Alongside the best-ever offer on the Chase Ink Unlimited, Chase has released a limited-time welcome offer on the Ink Business Cash which is also its best-ever offer on this card. And this claim matches the reality. If you ever plan to get this card, this is absolutely the best time to apply.
Ink Business Cash® Credit Card welcome offer
Welcome offer: Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
This bonus is marketed as cash back, but awarded as Ultimate Rewards points.
Annual fee: $0
Quick take: Get this card now
Aaron Hurd
Executive Editor of Cards and Points
Here’s the bottom-line up-front: If you’re eligible for this bonus, you should apply for either this card or the Ink Unlimited now.
$1,000 (awarded as 100,000 Ultimate Rewards points) for $8,000 of spending is an incredible bonus and is the best sign-up bonus ever offered on this card. If you redeem the points you earn for cash back, you’ll be getting at least an effective 13.5% (12.5% from the bonus, plus 1% from the regular rewards) on your first $8,000 of spending.
One of the advantages of earning Ultimate Rewards is that you can always cash your points out for 1 cent each, making 10,000 points worth $100.
But when you pair this card with a premium Chase Ultimate Rewards card like the Sapphire Preferred, Sapphire Reserve, or Ink Preferred, you can combine your points and transfer them to partners for high-value travel redemptions.
Chase’s rewards program offers transfer partners that are both easy-to-use and offer opportunities to get excellent value for your points, making it a good entry point into the world of transferable rewards.
Personally, I’ve had multiple Ink Cash and Ink Unlimited cards for a long time, so I’m no longer for sign-up bonuses on these cards, but if I didn’t already have these cards already, I’d absolutely be getting one now.
Are you eligible to earn the sign-up bonus?
Chase recently added a restriction preventing you from earning a bonus if you’ve ever had a Chase small business card without an annual fee before. If you’ve ever had this card or the Chase Ink Business Unlimited®, you’re probably not eligible for this bonus.
The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee. We may also consider factors pertinent to your business in determining your bonus eligibility.
Chase Ink Business Cash® offer terms
There are reports over on Reddit that Chase is popping up a notification to people that it deems ineligible for the bonus. While I’m not a fan of restricting bonus eligibility across card categories, I do think that this is the most consumer-friendly way of going about it.
Other offers that might be available
It is our policy to link to the best public offer we know about, but there are sometimes better offers on this card that are in-branch exclusives or targeted offers. We don’t know of any better offers on this card.
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.
- 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
Welcome offer: Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 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.
