I get another bonus 20k. Can’t really beat that.


And the points have credited…

What I’ll do with the additional “15k” Ultimate Rewards

I have to say…You should always look at opportunity cost. I pushed an extra $10k spend on the card, earning just 1x on the purchases, when I could have earned 1.5x with the Chase meaning I netted 15k Ultimate Rewards vs 20k. I have a little something I’d like to do that involves a Hyatt transfer. Alila Big Sur is now redeemable for just 30k Ultimate Rewards and it’s all inclusive – so I’m really thinking this should happen. Rates are nearly $2k a night – what an insane use of Hyatt points.

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Chase Sapphire Preferred® Card


The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based. 

Welcome Offer

60k Points after $4k spend in 3 months

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash , Ink Business Unlimited you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred® continues to redeem at 1.25c in the Chase Travel Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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