Highest-ever bonuses on 2 no-annual-fee Chase business cards
Editor's Note
Both the Ink Business Unlimited® Credit Card (see rates and fees) and the Ink Business Cash® Credit Card (see rates and fees) are strong small-business options, with flat-rate or bonus-category earning structures that can add up quickly.
And new applicants of either card can currently earn $1,000 in bonus cash back after spending $8,000 on purchases in the first four months from account opening. That's the highest welcome offer we've seen on these cards.
Keep in mind that these are business credit cards. You don't need a large company with employees to qualify — even freelancers, sole proprietors and those with side gigs may be eligible. However, you will need a legitimate business to apply.
Turn cash back into Chase points
While the Ink Business Unlimited and Ink Business Cash technically earn cash back, you can convert that cash back into Chase Ultimate Rewards points if you also hold a premium card such as a Sapphire card or the Ink Business Preferred® Credit Card (see rates and fees).
Doing so can dramatically boost value, since points can be redeemed for travel at elevated rates or transferred to airline and hotel partners.
(Note that while the Chase Ink Business Premier® Credit Card (see rates and fees) is also a cash-back card, its cash back cannot be converted into points.)
Ink Business Unlimited Credit Card
Welcome bonus: Earn $1,000 bonus cash back after spending $8,000 on purchases in the first four months from account opening.
This is the highest offer we've seen on this card.
Annual fee: $0
Earning rate: 1.5% cash back on all purchases
Who should apply: The Ink Business Unlimited is a great option for small businesses and sole proprietors who don't have spending concentrated in specific spending categories. Regardless of category, you'll get a flat 1.5% on purchases.
While it's not the best flat-rate option for business owners, it does come in handy if you have Chase Ultimate Rewards points-earning credit cards to turn that 1.5% cash back into 1.5 points per dollar (a 3.1% return, based on TPG's August 2026 valuations).
To learn more, read our full review of the Ink Business Unlimited.
Apply here: Ink Business Unlimited
Ink Business Cash Credit Card
Welcome bonus: Earn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening.
This is the best offer we've seen on this card.
Annual fee: $0
Earning rates:
- 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year)
- 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year)
- 1% cash back on all other purchases
Who should apply: The Ink Business Cash is great for anyone who spends a lot at office supply stores and on internet, cable and phone services. These are common expenses for many small businesses, so most business owners should be able to maximize rewards with this card.
To learn more, read our full review of the Ink Business Cash.
Apply here: Ink Business Cash
Ink Business Preferred Credit Card
Welcome bonus: Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
According to TPG's valuations, this welcome bonus is worth $2,050 when you take advantage of Chase's transfer partners. Other redemption options include redeeming your points through Chase Travel℠ and for cash back, but these options offer less value: up to $1,750 (depending on your booking) and $1,000, respectively.
This bonus is one of the better offers we've seen for the card, so any time it's offering at least 100,000 points (as is currently the case) is considered a good time to apply.
Annual fee: $95
Earning rates:
- 3 points per dollar on shipping purchases, internet, cable and phone services, travel, and advertising purchases with social media and search engines (on the first $150,000 spent in combined purchases across these categories each year, then 1 point per dollar)
- 1 point per dollar on all other purchases
Who should apply: Small-business owners with significant spending in the above bonus categories will be happy to earn up to 450,000 points per year on those purchases. This card also provides access to Chase's airline and hotel transfer partners, so it can provide value even without pairing it with another Chase card.
To learn more, read our full review of the Ink Business Preferred.
Apply here: Ink Business Preferred
Ink Business Premier Credit Card
Welcome bonus: Earn $1,000 in bonus cash back after spending $10,000 on purchases in the first three months from account opening.
This has been the standard bonus on this card since it launched in late 2021; we have not seen any elevated offers, so now is a good time to apply.
Annual fee: $195
Earning rates:
- 2.5% cash back on purchases of $5,000 or more
- 2% cash back on all other purchases
Who should apply: This card is ideal for small-business owners looking for a card with a flexible spending limit. That means you must pay the bill in full each month and cannot carry a balance. If you can pay your balance in full each month, you'll enjoy the unlimited earning potential on this card.
It's worth noting, however, that the rewards from this card cannot be combined with Chase Ultimate Rewards-earning cards.
To learn more, read our full review of the Ink Business Premier.
Apply here: Ink Business Premier
Are these bonuses worth it?
One of these cards could be worth considering if you have a major purchase coming up that you want to use to earn one of these welcome bonuses, or if you want to take advantage of their earning rates sooner rather than later.
While these cards won't add to your Chase 5/24 total, you need to be under that number to apply for any cards with Chase. If you've opened five or more credit cards (from any bank) in the past 24 months, you will likely be declined when applying.
Business credit cards — or cards with significant welcome bonuses — tend to have higher spending requirements to achieve the bonus. If you can meet that requirement, the welcome bonus is almost always worth the effort.
Related: The ultimate guide to credit card application restrictions
Are you eligible for a Chase Ink welcome bonus?
If you currently have or previously had a specific Ink card, you may not be eligible for that same card's welcome bonus. However, having one Ink card doesn't necessarily prevent you from earning a welcome bonus on a different Ink card.
For example, if you previously held the Ink Business Preferred, you may not be able to earn a welcome bonus on that card. But, you should still be eligible for a welcome offer on another Ink card, such as the Ink Business Unlimited or Ink Business Cash.
You'll also need to be under 5/24, meaning you've opened fewer than five new credit cards across issuers in the past 24 months. While Chase has never publicly acknowledged this rule, they do enforce it.
Finally, you must have some type of business to qualify for an Ink card, since they are business credit cards. You don't need to own a fully-fledged corporation; freelancing, gig work and sole proprietorships may qualify.
Bottom line
If you can combine your rewards with an existing Ultimate Rewards account, these bonus offers are even more valuable. While you do have to consider 5/24 when applying, it's certainly worth looking at these current offers.
Most small businesses should be able to hit the spending threshold to take advantage of any of the bonuses. One of the Ink Business cards could be a good fit depending on your spending patterns and business needs.
Apply here: Ink Business Unlimited
Apply here: Ink Business Cash
Apply here: Ink Business Preferred
Apply here: Ink Business Premier