Credit Cards

Why I’m NOT Going to Refer My Friends for the Chase Ink Plus Business Card

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chaseinkI’ve been seeing these posts about referring friends for a Chase Ink Plus card and they’ll get 70,000 points for spending $5,000 in three months AND you’ll get 10,000 points for every friend you refer.

I was tempted. I started a mental list of friends who have their own business who could use this card. Then I stopped myself right there.

First, none of these friends collect points and miles (that I know of). I don’t know if they would even be interested in starting to do that. Obviously I think it’s a good idea, but what works for us isn’t what works for everyone.

Second, I don’t know any of these friends financial situation enough to recommend they get another credit card. I don’t know how much debt they already have. I don’t know their credit card habits. Do they pay it off every month or do they carry a balance? Would getting another card be more detrimental to them than helpful? Do they have a good, bad, or average credit score? I can’t answer any of those questions.

To some people, hitting a $5,000 minimum spend (and paying it off) in three months is easy, but that’s something I can’t say for sure for my friends. Would it be a struggle for them to hit the minimum spend? Would they do it no matter what even if it put them in further debt they don’t need? I am many things, but one thing I’m not is psychic, so I don’t know those answers.

Ultimately, I can’t try to “sell” this to my friends. Getting referral points is awesome and all, but I don’t want to encourage something that, for all I know, may be the worst thing for them to do in their current situation.


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Tiff's first big vacation was a Caribbean cruise when she was six. She first started getting interested in deals when her husband showed her the tricks to getting bought off your flights back in the late 90s. She started flying nonrev when they got married; the first unusual nonrev she did was in '05 when her family flew through San Juan to get to Dallas from Philly. They have two boys, ages 11 and 7, who she usually drags along on their travels and hopes they will grow up to love traveling as much as she does.


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