Chase Ink Cash and Ink Business Unlimited limited-time 75k $750 bonus
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The Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card are both excellent small-business credit cards that offer generous rewards and solid benefits without an annual fee. If you’re a small-business owner, there’s a new increased bonus on these cards to consider — and it’s worth a full $250 more than the standard offer.
Ink Business Cash and Ink Business Unlimited $750 (75k) bonus
For a limited time, the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card are offering $750 bonus cash back (75,000 Chase Ultimate Rewards points) after you spend $7,500 on purchases in the first three months of account opening. That’s the highest welcome bonus ever offered on either version.
Along with identical bonuses, the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card come with perks like purchase protection and rental car insurance, but the way each earns rewards is very different. You’ll want to compare the Ink Cash and Ink Unlimited earning rates to your spending patterns before you decide on which is a better fit for your small business.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
The Chase Ink Business Cash card has 5x and 2x bonus categories
Regular APR
13.24%–19.24% variable APR
Featured Reward
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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 card purchases with no limit to the amount you can earn
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
Pros
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
Cons
- Annual cap on bonus categories
Small businesses that spend a lot on expenses like office supplies, internet, or gas can get a big earnings boost from the Ink Business Cash® Credit Card. You’ll earn:
- 5% cash back (5 Chase Ultimate Rewards points per dollar) 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 (2 Chase Ultimate Rewards points per dollar) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back (1 Chase Ultimate Rewards point per dollar) on all other purchases with no cap
If you maximize the 5% and 2% categories, you’ll earn a whopping $1,750 cash back (175,000 Chase Ultimate Rewards points) each account anniversary year, on top of what you’d get for all other purchases. Combined with the increased welcome bonus, you could easily pocket over $2,500 in cash back (250,000 points) in the first year of having the card.
That said, if these bonus categories aren’t relevant to your business or you prefer the simplicity of a flat-rate card, the Ink Business Unlimited® Credit Card is likely a better choice.
Earn 1.5x everywhere with the Chase Ink Business Unlimited card
Regular APR
13.24%–19.24% variable APR
Credit Score
Good to Excellent
Featured Reward
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
Pros
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
Cons
- You can earn more cash back on some purchases with a card that has bonus categories
Cards with a straightforward earning rate and no bonus categories to track, like the Ink Business Unlimited℠ Credit Card, are a godsend for time-strapped business owners. This card earns a flat 1.5% cash back (1.5 Chase Ultimate Rewards points per dollar) on every purchase, and there’s no limit to what you can earn.
It’s particularly appealing to business owners with expenses that don’t fit into typical credit card bonus categories, especially if they spend a lot on inventory or raw materials. Think contractors, store owners, or craftspeople — all are a good fit for the Ink Business Unlimited℠ Credit Card.
This is also a smart pick if you already have a rewards credit card with bonus categories that match your business’ spending. By pairing your existing card with the Ink Business Unlimited℠ Credit Card, you’ll be guaranteed above-average returns on all your purchases.
Redeem Chase points for more than just cash back
The improved Chase Ink offers are already an incredible deal, especially considering neither card charges an annual fee. And because they actually earn Chase Ultimate Rewards points, these cards offer more redemption options than traditional cash-back business cards.
Points from the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card are worth 1 cent each when you redeem them for cash back, gift cards, or travel booked through the Ultimate Rewards travel portal. You also have the option of shopping with points at Amazon (a poor value) or Apple.
But you can squeeze even more from your points if you also have the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card in your wallet. By moving the Chase Ultimate Rewards points you earn from the Ink Cash or Ink Unlimited to one of these cards, you can unlock more redemption options — including transferring points to Chase’s airline and hotel partners and getting bonus value when you redeem through the Chase travel portal or Pay Yourself Back.
And if you really want to earn the most points, you can use the Ink Business Unlimited® Credit Card or Ink Business Cash® Credit Card to customize your own Chase trifecta. For example, if you already have the Chase Sapphire Reserve (3x on travel and dining) and Chase Freedom Flex℠ (5x on travel purchased through Chase and in rotating bonus categories each quarter on up to $1,500 combined when you activate, and 3x at restaurants and drugstores), you might consider adding the Ink Business Unlimited® Credit Card to earn 1.5x rewards everywhere else.
The Chase 5/24 rule applies to Ink Business cards
Before you apply for a credit card, it’s important to familiarize yourself with any application rules that could affect your chances of approval. For example, some people might not consider the Chase Ink offers because they don’t run a business full time — without realizing that even part-time businesses or freelancers may qualify for a small-business credit card.
However, most Chase cards, including the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card, fall under what’s commonly known as the 5/24 rule. Simply put, if you’ve opened five or more credit cards (with the exception of certain business cards) from any bank in the last 24 months, your application will be denied.
The good news is these cards won’t add to your 5/24 total — meaning Chase won’t count them toward your five-card limit in the past 24 months. That’s why if you’re just starting with credit cards, it’s a good strategy to apply for Chase cards (particularly Chase business cards) first.
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Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.
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Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.
