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What if we told you that you could apply for a business card with no annual fee and earn a $900 cash back sign-up bonus after meeting the minimum spending requirement? Even better, this offer is available on not just one card but two cards — the Ink Business Cash® Credit Card (Rates & Fees) and the Ink Business Unlimited® Credit Card (Rates & Fees).
Both cards are valuable additions to any rewards strategy. But elevated bonuses make right now the ideal time to get one of them. 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 at gas stations and restaurants 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
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Ink Cash vs Ink Unlimited: Sign-Up Bonuses
Both the Ink Cash and Ink Unlimited are currently offering identical elevated sign-up bonuses that match the highest offers we've seen on either card. Here’s the full text of each bonus:
- Ink Business Cash® Credit Card: Earn $900 when you spend $6,000 on purchases in the first three months after account opening.
- Ink Business Unlimited® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
At face value, each card’s bonus is worth $900. But if you also hold a card that earns Chase Ultimate Rewards points, you can combine your rewards and transfer them to Chase’s travel partners.
On average, AwardWallet users redeem Ultimate Rewards for 1.97¢ apiece. This means the welcome bonus can be worth nearly twice its face value if you use your combined rewards strategically.
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 at gas stations and restaurants 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, 17.49% - 25.49% 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 $900 when you spend $6,000 on purchases in the first three months after account opening
- Earn 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
- 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 at gas stations and restaurants 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, 17.49% - 23.49% 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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 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
- Member FDIC
- Rates & Fees
- 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.
Related: Getting a Small Business Credit Card Is Easier Than You Think — Here’s How to Apply
Bottom Line
Both the Ink Cash and Ink Unlimited are currently offering sign-up bonuses that match the best we’ve seen on either card. If you’re eligible for a business card and under 5/24, these are excellent cards to add to your wallet. And not only are the bonuses valuable, but these cards also offer strong earning potential, useful under-the-hood benefits, and charge no annual fee.
- 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 at gas stations and restaurants 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)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
