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Chase Ink Bonuses: The best sign-up bonuses on Chase Ink credit cards. Up to $1,500 of travel through Chase Travel℠!

July 12, 2024: We’ve updated this article to reflect the current online bonus on the Ink Business Preferred® Credit Card

Chase Ink credit cards offer some excellent options for small business owners. Within Chase’s offering, you can earn 2% (or more) cash back everywhere, get maximum rewards on categories like office supplies and travel, and collect valuable Ultimate Rewards® points to use for aspirational travel.

All of the Chase Ink credit cards also offer lucrative welcome bonuses for new cardmembers—usually among the best welcome bonuses available. Here are the best Chase Ink bonuses for new cardmembers.

Ink Business Cash® Credit Card card art Ink Business Unlimited® Credit Card card art Ink Business Preferred® Credit Card card art Ink Business Premier® Credit Card card art

The best Chase Ink signup bonuses at a glance

Here are the best current Chase Ink credit card signup bonuses.

Ink Business Preferred® Credit Card card art

Ink Business Preferred® Credit Card: bonus_miles_full

The Ultimate Rewards® points you earn can be redeemed for 1 cent of cash back each or get 25% more value when you redeem your points for travel through Chase Travel℠.
This card has a better in-branch exclusive offer that is likely to become available online on July 3. See our coverage of the Ink Preferred sign-up bonus for details.
Annual fee: annual_fees

Ink Business Premier® Credit Card card art

Ink Business Premier® Credit Card: bonus_miles_full

If you’re looking for Ultimate Rewards® points, be aware that the Ink Business Premier’s cash back rewards are earned as cash back and cannot be transferred to other cards.
Annual fee: annual_fees

Ink Business Cash® Credit Card card art

Ink Business Cash® Credit Card: bonus_miles_full

This card is marketed as earning cash back, but it earns Ultimate Rewards® points.
Annual fee: annual_fees

Ink Business Unlimited® Credit Card card art

Ink Business Unlimited® Credit Card : bonus_miles_full

This card is marketed as earning cash back, but it earns Ultimate Rewards® points.
Annual fee: annual_fees

Other cards that earn Ultimate Rewards®

If you’re a small business owner looking for a new Chase Ink bonus, you’re probably interested in earning Ultimate Rewards®. Here are a few additional personal cards that you might want to add to your wallet.

The Chase Sapphire Preferred® Card is a personal credit card that earns bonus points on a variety of travel purchases, online grocery purchases, streaming, and dining. The Ultimate Rewards® points you earn can be combined with the points you earn from most Chase Ink cards.

Holding a Chase Sapphire Reserve® opens up benefits like a $300 travel credit, airport lounge access, best-in-class travel protections, and the most lucrative point redemptions through Chase Travel℠. With the Sapphire Reserve, you’ll get 50% more value for your points when you redeem them through Chase Travel—by far the easiest way to get the most value for your Ultimate Rewards points.

More on each of the Chase Ink cards with a signup bonus

Of course, a new cardmembers sign-up bonus isn’t the only reason to pick up a new card. Each of the Chase Ink cards offers great rewards on your small business spending. Which card is right for you will depend on your business’ spending patterns. Here’s a bit more on each card to help you decide which is best for you.

Ink Business Premier® Credit Card: The best card for large small business purchases

Ink Business Premier® Credit Card card art
Ink Business Premier® Credit Card

The Ink Business Premier® Credit Card is most rewarding for small business owners who frequently charge large ($5,000 or larger) purchases to their card. The card comes with Chase extended warranty and one of the most generous cell phone protection plans available on a card. And the card’s trip delay insurance will protect both you and your employees from additional expenses incurred from overnight travel delays.

Get this card if you are a small business owner who makes more than 8 or more purchases of $5,000 or more each year. At that point, you’ll offset the card’s annual fee and be earning one of the best rates of cash back you can get on a small business credit card.

Ink Business Premier® Credit Card card art

Learn how to apply.

Annual fee: $195

This is an affiliate link.

Ink Business Premier® Credit Card sign-up bonus

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A huge cash back bonus on one of the small business cards for cash back.

More about this card


Benefit highlights:
Purchase protection.
Extended warranty protection.
Cell phone protection.
Baggage delay insurance.
Primary auto rental collision damage waiver insurance when renting for business.

Rewards:
2.5% cash back on large purchases of $5,000 or more.
2% cash back on other business purchases.
Rewards are earned as cash back.

Learn more:
Find the best Chase small business card for you in our comparison of the Ink credit cards.

Chase Ink Business Preferred®: A great choice for small business owners who travel

Ink Business Preferred® Credit Card card art
Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers small business owners rewards on business category purchases like travel, shipping, internet services, and advertising, plus essential protections like extended warranty and primary auto rental collision damage waiver insurance when renting for work. The card carries an annual fee of $95.

The card earns three points per dollar on the first $150,000 in combined purchases in its bonus categories, which include:

  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases with social media sites and search engines
  • Travel

Purchases beyond $150,000 in these categories and all other purchases earn one point per dollar. Rewards are earned as Ultimate Rewards points, which can be transferred to one of Chase’s 15 travel transfer partners.

The Ink Business Preferred comes with a robust set of travel and insurance benefits which, while not as generous as the Chase Sapphire Preferred, do cover the essentials. The card includes primary auto rental collision damage waiver when renting for business, baggage delay protection, and trip delay reimbursement as well as purchase protection and extended warranty protection

Learn more in our review of the Chase Ink Business Preferred® card.

Ink Business Preferred® Credit Card card art

Learn how to apply.
Annual fee: annual_fees

Ink Business Preferred® Credit Card sign-up bonus

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This the largest Chase Ultimate Rewards® welcome bonus available on a single card. The card is a great choice for small business owners who travel.

More about this card


Benefit highlights:
Trip cancellation/trip interruption insurance.
Cell phone protection.
Roadside dispatch.
Purchase protection.
Auto rental collision damage waiver.
Extended warranty protection.
Transfers to travel partners.
Redeem points for 25% more value through Chase Travel℠.

Rewards:
3x on the first $150,000 spent in combined purchases each year
– Travel.
– Internet, cable and phone services.
– Shipping
– Advertising purchases made with social media sites and search engines
1x on other eligible purchases.
Rewards are earned as Chase Ultimate Rewards®.

Learn more:
Learn more about Chase Ultimate Rewards® or find the best Ultimate Rewards welcome bonuses.

Chase Ink Business Cash: Up to 5% rewards in business categories

Ink Business Cash® Credit Card card art
Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a cash back card for small business owners who want purchasing power combined with increased rewards on business purchases like office supplies, internet, cable, and phone services, gas, and restaurant purchases. The Ink Business Cash carries no annual fee.

The card’s biggest strength is its bonus cash back categories. The Ink Cash earns 5% cash back on the first $25,000 in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services. The card also earns 2% on $25,000 in combined purchases at gas stations and restaurants, plus 1% cash back on all other purchases. Although rewards are marketed as cash back, the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Chase Ultimate Rewards® card and redeemed for greater value.

The Chase Ink Business Cash® credit card also offers a handful of benefits useful to small business owners, including primary auto rental collision damage waiver when renting for business, purchase protection and extended warranty protection.

Learn more in our review of the Chase Ink Business Cash® card.

Ink Business Cash® Credit Card card art

Learn how to apply.
Annual fee: annual_fees

Ink Business Cash® Credit Card sign-up bonus

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In addition to the bonus, you can get a 10% bonus of all eligible cash back earned in your first year if you also have a Chase Business Checking account. Offer is only available for Ink Business Cash cards opened between March and November 2024.

This is the easiest Chase Ink sign-up bonus to earn.

More about this card


Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.

Rewards:
5% on Lyft rides through March 2025.
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.
2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.

Learn more:
Learn more about this card in our guide to the Ink Business Cash.
Read more about how to use Ultimate Rewards® points in our complete guide.

Chase Ink Business Unlimited®: Unlimited 1.5% cash back for small business

Ink Business Unlimited® Credit Card card art
Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card from Chase offers small business owners simple 1.5% cash back rewards on all their spending, with no caps or bonus categories to worry about. The card carries no annual fee.

The strength of the Ink Business Unlimited® card’s rewards is simplicity: You get 1.5% cash back on all of your spending. Chase markets the card’s rewards as cash back, but the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Ultimate Rewards® card and redeemed for greater value.

The card offers a limited, but useful set of perks including primary auto rental collision damage waiver insurance when renting for business, purchase protection, and extended warranty protection.

Learn more in our review of the Chase Ink Business Unlimited® card.

Ink Business Unlimited® Credit Card card art

Learn how to apply.
Annual fee: annual_fees

Ink Business Unlimited® Credit Card sign-up bonus

bonus_miles_full

One of the best welcome bonuses available on a card with no annual fee.

More about this card


Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.

Rewards:
5% on Lyft rides through March 2025.
1.5% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.

Learn more:
Learn more about this card in our guide to the Ink Business Unlimited.
Read more about how to use Ultimate Rewards® points in our complete guide.

What is the best way to use Ultimate Rewards®?

The Ink Business Cash® Credit Card, Ink Business Preferred® Credit Card, and Ink Business Unlimited® Credit Card all earn Ultimate Rewards® points, which can be used for a variety of travel and non-travel redemptions. Here’s our quick take on the best ways to use Ultimate Rewards points.

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  • Cash back. You can always use Ultimate Rewards® points for cash back redemptions. You’ll get 1 cent per point for cash back redemptions on any Ultimate Rewards credit card.
  • Options available with premium cards. If you hold a premium Ultimate Rewards card, you can a few additional options for using your points. Premium Ultimate Rewards cards include the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card. You can also use the points you earn on your no-annual-fee card for these premium redemption options if you first transfer your points to your premium card.
    • Travel through Chase Travel℠. Premium Ultimate Rewards cards offer increased value when you use your points to book travel through Chase Travel. You get 25% more value for bookings through Chase Tavel with the Sapphire Preferred or Ink Preferred. And you’ll get 50% more value for bookings made through the Sapphire Reserve card.
    • Transfers to airline and hotel partners. All of the Premium Ultimate Rewards cards offer point transfers to travel partners. Transfers to partners offer the opportunity to get outsized value for your points through luxury travel redemptions. Our favorite Ultimate Rewards® transfer partners include Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, United Mileage Plus, Virgin Atlantic Flying Club, and World of Hyatt.

The Ink Business Premier® Credit Card earns cash back rewards. The rewards you earn on this card can not be transferred to other cards for better redemptions.

How do credit card welcome bonuses work?

Credit card issuers offer welcome bonuses an incentive for new credit card customers. New cardmember bonuses are most common on premium cards that carry an annual fee. You may hear new card bonuses referred to as sign-up bonuses, welcome offers, or welcome bonuses.

Most welcome offers require a certain amount of spending within a set period to earn the bonus. Very few welcome bonuses will give you the incentive simply for applying and being approved for the card. To earn your bonus, you must spend the require amount by the bonus deadline. Some welcome bonuses offer two-part bonuses with separate incentive amounts and spending thresholds.

Usually you’ll earn points or cash back as a new cardmember welcome bonus in addition to the points you’ll earn from using your card, but pay attention to the wording of the bonus promotion—sometimes issuers will count the base points you would earn anyway in the welcome bonus amount.

A few notes on applying for Chase cards

  • 5/24 rule. Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened, especially for Ink cards. See our coverage about Chase 5/24 for more.
  • Only one Sapphire-branded card. You can only hold one Chase Sapphire-branded card at a time. This means you can have either a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, but not both.
  • You can get a welcome bonus on a Chase card, even if you’ve had the card previously. How often you can earn a welcome bonus on a Chase card varies by card family.
    • Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
    • Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
    • Marriott cards have their own special rules.
  • Chase will match an increased bonus. If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
  • In-branch offers are sometimes better. Chase sometimes has better credit card welcome offers in-branch than it will publish on its own website or through affiliate networks. Check all channels to make sure you’re getting the best bonus.
  • Chase business cards do not report to personal credit reports and do not impact your 5/24 status as long as they are current.

Frequently asked questions

Is the $900 bonus on the Ink cards still available?

The $900 cash back welcome bonuses on the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card ended in January 2024. Chase has historically run these increased limited-time Ink credit card offers about once a year.

How much are Chase Ultimate Rewards® points worth?

You can get more value for Chase Ultimate Rewards® points if you hold certain premium credit cards. At the top end, you can get 1.5 cents of value from each point when you redeem your points through Chase Travel℠ through your Chase Sapphire Reserve®. Chase points can always be redeemed for cash back at 1 cent apiece. Read our Ultimate Rewards guide for more on how to redeem points.

Read more about Chase Ink credit cards

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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