When one great credit card bonus ends, another one begins: Chase just rolled out a brand new limited-time offer to earn up to $900 cash back (or 90,000 Chase Ultimate Rewards points) on one of its top no-annual-fee business cards – the *Ink Unlimited*.
If you're a small business owner (and trust us, you might be), this card and its massive bonus warrant a good hard look. Let me repeat: You can earn 90,000 ultra-valuable Chase Ultimate Rewards points on a no-annual-fee card.
Here's how it works: You can now earn up to $900 cash back (or 90,000 Chase points) after spending $6,000 in the first three months of card membership. That's up from the standard offer of $750 back for the same spending requirement, matching the biggest offer we've ever seen on the card. Chase hasn't indicated when this offer will end, but we know it'll only be available for a limited time.
If you can responsibly meet the card's $6,000 spending requirement, you won't find a better or cheaper way to earn a big Chase bonus right now.
While this card technically earns cash back, you can turn that into valuable Chase Ultimate Rewards points so long as you hold another Chase card that earns them, including the *chase sapphire preferred*, the *chase sapphire reserve*, or even the *chase ink preferred*. That means those 90,000 points are worth over $1,100 in travel booked through the Chase Travel℠ portal … or potentially much more using Chase's transfer partners like Hyatt, United, Air Canada Aeroplan, and more.
But remember: Whether it's a personal card or for a small business, credit cards are serious business. You should never apply for a credit card unless you can afford to pay off every dime you charge.
Read on for everything you need to know about the Ink Unlimited card.
Chase Ink Business Unlimited® Credit Card
Racking up points beyond that initial bonus is easy with the *Ink Unlimited* as you'll earn 1.5% cash back (or 1.5x Ultimate Rewards points) on every dollar you spend.
When you factor in the ability to earn 1.5% cash back on the $6,000 you'll need to spend to earn the 90,000-point welcome offer bonus, you'll end up with about 99,000 points right off the bat after meeting the minimum spending requirement. That's as big of a bonus as you'll find on a card that doesn't charge an annual fee.
While this card is marketed as a cashback card rather than a travel rewards card, the “cash back” you earn is in the form of Chase Ultimate Rewards points. If you also hold a personal or business credit card that earns Ultimate Rewards points, like the Sapphire Preferred or Ink Preferred, you can move the “points” over from your Ink Business Unlimited for even more redemption options.
Full Benefits of the Chase Ink Business Unlimited Credit Card
- Welcome Offer: *Ink Unlimited Bonus*
- Earn unlimited 1.5x points (1.5% cash back) on all business purchases
- Earn 5x points (5% cash back) on Lyft rides through March 2025.
- Primary rental car collision and damage waiver coverage
- Lost luggage insurance of up to $3,000 per person per trip
- Add employee cards at no additional cost
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Annual Fee: None
Learn more about the *chase ink unlimited*.
The Chase Ink Business Unlimited is about as good of an all-around business spending card as you’ll find – especially for having no annual fee. Earning 1.5x points (1.5% cash back) on all your business expenses is a stellar return.
Read next: Which Chase Ink card offers the best return for your business?
Keep in mind: Chase doesn't restrict you from having multiple Chase Ink cards, making opening business cards a perfect avenue for racking up a bunch of points from your business spending.
One thing to note: This card does charge foreign transaction fees. That means if you have upcoming international travel, you'll want to make sure to have a card in your wallet that won't charge those pesky foreign conversion fees.
Read our master guide to the Chase Ink Business Credit Cards!
Special Considerations with Chase Ink Business Cards
If you’ve applied for or read about Chase credit cards, you’ve likely come across the bank's dreaded 5/24 rule.
Chase won’t accept applications if you’ve opened five or more cards in the last 24 months from any bank – not just Chase. With business cards, that same rule applies … kind of.
For starters, you will need to be under the 5/24 limit to get approved for a Chase Ink Business card … but that approval won't add to your 5/24 count. So, if you've opened three or four credit cards in the last two years, it might be the perfect time to apply for one of these cards. That way, it won’t hinder any applications for other future Chase cards.
And there’s one other detail that makes these cards even more alluring. While Chase restricts earning bonuses on both the Chase Sapphire Preferred and Chase Sapphire Reserve, that’s not true of the Ink Business family. You can stack welcome bonuses from several of these cards as long as you get approved.
But Chase can be very stingy with approvals for business credit cards. Be prepared to provide business paperwork and answer a lot of questions – though that won't always be the case.
Read our master guide to credit card applications.
Bottom Line
Chase is currently offering $900 cash back (or 90,000 Chase Ultimate Rewards points) on the Chase Ink Business Unlimited Card after spending $6,000 in the first three months.
If this card makes sense for your business, you'll be hard pressed to find a better bonus than this.
Learn more about the *chase ink unlimited*.