Earn 75K Point Bonuses on Both the Ink Cash & Unlimited Cards

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Chase Ink business credit cards

Earn 75K Point Bonuses on Both the Ink Cash & Unlimited Cards

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After several months with record-setting bonuses, two of the best offers on a pair of Chase business credit cards have officially disappeared.

But right now, you can currently earn $750 bach back (or 75,000 Chase Ultimate Rewards points) on both the Chase Ink Business Cash® Credit Card and the Chase Ink Business Unlimited® Credit Card. And neither charges an annual fee.

Not sure if you're eligible to open business credit cards? Trust us: You might be!

Whether you've got a full-fledged small business or just a side hustle, you could easily be eligible to open a business credit card. While these cards technically earn cash back, you can turn that cash back into valuable Chase Ultimate Rewards points as long as you hold a card that earns them, including the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®

Whether it's a personal card or for a small business, credit cards are serious stuff. You should never apply for a credit card unless you can afford to pay off every dime you charge.

Read more: 4 Reasons to get a Chase Ink Cash or Unlimited Card right now

 

Chase Ink Business Cash® Credit Card

Think of the Chase Ink Business Cash® Credit Card as the small business equivalent of the Chase Freedom Flex℠.

You'll earn 5% back on select business spending categories on up to $25,000 each year – although the categories don't rotate quarterly as they do on the Freedom Flex card.

While this card is marketed as a cashback card rather than a points-earning card, it’s simple to accumulate Chase Ultimate Rewards points. As we mentioned, you just need to hold a personal or business credit card that earns Ultimate Rewards points. That way, you can transfer the “points” over from your Ink Business Cash Card.

That means you can then use the current offer of a $750 cashback bonus after spending $6,000 in the first three months as 75,000 Chase Ultimate Rewards points, sending the points over to Chase transfer partners, or booking directly through the Chase travel portal

 

Full Benefits of the Chase Ink Business Cash Credit Card

  • $750 cash back (or 75,000 points) after spending $6,000 in the first three months of card membership. 
  • The card has no annual fee
  • 5x points (5% cash back) on internet, cable, and phone service; office supply purchases on your first $25,000 of spending each year. 
  • 2x points (2% cash back) on restaurants and gas stations on your first $25,000 of spending each year.
  • 1x points (1% cash back) on all other eligible spending
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost

 

chase ink business cash

 

Learn more about the Chase Ink Business Cash Credit Card

 

Chase Ink Business Unlimited® Credit Card

Much like the Ink Cash card, the Chase Ink Business Unlimited doesn’t earn points outright. But so long as you’ve already got an Ultimate Rewards-earning card in your wallet, you can turn that cashback into Ultimate Rewards Points. And this card acts much like the Chase Freedom Unlimited® personal credit card from Chase. 

 

Full Benefits of the Chase Ink Business Unlimited Credit Card

  • $750 cash back (or 75,000 points) after spending $6,000 in the first three months of card membership. 
  • The card has no annual fee
  • 1.5x points (1.5% cash back) on all purchases
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost

 

chase ink unlimited

 

Learn more about the Chase Ink Business Unlimited Credit Card.

 

So Which Chase Ink Card is Best?

That’s a tough one. There's no one-size-fits-all answer: It really depends on the spending patterns of your small business.

If you’re paying serious cash on internet service or office supplies for your business, the Chase Ink Business Cash card's 5x points (5% back) on internet, cable, and phone service and at office supply stores is second-to-none.

Meanwhile, the Chase Ink Business Unlimited is about as good of an all-around spending card as you’ll find – especially for having no annual fee. If none of the spending categories above stick out but you’ll still be racking up some business expenses, earning 1.5x points on all purchases is stellar.

Read next: Which Chase Ink card offers the best return for your business?

Critically, Chase doesn't restrict you from having both cards, so that is always an option as well. And considering both these cards are offering their biggest ever welcome offer bonus for a limited time, now is a great time to make your choice and apply.

Check out our list of Top Business Credit Cards

 

Special Considerations with Chase Ink Business Cards

If you’ve applied for or read about Chase credit cards, you’ve likely come across the bank's dreaded 5/24 rule.

Basically, Chase won’t accept applications if you’ve opened five or more cards in the last 24 months from any bank – not just Chase. With business cards, that same rule applies … kind of. 

 

 

For starters, you will need to be under the 5/24 limit in order to get approved for a Chase Ink Business card … but that approval won't add to your 5/24 count. So if you've opened three or four credit cards in the last two years, it might be the perfect time to apply for one of these cards. That way, it won’t hinder any applications for other future Chase cards.

And there’s one other detail that makes these cards even more alluring. While Chase restricts earning bonuses on both the Chase Sapphire Preferred and Chase Sapphire Reserve, that’s not true of the Ink Business family. You can stack welcome bonuses from several of these cards, so long as you’re approved. 

But Chase can be very stingy with approvals for business credit cards. Be prepared to provide business paperwork and answer a lot of questions.

Read our master guide to credit card applications.

 

Bottom Line

Chase is out with offers to earn $750 cash back (or 75,000 Chase Ultimate Rewards points) on the Chase Ink Cash and Ink Unlimited Business Cards.

 

chase ink business cash

 

Learn more about the Chase Ink Business Cash® Credit Card

 

chase ink unlimited

 

Learn more about the Chase Ink Business Unlimited® Credit Card.

 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

15 Responses

  • Any idea how long the 90,000 bonus will last?
    I wanted to take advantage of the bonus categories on the Freedom Flex this quarter before I opened a new card with a minimum spend – but now I’m not sure I should wait since this is such a good offer.

  • P2 closed their account in October 2022 but got their signup bonus in 2020. Would they still be eligible for this offer?

    • They should be eligible as the restriction is from when you last earned a bonus. You can’t earn another bonus if you earned the last one within 24 months. You will also need to be underneath the Chase 5/24 rule.

  • Applied last week 3/6/2023, but my account is showing the promotion is 75,000 points instead of 90,000. I escalated to marketing team, anyone having the same issue?

  • Does the $6000 spend have to be on business expenses? Does Chase look at or monitor that? I have my own business and should get approved for the card no problem and could easily spend the $6000 to get the bonus but it wouldn’t be on business expenses. I would only use it for business expenses after achieving the bonus, but would need to make non-business purchases to hit the $6000.

  • I’d like to apply for both cards. However, I’m waiting on one of my current CC’s to report that its balance has been paid in full. (Full payment was sent on Friday and should post by mid-week. The statement closes on 04/07). This way I can qualify for a higher credit line, which I could use. My current FICO with Experian is 839 but will be closer to 850 after my one remaining balance is brought down to zero. So, my question is how much time do I have left before this deal expires? How much longer can I wait?

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