I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.
Chase’s no annual fee Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card are back with 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. I have both cards myself.
- 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 amazing offer now to earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening).
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. You often need to be under ‘5/24’ to be approved meaning you need to have had fewer than 5 new cards in the past 24 months. However sometimes with these elevated offers that is not the case! (We’ll know soon enough from reports by people that apply.) In any case they should not report on your personal credit, and as a result shouldn’t add to your 5/24 total.