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We love best-ever welcome bonuses. And we love them even more when they come from cards with no annual fee. And if you want to grab a best-ever welcome bonus on a no-fee card, look no further than the Ink Business Unlimited® Credit Card (Rates & Fees).
This card is currently offering $1,000 cash back after you meet the minimum spending requirements.
While the bonus is advertised as cash back, you can redeem it for far more than the face value if you hold a qualifying Chase card. That's because you can combine your cash back into Ultimate Rewards points.
Let's take a closer look at this Ink Unlimited offer.
- 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
Why Should You Get the Ink Unlimited?
The Ink Unlimited is perfect for small business owners who like simplicity. It offers a competitive 1.5% cash back on all purchases while charging no annual fee alongside offering a few useful travel and purchase protection benefits.
And to top all that off, new applicants can take advantage of a $1,000 bonus after you spend $8,000 on purchases in the first 4 months from account opening.
What is the Ink Unlimited sign-up bonus worth?
At face value, the Ink Unlimited‘s sign-up bonus is worth $1,000.
However, this offer can be worth far more than $1,000 if you pair your rewards with a premium Ultimate Rewards card, such as the Chase Sapphire Preferred® Card (Rates & Fees), the Chase Sapphire Reserve® (Rates & Fees), or the Ink Business Preferred® Credit Card (Rates & Fees).
If you can maximize Chase's travel partners after combining your rewards, the Ink Unlimited‘s welcome offer is worth closer to $2,000 — based on the 2.04¢ apiece rate AwardWallet users typically redeem Chase points for.
Ink Unlimited key benefits
For a no-annual-fee card, the Ink Business Unlimited® Credit Card has a decent assortment of benefits. Some of the top examples include:
- 0% Intro APR on Purchases for the first 12 months, then a Variable APR of 16.74% - 24.74%
- Employee cards at no additional cost
- Earn unlimited 1.5% cash back on every purchase made for your business. That means there's no need to keep track of spending categories.
- Primary rental car theft and collision damage coverage
- Purchase protections including 120 days of damage and theft protection and one year of extended warranty protection
Related: Ink Unlimited Full Review
Does the Ink Unlimited Earn Points or Cash Back?
The Ink Unlimited earns Ultimate Rewards points. However, these points can't be transferred to Chase's airline and hotel transfer partners — unless you combine points with one of several other Ultimate Rewards cards (see below).
If you only hold the no-annual-fee Ink Unlimited, you can redeem these points for:
- Up to 1.25¢ per point for eligible purchases through Pay Yourself Back
- 1¢ per point as cash back (statement credit or direct deposit), gift cards, and travel booked through the Chase Travel℠ portal
- 0.8¢ per point toward Amazon purchases
However, Chase lets cardholders to combine points between different accounts — including between business and personal accounts. That means you can transfer the points earned from the Ink Unlimited welcome offer to Ultimate Rewards partners if you have one of these cards:
- Chase Sapphire Preferred® Card (Rates & Fees)
- Chase Sapphire Reserve® (Rates & Fees)
- Ink Business Preferred® Credit Card (Rates & Fees)
- Sapphire Reserve for Business℠ (Rates & Fees)
Combining points with one of the above cards will also make your points more valuable for booking travel through the Chase Travel portal. Instead of redeeming at 1¢ per point, you'll get up 2¢ apiece, depending on which card you hold. In short, the no-annual-fee Ink Unlimited is even better when paired with another Ultimate Rewards-earning card.
$95Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
$795Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
$795Rates & Fees
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
Ink Unlimited Application Restrictions
In addition to your overall creditworthiness, Chase can restrict Ink card approvals based on its unpublished 5/24 policy.
Chase applies this policy to all Chase personal cards and generally applies this policy to Ink business cards as well. That means you'll want to check your 5/24 status to ensure you're under 5/24 before applying. If you're under 5/24, you should be eligible for the Ink Unlimited.
Business credit cards generally don't count toward your 5/24 status. As the Ink Unlimited is a small business card, opening it won't hurt your 5/24 status for future Chase applications.
Also, note that Chase typically won't approve applicants for more than two personal credit cards within a 30-day period or more than one business credit card within a 90-day period. There are also specific terms that determine who is eligible for the welcome bonus:
“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.”
Bear these rules in mind if you're considering applying.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Our Take
Earning a 100,000-point (or $1,000) bonus on a no-annual-fee card is simply incredible. This bonus is the highest sign-up bonus we've ever seen Chase offer for the Ink Unlimited.
In fact, this is one of the highest sign-up bonuses we've seen on any of Chase's no-annual-fee cards! And if you're eligible, this isn't one to let slip away.
- 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
For rates and fees of the cards mentioned in this post, please visit the following links: Ink Business Unlimited® Credit Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), and Sapphire Reserve for Business℠ (Rates & Fees)
Can this card be used to pay property tax?
It sure can. Just make sure to factor in any fees you might be charged for using your card to pay your taxes.
I was approved today (by phone – call initiated by Chase after online application 5 days ago) for a Chase Ink Cash at 6/24.
90,000 has seemed to have expired, now there is an elevated referral bonus only….
We are still seeing the 90k bonus on our end. Are you clicking through one of the links from this post?
Has Chase become more lenient in issuing business cards? I have applied in the past, and Chase wanted all kinds of documentation. I recently applied for a Barclays business card and was approved instantly. I thought the process was going to be difficult. but it wasn’t.
Chase is definitely a mixed bag. In some recent data points, Chase was happy to approve an application instantly. Others are having to call for reconsideration. I’m not sure what the criteria are.
If i sign up for both cards for 1 company, will i get both sign up bonuses for both cards?
How much do you have to spend and in what time frame to qualify for the 90,000 points?
The current offer requires $6,000 of spending in 3 months from account opening.
Good morning, I’m writing in regards to the chase ink for business card. We currently are Inc. business card holders. However, we are not currently using your card because it is simply not competitive with our capital one card. The offer that is presently available on award wallet, has renewed our interest in your card. If there is a way that we can take it vantage of transferring our current card, to the new card with 1.5 points per dollar spent, and the sign-up bonus, we would be very interested in using your card again. please let me know if there is an opportunity for us to transfer our corporate account.
Hey Glenn. This is a comment on the AwardWallet site, not on Chase.
However, you wouldn’t be able to earn the bonus by transferring your current account. Instead, you would need to sign up for a new card account to earn the sign-up bonus. And there’s no real downside to doing so! You can keep your existing card and get the benefits of the new one – without having to pay an annual fee.
Have CSP, IHG, C1Vx (3/24_ to nov
Applied for 2 INK dec 22′, jan 23 in addition to 3/24 personal.
Seems your implying I’m at 5’24 correct? any posts other site many re getting multiple biz cards all in6 months-year.
Chase rep I spoke with had no written communication on either topic 5/24 as applied to personal or biz but did acknowledge it exists on personal side/.
So since many posters are getting approved claiming well over 5/24 where are you getting your DP?
Appreciate a link.
Ink cards (and other business cards that aren’t reported to your personal credit report) don’t increase your count. But, from what we understand, Chase still considers whether or not you’re under 5/24 when deciding whether or not to approve you for an Ink card.
Thanks for the heads up! When do these offers expire??
If I get one of the Ink Business cards for my business, will I be able to transfer the UR points to my wife’s Sapphire card, if I am an authorized user on her card?
That’s a great question that I wanted to take a look into. It seems like you won’t be able to transfer points from your Ink to your wife’s Sapphire card.
I have a similar situation: I have a couple of Ink cards, and my wife has a Sapphire card. And I couldn’t figure out a way to move the points. With that said, I could transfer my Ink points to my wife’s World of Hyatt account, as she is an authorized user on my Ink accounts.
You can transfer Chase UR between different Chase customers in the same household. It used to be much easier to set up through the website, and now you have to call. But it’s still possible, and super easy to do once the link is established. This will be much easier than Hyatt transfers (which requires submitting a form and is limited to one transfer (inbound or outbound) every 30 days for each WOH member—use this approach for transfers between people not in the same household).
Confirmed – very easy to call and transfer UR to another household member.
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.
I own 4 separate businesses and currently do not have credit cards for any of them. I have done credit card hacking in the past on the personal side and I’m considering using this bonus. My question is this: Does the 5/24 rule apply for businesses and if not, can I get the 90,000 in bonuses for all 4 companies if I meet the minimum spend requirements? Thanks!
The 5/24 rule does apply to these business cards. However, signing up for these cards doesn’t add to your 5/24 count. I do not see any restrictions in the terms restricting getting the same card for different businesses. However, you’re probably going to have the best chance if the businesses each have a different EIN.
“The 5/24 rule does apply to these business cards. However, signing up for these cards doesn’t add to your 5/24 count.”
If a 5/24 does apply—–how can it not be counted.
That’s the purpose of 5/24–all eligible cards counted in 24 month period and can’t exceed 5.
When Chase considers whether or not to approve you for an Ink card, it looks at how many personal cards you’ve opened in the past 24 months. However, when you sign up for an Ink card, that new card isn’t reported to your personal credit report. So, say you’re at 4/24 when you apply for an Ink card. Chase will approve you for the Ink card since you’re 4/24. But, you won’t become 5/24. Instead, you’ll stay at 4/24.
Where do you get that its 90,000 UR points, everything just says 900$ cash back, I dont see where it comes in the form of points??
Chase uses points and cashback rather interchangeably (and confusingly). Technically you earn 90,000 Ultimate Rewards points (T&C: “You will receive 90,000 bonus points with this bonus offer, which can be redeemed for $900 cash back. To qualify and receive your bonus, you must make Purchases totaling $6,000 or more during the first 3 months from account opening.”). However, these UR points can’t be transferred to airline/hotel partners unless you have another Chase card that charges an annual fee. Otherwise, these UR points can be redeemed for cashback and other fixed-value redemptions: (“How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third-party merchants. Redemption values for reward options may vary.”)
If I sign up for ink card now, and sign up for Chase Sapphire Reserve card in 3 months, will I be able to transfer these points at that time? Or do I need to have an existing Sapphire chase account when applying for the Ink card?
Great question! You can pool your earnings and then transfer the points to your CSR (or CSP or Ink Preferred) once you open that card. And that’s a next-level strategy that I love recommending to cardholders that want to “level up” their earnings.