June 27, 2025: Chase is currently running its standard bonus on the Chase Ink Business Cash®. This is the best bonus we’ve seen on this card for the last year and a half.
Ink Business Cash® Credit Card Welcome Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
This bonus is marketed as cash back, but awarded as Ultimate Rewards® points.
Annual fee: $0
Our take: What we think of the welcome bonus
Make no mistake, this is one of the best welcome bonuses available on a no-annual-fee card. Although this bonus is a little bit less attractive when considering the changes to the greater Ultimate Rewards® ecosystem, if you were planning on pairing this card with a premium Chase Ultimate Rewards card to redeem your points for travel through Chase Travel.
I particularly like how Chase went about making this a tiered bonus a while back. When card issuers launch tiered bonuses, they typically make the second tier really difficult to get—it’s usually more of an incentive to continue using the card for spending, rather than a true welcome offer.
But Chase kept the requirements to earn the large bonus the same and just made a lower tier, awarding people who didn’t spend enough to earn the full bonus a partial bonus. Nothing was taken away, and some people who couldn’t get this bonus before now can get at least part of the bonus. That’s all good.
It’s been at least a year and a half since we’ve seen Chase offer a larger welcome bonus on this card, so if you’re thinking of picking up this card, there’s no real reason to wait.
Other offers that might be available
We want you to get the best offer, so here are some of the other offers that might be available on this card.
- In-branch offers: Chase occasionally has in-branch exclusive offers on some of its cards. When Chase launched the tiered version of the bonus on this card, it was launched in-branch before it was launched online. We don’t know of any current in-branch offers.
A few things to know before applying:
- You likely can get a small business card. You probably have a business and are eligible to get a small business credit card. Even small businesses like selling things on eBay or hobbies you are trying to monetize count.
- Bonus eligibility. You should be eligible to earn this bonus if Chase approves you for the card. When we last read the terms, we saw no restrictions on earning the bonus if you’ve had the card before. Be sure to check the offer terms before applying.
- Chase Ink cards don’t affect 5/24. Historically, Chase wouldn’t approve you for a new card if you had 5 or more new accounts on your personal credit report within the last 24 months. Chase Ink cards don’t report to your personal credit report (as long as you pay on time) and therefore won’t impact your 5/24 status.
At a glance: About the Chase Ink Business Cash®
The Ink Business Cash® Credit Card offers up to 5% cash back rewards in useful business categories like office supply stores, and internet, cable, and phone services.
Ink Business Cash® Credit Card Welcome Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
This bonus is marketed as cash back, but awarded as Ultimate Rewards® points.
Annual fee: $0
Rewards
- 5% at office supply stores and on internet, cable, and phone services
on the first $25,000 of combined purchases each account anniversary year. - 2% at gas stations and restaurants
on the first $25,000 of combined purchases each account anniversary year. - 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Rates and Fees
- Annual fee: $0
- Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.
