A few months back, Chase rolled out two massive bonuses on a pair of no-annual-fee business cards that are among the best credit card offers, period. Better yet, both of these record-tying offers are still available … but for how much longer?
For a limited time, you can currently earn $900 cash back (or 90,000 Chase Ultimate Rewards points) on both the *Ink Cash* and the *Ink Unlimited* after spending just $6,000 in the first three months of card membership.
That's up from the standard welcome offer bonuses of $750 cash back (or 75,000 Ultimate Rewards points) for the same spending requirement. And it matches the best welcome bonus offer we have ever seen on both cards.
So long as you can spend $6,000 in the first three months of card membership, you won't find a better or cheaper way to earn almost 100,000 Chase points right now. Those 90,000 points are worth at least $1,125 towards travel booked through the Chase Ultimate Rewards Travel Portal or potentially much more by using Chase's transfer partners like Hyatt, United, Southwest Airlines, and more.
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 into valuable Chase Ultimate Rewards points so long as you hold another Chase card that earns them, including the *chase sapphire preferred*, the *chase sapphire reserve*, or even the *chase ink preferred*.
But remember: Whether it's a personal card or for a small business, credit cards are serious business. You should never apply for a credit card unless you can afford to pay off every dime you charge.
Read on for everything you need to know about the Ink Unlimited and Ink Cash cards and these record-tying limited-time bonus offers.
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 limited-time offer of a $900 cashback bonus after spending $6,000 in the first three months as 90,000 Chase Ultimate Rewards points, sending the points over to Chase transfer partners to book flights or hotels or booking travel directly through the Chase travel portal.
Full Benefits of the Chase Ink Business Cash Credit Card
- $900 cash back (or 90,000 points) after spending $6,000 in the first three months of card membership. This is a limited-time offer!
- This 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
Learn more about the *chase ink cash*.
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 another Chase card that earns Ultimate Rewards in your wallet, you can turn that cashback into points you can use for booking travel. And this card acts much like the *freedom unlimited* personal credit card from Chase.
You'll earn an unlimited 1.5% back (or 1.5x Ultimate Rewards points) on every dollar you spend with the Ink Unlimited. So when you factor in the 90,000-point welcome offer bonus and the ability to earn 1.5% cash back on the $6,000 you'll spend to earn that bonus, you'll end up with about 99,000 points when all is said and done.
Full Benefits of the Chase Ink Business Unlimited Credit Card
- $900 cash back (or 90,000 points) after spending $6,000 in the first three months of card membership. This is a limited-time offer!
- This card has no annual fee
- 1.5x points (1.5% cash back) on all purchases made for your business
- 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
Learn more about the *chase ink unlimited*.
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?
Keep in mind, Chase doesn't restrict you from having both cards, so that's an option. 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.
One thing to note: Both of these cards charge foreign transaction fees. That means if you have upcoming international travel, you'll want to make sure to have a card in your wallet that will waive them.
Read our master guide to the Chase Ink 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 can 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 – though that won't always be the case.
Read our master guide to credit card applications.
Bottom Line
Chase is out with offers record-tying offers to earn $900 cash back (or 90,000 Chase Ultimate Rewards points) on the Chase Ink Cash and Ink Unlimited Business Cards.
These offers first rolled out back in September but are only available for a limited time. We're not sure exactly when they will end just yet, but we don't think they will be around for too much longer. Act fast if you are thinking about applying!
Learn more about the *chase ink cash*.
Learn more about the *chase ink unlimited*.
How does one turn the cash back into reward points?
You have to have a card that earns Chase Ultimate Rewards points. Assuming you do, this guide walks through how to do it.
https://thriftytraveler.com/guides/points/how-to-transfer-points-between-your-chase-cards/
Still don’t understand. I have Chase Ink and Chase Sapphire already. I want to apply for another Ink. It says $900 cash back. I don’t want cash, I want 90,000 UR points. Exactly how does one go about “transferring cashback value“ into points? Do I need to call Chase? When I get this new Chase ink card, will it show 90,000 points or only $900?
It’s quite simple for me to transfer my current Ink to CSR points but I don’t understand this cash back part.
It’s the same process as your current Ink card.
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.
We don’t know for sure. It’s been around since last summer, but it could end at any time.
Several other sites say “scheduled to end March 21, 2023 at 9am EST.”
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.
What if you don’t spend the $6000 in 3 months?
You won’t earn the bonus.
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?