Chase’s Ink Business Unlimited And Business Cash Cards Release Massive $900 Sign-Up Bonuses

The offers in this post have been updated or are no longer available. Please see the issuer site for current product information.

It’s harvest season and Chase is making hay. Starting September 21, 2023 both the Chase Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card come with frightfully good welcome bonuses, worth up to $900 for each card. That matches the largest ever offer for new cardholders. Here’s the details:

• The Ink Business Unlimited® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. The previous offer was $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.
• The Ink Business Cash® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. The previous offer was $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.

Chase’s suite of Ink credit cards are popular among small business owners for offering generous rewards in typical areas of business spending, along with valuable travel and purchase protections.

If you’re tempted by the latest offers on both the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card but are stuck trying to determine which one might be best for your business, here’s a breakdown of each card below.

 Ink Business Unlimited® Credit Card

• Annual fee of $0
• Earn 1.5% cash back rewards on every business purchase
• 0% introductory APR for 12 months on purchases, then a 18.49% – 24.49% variable APR applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies
• Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
• Employee cards at no additional cost
• Visa Signature benefits including primary auto rental insurance, purchase protection and extended warranty protection

Ink Business Cash® Credit Card

• Annual fee of $0
• 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 and 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
• 0% introductory APR on purchases for 12 months, then a standard APR of 18.49% – 24.49% variable applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies
• Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards
• Employee cards at no additional cost
• Visa Signature benefits including primary auto rental insurance, purchase protection and extended warranty protection

Ultimately the best one for you will depend on your business spending habits and your tolerance for tracking bonus category caps. Whichever card you choose, know that if you also hold a premium Chase Ultimate Rewards-earning card, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or the Ink Business Preferred® Credit Card you can pool your earnings and redeem them through the Chase Ultimate Rewards center for an increased value per point when redeemed for travel and eligible Pay Yourself Back purchases or transfer your rewards to one of Chase’s travel transfer partners for potentially even greater value.

Be aware that although these two cards are business cards, you won’t be eligible to apply for them if you’ve opened five or more new credit card accounts in the last 24 months (aka Chase’s 5/24 rule). However, if you do apply for one of the cards and are approved, that won’t count towards 5/24.