Change To Chase Ink Bold Card From 31 August

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The Chase Ink Bold card has been a favourite of mine for some time. For years this was the go-to Business charge card for most people in the points & miles hobby. The ability to earn 5x Chase Ultimate Rewards Points per dollar at office supply stores, on phone bills (cell and landline) as well as on internet and cable/satellite TV bills helped me rack up a healthy balance of my favourite rewards currency and allowed me to stay in some pretty fantastic hotels.

Unfortunately Chase decided to do away with the card at the end of last year leaving only the credit card version (Chase Ink Plus) open to new applicants – existing card holders got to hold on to their cards. Now, for those of us that still hold the card, it looks like the Ink Bold is going to change a little bit.

According to a message I received from Chase via the “Secure Message Center” it looks like the Chase Ink Bold is going to go from being a charge card to being a credit card as of 31 August.

Dear Valued Ink Bold® Cardmember,

We want to let you know about some upcoming changes to the Ink Bold business card. The Ink Bold card will now provide greater flexibility and transparency.

What’s changing as of August 31, 2015

You can continue to pay your balance in full each month, but you’ll now have the option to pay new balances over time. Choosing to pay over time will result in interest charges. You will pay no interest charges on purchases if you continue to pay your balance in full every month by the due date and time.

Instead of a flexible spending limit, your account will have a stated credit access line, which you will see on beginning August 31 and on your September monthly statement.

Apparently cardholders were all sent a letter about this recently but either the mailman has eaten it or I’ve yet to receive my copy – so this is still news to me.

One downside to this change is that “I need a credit card as well as a charge card” will no longer be a line Ink Bold card holders can use when asking Chase to consider them for the Chase Ink Plus credit card.

Another possible downside that people may encounter is that their credit line may be lower than the flexible spending limit they’ve been used to so a change in shopping tactics may be in order – especially when it comes to purchasing all those Visa gift cards at office supply stores!

In the grand scheme of things this change is not that big of a deal to me and I’ll be interested to see what credit limit Chase considers me worthy of when 31 August rolls around.


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