Chase has unveiled increased offers for three of the top business credit cards: Ink Business Unlimited® Credit Card (see rates and fees), Ink Business Cash® Credit Card (see rates and fees) and Sapphire Reserve for BusinessSM (see rates and fees).
These welcome bonuses match or exceed the biggest bonuses we've ever seen for these cards. Depending on how you redeem the rewards, these bonuses are worth at least $1,000 to $2,000, which places them among the most valuable intro offers currently available.
Let's take a look at what each of these cards offers so you can figure out if any of these deals are a good fit for you.
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No-annual-fee Ink Business cards
The Ink Business Cash and Ink Business Unlimited typically have $750 cash-back welcome bonuses. And the previous top offer for these cards was worth $900. Right now, you can earn $1,000 cash back after spending $8,000 on purchases in the first four months after account opening.
Those are incredible bonuses for credit cards with no annual fee. Although these are both cash-back cards, you earn the rewards as Chase Ultimate Rewards® points. That means, if you combine your points with other Chase cards that allow point transfers, you transfer the cash back you earn with these cards to any Chase travel partner.
Both cards also feature a 0% intro APR on purchases for the first 12 months from account opening (then a variable APR of 16.74% to 24.74% applies), making either a good option for financing large purchases or investing in your business.
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Rewards
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 (then 1%); 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%); 1% cash back on all other purchases
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
The main difference between these cards is how they earn cash back on purchases. The Ink Business Unlimited earns at least 1.5% back on all purchases, which makes it a good option for spending that falls outside of typical bonus categories.
The Ink Business Cash is great for office supply stores, internet, cable and phone services because it earns 5% cash back on the first $25,000 in combined purchases in those categories each account anniversary year (then 1% back). It also earns 2% cash back on the first $25,000 spent at restaurants and gas purchases each account anniversary year (then 1% back).
If you review your typical business expenditures, you should have a clear picture of which card will be more rewarding for you.
Chase Sapphire Reserve for Business
The Sapphire Reserve for Business is a luxury business travel credit card, and its current welcome bonus is 50,000 points larger than its standard bonus. You can earn 200,000 bonus points after you spend $30,000 on purchases in your first six months from account opening.
This is a hefty spending requirement, but it's actually more reasonable than it first appears because you have six months to meet it. That averages out to $5,000 in spending per month, which is a lower monthly average than what was required with the previous (and smaller) intro bonus.
The biggest question to ask yourself with this card: Is it worth the $795 annual fee? It has over $2,000 in annual credits and other benefits. Its annual $300 travel credit is easy to use. The first $300 in eligible travel purchases is automatically reimbursed through statement credits with no activation required. But its other perks aren't as straightforward, including benefits for Lyft, DoorDash, The Edit℠ hotel stays, ZipRecruiter, Google Workspace and more.
The Chase Sapphire Reserve for Business brings over $3,000 in value to business owners who value travel and premium experiences
- $400 in annual statement credits on purchases made directly with ZipRecruiter.
- $300 annual travel credit each anniversary year
- $120 Global Entry, TSA Precheck or Nexus fee credit every four years
- Access to 1,300+ airport lounges worldwide with your complimentary Priority PassTM Select membership, including Sapphire Lounge by The Club locations with two complimentary guests
- Can transfer rewards to all of Chase’s 14 travel partners
- IHG One Rewards Platinum Elite status through 12/31/27
- Comprehensive suite of travel and purchase protections
- High annual fee
- Significant value tied to statement credits
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase TravelSM, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase TravelSM for airline tickets, hotels, including The EditSM, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
The Sapphire Reserve for Business enables full 1:1 transfers to all of Chase's travel partners. Outside of specific travel and business purchases, it's not as rewarding for spending as the Ink Business Unlimited and Ink Business Cash. It earns 3X points on social media and search engine advertising, 4X on flights and hotels booked directly, 8X on Chase TravelSM purchases and 5X on Lyft rides (through Sept. 30, 2027).
Which offer makes sense for you?
If you're interested in any of these credit cards, now is the right time to apply — the welcome offers have never been bigger. Picking the right card largely comes down to how much you plan to use travel rewards and other travel perks.
For many small or growing businesses and side hustles, the Ink Business Unlimited and Ink Business Cash are better fits. Neither charges an annual fee, you get a generous intro APR and the welcome offers are easier to earn.
Down the road, if you decide you want transferable travel rewards, you can pair either of these cards with a Chase travel card like the Chase Sapphire Preferred® Card (see rates and fees), Chase Sapphire Reserve® (see rates and fees) or Ink Business Preferred® Credit Card (see rates and fees).
The Ink Business Preferred® Credit Card is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as World of Hyatt, Southwest Rapid Rewards and many more
- Valuable welcome bonus worth $1,125 in travel when redeemed through Chase Travel
- Strong travel and shopping protections
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase TravelSM. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
The Sapphire Reserve for Business is aimed at travelers who want luxury benefits, like airport lounge access and top-tier travel protections. It offers more than enough benefits to offset its annual cost, but many of the credits are earned in smaller monthly or semiannual increments. It's also important to think carefully about how likely you are to make the most of certain features. Are ZipRecruiter, Google Workspace and DoorDash already regular purchases for you? If not, you may not find much value in those perks.
How to qualify for these offers
These are small business cards, but qualifying may not be as difficult as it seems. You don't need a full-time business, a formal legal structure (like an LLC) or even an Employer Identification Number (EIN) to apply. If you have a side hustle or freelance gig, you can apply as a sole proprietor and use your Social Security number as your business tax ID.
These three business cards all require a good to excellent credit score, so you'll typically need a FICO Score of at least 670 to qualify. In addition, you may not be eligible for the welcome bonus if you've had the card before.
The terms for the Ink Business Unlimited and Ink Business Cash state:
The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee.
The Sapphire Reserve for Business's welcome offer "...may not be available to you if you have ever had this card."
Also, these cards are typically subject to the unofficial Chase 5/24 rule. This guideline dramatically decreases your approval chances if you've opened five or more cards from any bank in the previous 24 months. One thing to note is that while these cards are subject to the 5/24 rule, they won't add to your 5/24 count; business accounts won't appear on your personal credit report.
FAQs
Is the $900 bonus available for the Chase Ink Business Unlimited credit card?
While the $900 bonus is no longer available for this card, you can receive an even higher $1,000 in bonus cash back after spending $8,000 on purchases in the first four months from account opening.
What credit score do you need for a Chase business card?
Most Chase business credit cards require a good to excellent credit score, of a FICO Score of at least 670.
Is the Chase Ink Business Unlimited hard to get?
The Ink Business Unlimited is relatively hard to get, as it requires at least a good credit score.
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