Chase has released a new welcome offer on the Ink Business Unlimited which it is advertising as its best ever offer. And this claim matches the reality. This beats the previous best offer by $100. If you ever plan to get this card, this is absolutely the best time to apply.
Ink Business Unlimited® 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 Cash now.
$1,000 (awarded as 100,000 Ultimate Rewards points) for $8,000 of spending is an incredible bonus and is the best offer ever on this card. If you cash the points you earn for cash back, you’ll be getting an effective 14% (12.5% from the bonus, plus 1.5% from the regular rewards) on your first $8,000 of spending.
I like earning Ultimate Rewards because you can always cash your points out for 1 cent each, making 10,000 points worth $100.
And 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 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 $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
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.
