Two No Annual Fee Chase Cards Have 75,000 Point Offers

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Both of Chase’s no annual fee small business cards, Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card, have increased their initial bonus offers by 50% and are now offering biggest-ever bonuses.

  • The Ink Business Unlimited® Credit Card has an initial bonus offer to earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

    Your ongoing spend will earn unlimited 1.5% cash back on every purchase made for your business.

  • The Ink Business Cash® Credit Card has an offer to earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

    Ongoing earn is rich especially 5x categories: 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; earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Think of both of these offers as 75,000 points, which – if you have an Ultimate Rewards card whose points transfer to airline miles and hotel points – can be combined into one of Chase’s annual fee Ultimate Rewards products, and then transferred to a variety of loyalty program partners.

I have been sitting here wracking my brain trying to think of a time there has ever been a bigger initial card bonus offer on a no annual fee card and I am pretty certain there never has been, ever.

Now, I have a Chase Freedom Unlimited® card which is the personal card equivalent of the Ink Business Unlimited® Credit Card. It has no annual fee and earns 1.5x on everything. I product changed to it, I did not receive an initial bonus for mine.

I do have the Ink Business Cash® Credit Card. A couple of years ago I product changed my old Ink Plus card to it. I’ve found this to be a key part of my mileage-earning for the 5 points per dollar at office supply stores as well as on phone, internet, and cable services (on the first $25,000 spent combined in these categories each cardmember year).

Points from no annual fee Chase cards don’t transfer to airline miles, they’re worth cash at one cent per point. So they advertise 5% back and 2% back categories. However you can transfer the points to a Chase card whose points transfer to miles, and thus increase their value.

You absolutely want one Chase card whose points transfer to miles like Ink Business Preferred® Credit Card or Sapphire Preferred or Reserve.

My next step, after considering adding an Ink Business Cash® Credit Card with this phenomenal offer, is to change my legacy Freedom card to the Flex.

Ultimately in addition to being thrilled to the moon at these big offers, I think I’m most excited to see Chase continuing to be aggressive with new cardmember acquisition – and not just with their personal cards, but with small business cards too. Bear in mind that 5/24 applies to Chase rewards cards of course, so you should consider these if you’ve had fewer than 5 new cards in the last 24 months.

Ink Business Cash® Credit Card
Ink Business Unlimited® 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. Why not just keep the legacy vanilla Freedom (invaluable in that you can’t get it anymore) and apply for the Freedom Flex so that you have two cards with 5X rotating quarterly categories? Unless you’re over 5/24.

    I mean if you already have the Freedom Unlimited and the vanilla Freedom, why would you want to change the latter to the Flex? For the meager sign-up bonus? Maybe for grocery 5X as part of the SUB?

  2. New? These have been standard offers for these cards for at least 9 months. Yes they are great offers, but they are definitely not new.

  3. @LK…all you need to have is good credit and no delinquincies on your credit report. Sole proprietorship is not an issue.

  4. @DNN Not true, I have high credit score, high enough salary, decent business income, no deliquincies, and the rejection letter from Chase specifically said ‘business structure’. Have had Ink Bold for years. This was a waste of a hard inquiry.

  5. These offers have been around for many months. Gary isn’t tied to the truth and the capital one background graphics on the main page really makes it clear this is just a click farm for referrals.

  6. Hilton was offering 80k points and a free night on their no annual fee AMEX card. Depending on your valuation of a free night that’s better than $750 cash and didn’t require you to hold an annual fee card OR apply for your “business” (read: for a lot of people churning this business is reselling gift cards they buy using Chase Ink cards at office supply stores).

  7. Thanks for the heads-up! I’d been in 5/24 purgatory until just now. I was only too happy to use your referral link to snag an Ink Business Unlimited. I look forward to 5% on my phone bill and transferring my points to Sapphire Reserve for an extra oomph.

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