Biggest Ever: 90,000 Chase Point Offers For No Annual Fee Ink Cards

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Chase’s no annual fee Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card now have their best-ever initial bonus offer. Both cards are offering $900 after spending $6,000 on purchases within 3 months of account opening.

These are stellar cards. Chase points are immensely valuable. And seeing such big offers is highly unusual on no annual fee cards. This is something to jump on if you are able.

  • The Ink Business Unlimited® Credit Card earns unlimited 1.5% back on purchases.

  • The Ink Business Cash® Credit Card earns 5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also earns 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

I have the Ink Business Cash® Credit Card and have put my phone, internet, and TV bills on it over the years and have also used it for office supply store purchases and for gas. It’s part of my broader wallet that allows me never to earn just one point per dollar on spending.

These Are More Valuable Than Mere Cash Back Cards

Don’t think of these offers as $900. Think of them as 90,000 Chase Ultimate Rewards points.

If you have an Ultimate Rewards card whose points transfer to airline miles and hotel points (like Chase Sapphire Reserve® then you can combine the points from your Ink business card into your Sapphire Reserve account. Then you’re able to transfer the points to any of Chase’s airline and hotel transfer partners, or redeem them at elevated value through the Chase travel portal.

Current transfer partners include:

  • Airlines: United MileagePlus, British Airways Executive Club, Air France KLM Flying Blue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, Virgin Atlantic Flying Club, Iberia Plus, Aer Lingus AerClub, Emirates Skywards, Air Canada Aeroplan
  • Hotels: World of Hyatt, Marriott Bonvoy, IHG Rewards Club

The same idea works if you have a Chase Sapphire Preferred® Card or an Ink Business Preferred® Credit Card (which has an offer to earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening).

Getting Approved

It’s possible to be approved for more than one Ink card, though I wouldn’t apply for Chase cards more than once every 30 days. In order to be approved for these cards you need to be under ‘5/24’ meaning you need to have had fewer than 5 new cards in the past 24 months. However they should not report on your personal credit, and as a result shouldn’t add to your 5/24 total.

If I were under 5/24 I’d apply for the Ink Business Unlimited® Credit Card in a heart beat. I currently have the Ink Business Cash® Credit Card.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Can you remind me. What’s the deal on churning these cards? You can close and re-open every 24 months and get a new bonus? I’ve not done that but considering it with these new bonuses.

  2. @Gary

    I recently (2 months ago) signed up for the Business Unlimited but at the $7,500 min spend for $750 offer. Do you think I could get them to match the current offer? Whom should I call and suggestions of how to frame it? Thanks!

  3. I went to the site clicking on your links and it’s only showing $900 and not 90,000 points.
    Has that ended?

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