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What if you could earn a best-ever $1,000 cash-back bonus from a no-annual-fee business credit card? Right now, that's possible with not one but two cards: the Ink Business Cash® Credit Card (Rates & Fees) and the Ink Business Unlimited® Credit Card (Rates & Fees).
Both cards can be valuable additions to a small-business owner's wallet, and the elevated welcome bonuses make now an especially good time to apply. Here's a closer look at the current offers and the best features of each card.
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn unlimited 1.5% cash back on every purchase made for your business
Earn $1,000 With the Ink Cash and Ink Unlimited
The Ink Cash and Ink Unlimited are both offering the highest welcome bonuses we've ever seen on either card. Here's the full text of each offer:
- Ink Business Cash® Credit Card: Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Ink Business Unlimited® Credit Card: Earn
$750$1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
At face value, each bonus is worth $1,000 in cash back. However, if you also have a Chase card that earns Ultimate Rewards points, you can combine your rewards and transfer them to Chase's airline and hotel partners. In other words, the $1,000 cash-back bonus can effectively become 100,000 Ultimate Rewards points.
AwardWallet users redeem Chase Ultimate Rewards points for an average value of 2.02¢ per point. Based on that valuation, the welcome bonus could be worth more than twice its cash-back value when redeemed strategically for travel.
Related: Comparing Chase Ink Business Cards — Which One Is Right for You?
Ink Cash Overview
The Ink Cash and Ink Unlimited share a lot in common, but the Ink Cash is the better pick if your business spends heavily in traditional categories like office supply stores or on internet, cable, and phone services. That’s where this card shines the brightest.
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Outside of the bonus earning categories, the no-annual-fee Ink Cash has a few useful benefits, including:
- Introductory APR on purchases: 0% Intro APR on Purchases for 12 months from account opening. After that, 16.74% - 24.74% Variable APR.
- Auto rental collision damage waiver
- Purchase protection and extended warranty protection
- Baggage delay insurance
- Fraud and zero liability protection
- Business management tools
- Access to Visa SavingsEdge
However, it's worth noting that the Ink Cash does impose foreign transaction fees of 3% of each transaction in U.S. dollars.
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Ink Unlimited Overview
If your business doesn’t spend heavily in any one category, the no-annual-fee Ink Unlimited may be the better fit. That’s because it features a single, catch-all bonus category: Earn unlimited 1.5% cash back on every purchase made for your business
Beyond its earning structure, the Ink Unlimited offers many of the same benefits as the Ink Cash:
- Introductory APR on purchases: 0% Intro APR on Purchases for 12 months from account opening. After that, 16.74% - 24.74% Variable APR.
- Auto rental collision damage waiver
- Purchase protection and extended warranty protection
- Baggage delay insurance
- Fraud and zero liability protection
- Business management tools
- Access to Visa SavingsEdge
The Ink Unlimited also imposes foreign transaction fees of 3% of each transaction in U.S. dollars.
- Earn
$750$1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening - Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
Application Rules and Restrictions
If you’re considering applying for the Ink Cash or Ink Unlimited, there are a few important rules and restrictions to keep in mind before you submit an application:
- The Chase 5/24 rule: Business cards generally don’t add to your 5/24 count, but you still need to be under 5/24 to qualify for a new business card. Here’s how to check your 5/24 status for free.
- Business requirement: These are business cards, so you must run a business to be eligible. If you have a registered business, apply using your business information. If your business is a side hustle, you can apply as a sole proprietor using your Social Security number and your personal information — including your total household income, not just your business income.
- Application limits: Chase restricts how many cards you can be approved for in a short time. You can get no more than two personal cards within 30 days, and just one business card in that same period. Applying for too many cards too quickly can raise red flags and even put your existing accounts at risk. The optimal approach is to stick to no more than one personal and one business Chase card every 90 days.
You'll also find the following language on each card's application page:
“The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee. We may also consider factors pertinent to your business in determining your bonus eligibility.”
Related: Getting a Small Business Credit Card Is Easier Than You Think — Here’s How to Apply
Bottom Line
The Ink Cash and Ink Unlimited are both offering the best welcome bonuses we've ever seen on these cards.
If you're under Chase's 5/24 limit and eligible for a business card, now is an excellent time to apply. Beyond the lucrative welcome bonuses, both cards offer rewarding earning potential, useful benefits, and no annual fee — making them valuable long-term additions to your wallet.
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn unlimited 1.5% cash back on every purchase made for your business
For rates and fees of the cards mentioned in this post, please visit the following links: Ink Business Cash® Credit Card (Rates & Fees), and Ink Business Unlimited® Credit Card (Rates & Fees)
