Editor’s note: This is a recurring post, regularly updated with new information and offers.
Chase offers four cards in the Ink Business family.
The most valuable one to points and miles enthusiasts tends to be the Ink Business Preferred Credit Card. Previously, it has offered 100,000 bonus points for a hefty $15,000 spending requirement. However, now you can unlock the same amount of points with a lower spending requirement of $8,000.
The other three cards are cash-back products. The Ink Business Cash Credit Card and Ink Business Unlimited Credit Card are back offering their best-ever $900 bonus cash back after spending $6,000 in the first three months after account opening. But the cash-back earned on these two cards can be converted into 90,000 Ultimate Rewards points if you have a Chase Ultimate Rewards-earning credit card — such as the Chase Sapphire Reserve, Chase Sapphire Preferred Card or the Ink Business Preferred.
Finally, the Ink Business Premier Credit Card is a cash-back card, and the rewards earned on this card cannot be converted into Chase Ultimate Rewards points.
Keep in mind that these are business credit cards. While you don’t need to have an established office with multiple employees to apply (meaning freelancers and sole proprietors are also eligible), you will need to have a business of some sort to apply for these cards.
Related: Who qualifies for a business credit card?
Let’s run through an overview of each card to see which would be best for your small business.
Ink Business Cash Credit Card
Sign-up bonus: $900 bonus cash back after you spend $6,000 in the first three months after account opening. This matches the best-ever offer we’ve seen on this card.
Annual fee: $0.
Earning rates: 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services, 2% cash back on the first $25,000 you make in combined purchases at gas stations and restaurants each account anniversary year and 1% back on all other purchases.
Who should apply: The Ink Business Cash is great for anyone who spends significantly at office supply stores and on internet, cable and phone services. Office supply stores are a particularly beneficial bonus category because you can often find a wide array of gift cards available for purchase. This means you could earn 5% back on gift cards for merchants that don’t typically earn bonus rewards (Amazon, for example, if you don’t have a card that earns specifically on those purchases). By purchasing gift cards for these merchants at office supply stores and then using those gift cards for your purchases, you could earn 5% back (or 5 points per dollar) on these purchases by simply adding a step to your shopping pattern.
Check out the full card review for the Ink Business Cash.
Apply now: Ink Business Cash with a $900 bonus (or 90,000 bonus points) after $6,000 in spending in the first three months of account opening.
Ink Business Unlimited Credit Card
Sign-up bonus: $900 bonus cash back after you spend $6,000 in the first three months after account opening. This matches the best-ever offer we’ve seen on this card.
Annual fee: $0.
Earning rate: 1.5% cash back on all purchases.
Who should apply: The Ink Business Unlimited is a great option for small businesses and sole proprietors who don’t have spending concentrated in specific spending categories. No matter the category, you’ll get a flat 1.5% across purchases. While it’s not the most lucrative flat-rate option for business owners, it does particularly come in handy if you have Chase Ultimate Rewards credit cards to turn that 1.5% cash back into 1.5 points per dollar (a 3% return, based on TPG’s valuations).
Check out the full card review for the Ink Business Unlimited.
Apply now: Ink Business Unlimited with a $900 bonus (or 90,000 bonus points) after $6,000 in spending in the first three months of account opening.
Ink Business Preferred Credit Card
Sign-up bonus: 100,000 bonus points after you spend $8,000 on purchases in the first three months after account opening.
Annual fee: $95.
Earning rates: Earn 3 points per dollar on the first $150,000 spent in combined purchases across these categories each year: shipping purchases, internet services, phone services, cable services, advertising purchases with social media and search engines and on travel. Earn 1 point per dollar on all other purchases.
Who should apply: Small-business owners with significant spending in the bonus categories will be happy to earn up to 450,000 points per year on purchases that cover travel, shipping or telecommunications. Another perk of this card is that it provides direct access to Chase’s hotel and airline transfer partners without needing another credit card to open the points transfer option.
Check out the full card review for the Ink Business Preferred.
Apply now: Ink Business Preferred with a 100,000-point bonus after $8,000 in spending in the first three months of account opening.
Ink Business Premier Credit Card
Sign-up bonus: $1,000 bonus cash back after you spend $10,000 in the first three months after account opening.
Annual fee: $195.
Earning rates: Earn 2.5% cash back on purchases of $5,000 or more and 2% back on all other purchases.
Who should apply: This card is ideal for small-business owners who spend significantly and are looking for a card with a flexible spending limit (there’s no fixed credit limit on this card, but you must pay the bill in full each month and cannot carry a balance). If that matches your company, you’ll enjoy the unlimited earning potential on this card, plus the fact it provides enhanced cash-back rates on large purchases.
It’s worth pointing out, however, that the rewards from this card cannot be combined with other Chase points.
Check out the full card review for the Ink Business Premier.
Apply now: Ink Business Premier with a $1,000 cash bonus after $10,000 in spending in the first three months of account opening.
Are these bonuses worth it?
These are the best bonuses we’ve seen on the Ink Unlimited and Ink Cash cards. It’s worth getting one of these cards if you have a major purchase coming up that you want to use to earn one of these sign-up bonuses or take advantage of their earning rates sooner rather than later.
While these cards won’t add to your 5/24 total, you do need to be under 5/24 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 will likely be declined when applying.
Related: The ultimate guide to credit card application restrictions
There are other great offers from Chase available right now, as well. There’s the lower spending requirement for the 100,000-point bonus on the Ink Business Preferred, plus the Ink Business Premier has a sign-up bonus of $1,000 cash back.
For those considering sign-up bonuses and who are under 5/24, it’s also worth mentioning a personal credit card. The Sapphire Reserve has a sign-up bonus of 60,000 bonus points after spending $4,000 on purchases within the first three months from account opening.
Business credit cards — or cards with significant sign-up bonuses — tend to have higher spending requirements to achieve the bonus. If your business or side hustle can meet these spending requirements, now is a great time to apply for these huge bonuses available on Chase business cards.
Bottom line
$900 in cash-back rewards on the Ink Business Unlimited and Cash cards are the best-ever bonuses offered on these products. And if you can combine rewards with an existing Ultimate Rewards account, these bonus offers are even more valuable — potentially $1,845.
While you do have to consider 5/24 when applying, it’s certainly worth looking at these offers on the Ink Business Unlimited and Ink Business Cash cards. Most small businesses should be able to hit the spending threshold to take advantage of the bonus, and either one of these no-annual-fee Ink business credit cards could be a solid addition to your wallet.
However, if you’re looking for an even bigger bonuses, consider the 100,000-point offer on the Ink Business Preferred or the $1,000 cash bonus on the Ink Business Premier.
For more details on these cards, see our guide to Chase Ink Business credit cards.
