Two Chase Ink Business cards are featuring best-ever welcome bonuses, but the offers are ending soon.
The Ink Business Unlimited® Credit Card (see rates and fees) and Ink Business Cash® Credit Card (see rates and fees) bonuses are worth $1,000, but they could be worth even more if you own other Chase cards.
One card offers flat-rate savings on all purchases made for your business, while the other offers higher rewards on select business categories. If you're looking for a new card to help support your business, these Chase Ink cards should be on your radar.
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
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
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 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
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
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
Chase Ink Business bonuses
Senior reporter Jason Stauffer can answer your questions about how to make the most of your credit cards in his weekly Points Pro column. Submit yours here.
How good are these bonuses?
Both the Ink Business Cash and Ink Business Unlimited are offering best-ever welcome bonuses: Earn $1,000 cash back after spending $8,000 in the first four months of account opening. The cards typically offer a $750 bonus (albeit with lower $6,000 spending requirements), so this new bonus is 33% more valuable.
While these are business credit cards, that doesn’t mean you’re ineligible if you don’t own a million-dollar business. Freelancing, being a sole proprietor or even just having a side gig can all qualify you for a business card. While this best-ever offer is ending soon, make sure you’re comfortable with the $8,000 spending limit before you apply.
What can you do with these Chase points?
Potentially the best aspect of this welcome bonus is that it technically comes in the form of 100,000 Chase Ultimate Rewards® points. This rewards currency is worth roughly 1 cent per point, but your points can be worth more when paired with a premium Chase card that allows airline and hotel transfers, like the Chase Sapphire Preferred® Card (see rates and fees).
If you find the right partner deal, your points value could be three or four times higher. Plus, booking with points often means more flexibility with your ticket options. Many programs allow cancellation and will redeposit your points without a fee, but it can vary, so double-check yours specifically.
Since Chase uses dynamic pricing with its award flights, prices constantly change based on demand. At the time of writing, you can book a round-trip flight from New York City to London for just 73,000 points, still leaving you with 25% of your rewards left. If you’d prefer a luxury stay, you can book three nights at the Hôtel du Louvre in Paris, France, for 35,000 points per night. The hotel is a category 8 Hyatt property, their most premium level, with rooms averaging over $550 per night.
Explore these business registration services
Which card is a better fit for me?
The Ink Business Unlimited and Business Cash are solid options for small- or medium-sized businesses looking to expand.
The biggest factor in deciding between cards is the way they earn rewards. The Business Unlimited earns a flat 1.5% cash back on all purchases. The Business Cash offers more variety with 5% cash back on business essentials (office supply stores and on internet, cable and phone services) and 2% back on dining and gas, each up to $25,000 in spending each account anniversary year.
If your business’ spending tends to be a little inconsistent, then the flat-rate Unlimited card might be the better fit — plus you don’t have to worry about hitting any reward caps. If your company spends heavily on office supply stores and on internet and other services, the Business Cash could get you more value with its higher rewards rate.
The CNBC Select Recommends newsletter delivers practical money tips each week along with expert-picked financial product recommendations. Sign up here.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and X to stay up to date.
