Chase is offering its highest welcome bonus in a year on two Ink Business credit cards with no annual fee — but the offers expire soon.
both Ink Business Unlimited® Credit Card (See rates and fees) and Ink Business Cash® Credit Card (See Rates and Fees) They are solid options for small businesses, with fixed-rate or bonus tier earnings structures that can add up quickly.
New applicants for either card can currently receive $900 in bonus cash after meeting minimum spending requirements. These are the highest rewards we’ve seen on these cards in the past year, and they’re only available through November 13 at 9 a.m. EST. So, if you’ve been waiting to make an exciting offer, now is the time.
Keep in mind that these are business credit cards. You don’t need a large company with employees to qualify — even freelancers, sole proprietors, and those with side jobs may be eligible. However, you will need to do a project to apply.
Convert cash back into Chase points
While Ink Business Unlimited and Ink Business Cash technically earn cash back, you can convert that cash back into Chase Ultimate Rewards points if you also hold a premium card like the Sapphire Card or Ink Business Preferred® Credit Card.
Doing so can dramatically increase the value, as points can be redeemed for travel at higher prices or transferred to airline and hotel partners.
(Note that although the Chase Ink Business Premier® Credit Card is also a cash back card, its cash back cannot be converted into points.)
Information for Ink Business Preferred and Ink Business Premier was collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Inc Business Unlimited Credit Card
Welcome Bonus: Earn a $900 cash bonus after spending $6,000 on purchases in the first three months after opening the account. Offer ends November 13 at 9am EST.
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This is the highest bonus offered on this card in the past year (it last appeared in November 2024), making now an excellent time to apply.
Annual fees: $0
Profit rate: 1.5% cash back on all purchases
Who should apply: Ink Business Unlimited is a great option for small businesses and sole proprietors who don’t focus on spending in specific spending categories. Regardless of the category, you will receive a flat rate of 1.5% on all purchases.
While it’s not the best flat-rate option for business owners, it comes in handy if you have credit cards to earn Chase Ultimate Rewards points to convert 1.5% cash back into 1.5 points per dollar (3.1% yield, based on TPG’s November 2025 ratings).
To learn more, read our full review of Ink Business Unlimited.
Apply here: Ink Business Unlimited
Business cash credit card ink
Welcome Bonus: Earn a $900 cash bonus after spending $6,000 on purchases in the first three months after opening the account. Offer ends November 13 at 9am EST.
This is the highest bonus we’ve seen on this card and the first time it’s been offered since January 2024, making now a perfect time to apply.
Annual fees: $0
Profit rates:
- 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account year)
- 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account year)
- 1% cash back on all other purchases
Who should apply: Ink Business Cash is great for anyone who spends a lot at office supply stores and on Internet, cable, and phone services. These are common expenses for many small businesses, so most business owners should be able to maximize their rewards with this card.
To learn more, read our website Full review of Ink Business Cash.
Apply here: Cash business ink
Ink Business Preferred Credit Card
Welcome Bonus: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months after opening the account.
According to TPG’s November 2025 ratings, this welcome bonus is worth $1,845.
This bonus is the standard offer we see on this card. We’ve seen better offers in the past, so we recommend waiting until at least 100,000 points are offered.
Annual fees: $95
Profit rates:
- 3 points per dollar on shipping, internet, cable and phone services, travel, and social media and search advertising purchases (on the first $150,000 spent in combined purchases across these categories each year, then 1 point per dollar)
- One point per dollar on all other purchases
Who should apply: Small business owners who spend heavily in the above reward categories will be happy to earn up to 450,000 points annually on those purchases. This card also provides access to Chase’s airline and hotel transfer partners, so it can stand alone in your wallet.
To learn more, read our website A complete review of my favorite ink works.
RELATED: Who Is Eligible for the Chase Ink Business Preferred Card?
Inc. Business Premier Credit Card
Welcome Bonus: Earn $1,000 in bonus cash after spending $10,000 on purchases in the first three months after opening the account.
This has been the standard bonus for this card since its launch in late 2021; We haven’t seen any high offers, so now is a good time to apply.
Annual fees: $195
Profit rates:
- 2.5% cash back on purchases of $5,000 or more
- 2% cash back on all other purchases
Who should apply: This card is ideal for small business owners looking for a card with a flexible spending limit. This means you must pay the bill in full each month and cannot keep a balance. If you can meet these criteria, you will enjoy the unlimited earning potential on this card.
However, it should be noted that rewards from this card cannot be combined with award-winning Chase Ultimate Rewards cards.
To learn more, read our website Full review of Ink Business Premier.
Are these rewards worth it?
It’s worth getting one of these cards if you have a big purchase coming up and want to use it to earn one of these welcome bonuses, or if you want to take advantage of their earning rates sooner rather than later.
While these cards will not be added to your account Chase totals 5/24, you must be under this number to apply for any cards with Chase. If you’ve opened five or more credit cards (from any bank) in the past 24 months, you’ll likely be rejected when you apply.
Business credit cards — or cards with larger welcome bonuses — tend to have higher spending requirements to realize the reward. If you can meet this condition, the welcome bonus is always worth the effort.
Related: The Ultimate Guide to Credit Card Application Limitations
Bottom line
If you can combine your rewards with an existing Ultimate Rewards account, these rewards offers will be even more valuable. While you should consider 5/24 when applying, it’s definitely worth considering these current offers.
Remember that the current welcome bonuses for Ink Business Unlimited and Cash business ink — which is the highest we’ve seen in the past year — is only available until November 13 at 9 a.m. EST, so act soon if you’re interested in either card.
Most small businesses must be able to reach a spending limit to take advantage of any of the rewards. Any of the Ink Business credit cards can be a solid addition to anyone’s wallet.
Apply here: Ink Business Unlimited
Apply here: Cash business ink
Learn more: Ink works preferred
Learn more: Premium business ink
