The welcome offer on the Ink Business Unlimited® is back to its regular offer, but Chase recently added some restrictions to the bonus eligibility, which we also cover below.
Ink Business Unlimited® Credit Card Welcome Offer
Welcome Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
This link is a referral link. Someone from our team or community may earn a referral bonus if you are approved through this link
Annual Fee: $0
My take: Good bonus, but new restrictions might change your strategy
Chase recently added some restrictions to this offer that should change your strategy when it comes to signing up for Chase business cards. According to Chase’s new terms, you’ll get one bonus, ever on a no-annual-fee Chase business card.
If you’ve never had a Chase small business card before, my recommendation would be to wait for an increased offer on the Ink Cash card and then apply for that card. Why not go for the bonus on the Chase Ink Unlimited? Well, simply, the Chase Freedom Unlimited also offers a bonus, plus I think that card offers a bit more utility, thanks to its additional bonus categories.
Assuming that you’re looking for both 1.5% everywhere and 5% in bonus categories within the Chase Ultimate Rewards ecosystem, you’ll want two cards. Previously, I recommended both business cards, given the strength of their bonuses. But now, I see little reason to get the Ink Unlimited.
Because of Chase’s new restrictions, I’m not adding this bonus to my list of my favorite sign-up bonuses. If you can only get one bonus on a no-annual-fee Chase business card ever, then it probably makes sense to wait around for an increased sign-up bonus on this card.
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 Cash®, 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 Unlimited® 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.
- Referral offers: Historically, when Chase has had increased limited-time bonuses on this card, those stuck around for a few days through referral links after they were pulled publicly. Keep this in mind if you just missed a larger bonus on this card in the future.
A few things to know 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.
- 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.
At a glance: About the Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card offers 1.5% cash back rewards on all purchases for small business owners.
Ink Business Unlimited® Credit Card Welcome Offer
Welcome Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
This link is a referral link. Someone from our team or community may earn a referral bonus if you are approved through this link
Annual Fee: $0
Rewards
1.5% rewards on every purchase made for your business.
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
- Extended warranty protection.
- Purchase protection.
Travel insurance benefits
- Auto rental coverage. (Primary when renting for business.)
- Baggage delay insurance.
- Lost luggage reimbursement.
- Roadside assistance. (Pay per use.)
- Travel accident insurance.
- Travel and emergency assistance.
Rates and Fees
- Annual fee: $0
- Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.
