Exciting New $900 Bonus: Unmatched Offer on the Chase Ink Business Unlimited

If you're a business owner aiming to earn consistent cash back on your expenses, one of Chase's most sought-after business cards has an improved bonus available.

The Ink Business Unlimited® Credit Card returns with its best-ever offer: $900 in bonus cash after you spend $6,000 within the first three months of opening your account.

However, the Ink Business Unlimited isn't the only option within the Chase Ink Business lineup. There's also the Ink Business Cash® Credit Card, a fantastic cash-back choice that comes with no annual fee. For added value, you can convert the cash back earned from either the Unlimited or Cash cards into Ultimate Rewards points if you hold a Chase credit card that accumulates those points (such as the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or the Ink Business Preferred® Credit Card).

Lastly, there’s the Ink Business Premier® Credit Card, a cash-back option that does not permit cardholders to convert their rewards into Chase Ultimate Rewards points.

Remember, these are business credit cards. You might qualify for a business credit card even if your side venture is relatively small. There’s no requirement for a formal office or a large team to apply, meaning freelancers and sole proprietors can also be eligible, but you do need some type of business to apply for these cards.

Let’s take a moment to review each card to determine which one would be the most suitable for your small business needs.

Ink Business Unlimited Credit Card

Sign-up bonus: Receive $900 in bonus cash back after spending $6,000 within the first three months of account opening.

This is the most remarkable offer in the card's history, making it an ideal time to submit your application.

Annual fee: $0

Earning rate: 1.5% cash back on every purchase.

Who should apply: The Ink Business Unlimited is an excellent choice for small businesses and sole proprietors without concentrated spending in specific categories. Regardless of the category, you’ll earn a consistent 1.5% on all purchases.

Although it may not be the most rewarding flat-rate option for business owners, it's beneficial if you hold Chase Ultimate Rewards points-earning cards, allowing you to convert that 1.5% cash back into 1.5 points per dollar (equating to a 3.1% return, according to TPG's September 2024 valuations). For those with such cards, this welcome bonus could amount to $1,845 (in the form of 90,000 Chase points).

Explore the complete card review for the Ink Business Unlimited.

Ink Business Preferred Credit Card

Sign-up bonus: Earn 90,000 bonus points after spending $8,000 within the first three months of opening your account.

This bonus falls short of the average we've observed on this card in recent years. As per TPG's September 2024 valuations, this welcome bonus is valued at $1,845.

Annual fee: $95

Earning rates: Gain 3 points for every dollar spent on the first $150,000 in combined purchases annually in categories such as shipping, internet, phone, cable, travel, and advertising through social media and search engines; earn 1 point per dollar on all other transactions.

Who should apply: Small business owners who frequently spend in the bonus categories can earn up to 450,000 points annually on purchases related to travel, shipping, or telecommunications. This card also allows direct access to Chase's hotel and airline transfer partners without requiring another credit card to enable the points transfer feature.

Explore the complete card review for the Ink Business Preferred.

Ink Business Cash Credit Card

Sign-up bonus: Receive a total of $750 cash back — earn $350 cash back after spending $3,000 within the first three months of account opening, plus an extra $400 cash back after reaching $6,000 in spending within six months.

Additionally, you'll get a one-time 10% bonus on all eligible cash back earned during your first year if you open a new Ink Business Cash card by November 2024 and maintain a Chase Business Checking account by your first card anniversary (which will be sometime between March and November 2025).

Annual fee: $0

Earning rates: Enjoy 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services. Earn 2% cash back on the first $25,000 at gas stations and restaurants each year, and 1% on all other purchases.

Who should apply: The Ink Business Cash card is ideal for those who frequently shop at office supply stores and use internet, cable, and phone services. The office supply category is particularly advantageous, as many stores offer gift cards, allowing you to earn 5% back on gift cards for retailers that don't usually provide bonus rewards (like Amazon, unless you have a card specifically for those purchases).

Explore the complete card review for the Ink Business Cash.

Ink Business Premier Credit Card

Sign-up bonus: Receive $1,000 bonus cash back after spending $10,000 within the first three months of account opening.

Annual fee: $195

Earning rates: Receive 2.5% cash back on purchases of $5,000 or more, and 2% back on all other purchases.

Who should apply: This card is perfect for small-business owners seeking a flexible spending limit (there's no set credit limit, but you must pay the balance in full each month without carrying over). If you can adhere to these conditions, you'll benefit from unlimited earning potential and enhanced cash-back rates on significant purchases.

However, it's important to note that rewards from this card cannot be combined with other Chase points.

Explore the complete card review for the Ink Business Premier.

Are these bonuses worthwhile?

These cards are a smart choice if you anticipate a major purchase that could help you earn one of these sign-up bonuses or take advantage of their earning rates sooner rather than later.

Although these cards won't contribute to your Chase 5/24 total, you still need to stay within the limit for the 5/24 rule to be eligible for any Chase cards. If you've opened five or more credit cards (from any issuer) in the past 24 months, your application may be declined, with rare exceptions to this rule.

Business credit cards — especially those offering substantial sign-up bonuses — often come with higher spending thresholds to qualify for the bonus. If your business can meet these criteria, now is an excellent opportunity to apply for the generous bonuses available on Chase business cards.

Conclusion

If you're able to link your rewards with an existing Ultimate Rewards account, these bonus offers become even more advantageous. While it's important to keep the 5/24 rule in mind when applying, these current offers are definitely worth exploring. Most small businesses should easily meet the spending requirements to benefit from the bonuses, and either of the no-annual-fee Ink business credit cards would make a great addition to anyone's collection.

If you're seeking a larger bonus, take a look at the $900 cash bonus (90,000 points) available with the Ink Business Unlimited.

For further information on these cards, check out our guide to Chase Ink Business credit cards.