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The Ink Business Cash® Credit Card welcome bonus is now even easier to earn. Earlier this year, Chase made a change to the welcome bonus of the Ink Cash card. You’ll now earn $350 when you spend $3,000 within the first three months and an additional $400 when you spend a total of $6,000 within the first six months.
Here’s what you need to know about the Chase Ink Cash welcome bonus, a welcome bonus that makes our list of the best cash back welcome offers and is one of the best Ultimate Rewards® offers available.
Best bonus available: Earn up to $750 cash back + 10% relationship bonus
The best available Ink Business Cash® Credit Card bonus can can be found through most online channels. Here it is:
Learn how to apply.
Annual fee: annual_fees
Ink Business Cash® Credit Card sign-up bonus
bonus_miles_full
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.
Other ways to get the card with a bonus
The current Ink Business Cash® Credit Card online bonus offer is the best welcome bonus available on the card. However, you don’t have to apply online. Here are some other ways to get this card:
- Personal referral links. Most Chase cards, including Chase Ink business cards have the ability to generate referral links. If you use an Ink referral link from a friend or family member, they can earn points when you get the card. Learn more about referring a friend to Chase.
- In-branch offers. Chase occasionally offers increased sign-up bonuses in branch when you apply directly with a Chase banker. We visited a Chase branch in early May 2024 and found that there was no increased in-branch offer available.
Increased in-branch offers: None currently available
On May 30, 2024, we confirmed with a Chase banker that there are no increased in-branch sign-up bonuses on the Ink Business Cash® Credit Card. The bonuses you’ll find in a Chase bank branch will offer the same number of points and the same terms as the bonuses you’ll find online.
What’s the best way to use Ultimate Rewards® points?
With the Ink Business Cash® Credit Card welcome bonus, you’ll earn Ultimate Rewards® points. Here are the best ways to use your points.
- 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.
About the Chase Ink Business Cash®
The Ink Business Cash® Credit Card is a great choice for small business owners who spend a lot on its bonus categories, including office supply stores; internet, cable and phone services; gas stations; and restaurants.
With the Ink Cash, you’ll earn Ultimate Rewards® points, which makes the card an excellent companion to both the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Card. The Ink Unlimited will get you better rewards on purchases “everywhere else” and the Ink Preferred earns better rewards on travel and opens up additional opportunities to redeem all of your points for more value through Chase Travel or transfers to travel partners.
Learn more about the Chase Ink Business Cash in our complete guide to the Ink Cash.
My take on the Chase Ink Business Cash® welcome bonus
When welcome bonuses become easier to earn, that’s unambiguously a good thing. And Chase’s changes to one of the best Ultimate Rewards® welcome bonuses makes the Ink Business Cash® Credit Card welcome bonus even easier to earn than ever.
Chase made the bonus easier to earn by splitting the spending requirements. You earn $350 after spending $3,000 within 3 months and then another $400 after spending a total of $6,000 within 6 months. (Previously, you needed to spend the full $6,000 within 3 months to earn a $750 bonus.)
Earning $750 after spending a total of $6,000 is a great welcome offer, full stop. But what makes this bonus especially compelling is that the Ink Business Cash card earns Ultimate Rewards® points behind the scenes. That means that you can transfer your points to premium cards like the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card and use the premium redemption options available on those cards for more value.
But the welcome bonus gets better: 10% relationship bonus
As if the positive change to the welcome offer weren’t enough. Chase now includes a 10% relationship bonus to small business owners who also have a Chase Business Banking Checking account. If you have both accounts open, you can qualify to get a bonus of 10% of the points you earned from spending in the first 12 billing cycles of having the card.
This can add up to a ton of points if you’re a small business owner who spend a lot on your Ink cards. Depending on how much you spend on your Ink card, this could be considered the best-ever offer on the Chase Ink Cash card.
Yes, you can get a small business credit card!
My business (this blog, writing, and consulting) means I can get a small business credit card. But you likely qualify for a small business credit card, even if you work for someone else. Even if you sell things online or on Facebook marketplace occasionally, you probably have a business and can are eligible to get a small business credit card. A hobby that you’re trying to monetize (even a small one) can be a small business!
For my small business, the 5% I earn on the first $25,000 of combined purchases at office supply stores and on internet, cable, and phone services comes in handy.
10% relationship bonus points after 12 billing cycles
In addition to the card’s welcome bonus, Chase is offering a 10% relationship bonus to new Chase Ink Business Card holders who also have a Chase Business Banking Checking account. At the end of your 12th Chase Ink billing cycle, if you are eligible, you’ll receive an additional 10% bonus based on the cash back you earned (excluding the welcome bonus) during your first cardmember year.
How to qualify for the 10% relationship welcome bonus
Here’s what you need to do to qualify for the 10% relationship bonus:
- Open a Chase Ink Business Cash card between 3/17/2024 and 11/17/2024.
- Be an owner of an eligible Chase Business Banking Checking account.
- Your Chase Ink Business Cash card must be open and not in default.
- Your Business Banking Checking account must be open at the end of your 12th monthly Chase Ink Business Cash card billing cycle.
If you meet the eligibility requirements, you will receive a one-time bonus equal to 10% of the cash back rewards you earned during the first 12 billing cycles you had the card. This includes the total cash back you earned from spending on the card, including the cash back you earned from bonus categories like office supply stores. You won’t, however, earn a 10% bonus on the rewards you earned from the card’s welcome bonus.
Learn how to apply.
Annual fee: annual_fees
Ink Business Cash® Credit Card sign-up bonus
bonus_miles_full
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.
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
How do I get the $900 Chase Ink Business Cash® bonus?
The $900 Chase Ink Business Cash® welcome bonus was a limited-time offer that last ended in January 2024. The best currently available offer is a tiered bonus offering up to $750 cash back plus a 10% relationship bonus.
Do I have to spend $6,000 to get the Chase Ink bonus?
With the Chase Ink Business Cash® card, you will earn $350 cash back when you spend $3,000 within 3 months. You’ll earn an additional $400 when you spend a total of $6,000 within 6 months. The Chase Ink Business Unlimited® Credit Card offers a similar sign-up bonus, but you need to spend $6,000 within 3 months to get a $750 bonus with that card.
Read more about the Chase Ink Business Cash®
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Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
