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Chase Ink Business Unlimited® Credit Card welcome offer: $750 easy cash back as Ultimate Rewards® points

Ink Business Unlimited® Credit Card card art
Chase Ink Business Unlimited® Credit Card

The best sign-up bonus on a new Chase Ink Business Unlimited® Credit Card is currently a $750 cash back reward (earned as 75,000 Ultimate Rewards® points) when you spend $6,000 on the card within 3 months.

Chase has offered greater welcome bonuses in the past, but the current Ink Unlimited offer is still of the best cash back welcome offers and one the best Ultimate Rewards® offers available.

Here’s what you need to know about the current Ink Unlimited welcome bonus.

Best bonus: Online $750 cash back Ink Business Unlimited® Credit Card welcome bonus

Chase’s best bonus on the Ink Business Unlimited® card is a $750 cash back offer. This offer is not only the best bonus on a Chase Ink card, but is one of the best cash back welcome offers available. Here are the details:

card_name welcome bonus:

bonus_miles_full

Click here to learn more and apply.

This card occasionally offers a higher welcome offer, so you might consider waiting for a better offer to come around. The current offer is the card’s business-as-usual offer. The Ink Business Unlimited is marketed as a cash back card, but earns Ultimate Rewards®.

The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.

Ink Business Unlimited® Credit Card card art

Chase Ink Business Unlimited® at a glance:
Annual fee: $0
Rewards: 1.5% on every purchase. 5% on Lyft rides through March 2025.
Benefits: Extended warranty. Purchase protection. Primary auto rental collision damage waiver insurance when renting for business.

Other ways to get the card welcome bonus

The current online offer is the best welcome bonus that we know about on the Chase Ink Business Unlimited® Credit Card. Using the links above supports our site, but you can get this same bonus through other channels as well. Here are other ways to apply for this Chase card and get a bonus:

  • Personal referral links. You can get the same welcome offer through a personal referral link. If you use a referral link from a friend or family member, they can earn points. 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.

About the Chase Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card card art
Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card from Chase offers small business owners simple 1.5% cash back rewards on all their spending, with no caps or bonus categories to worry about. The card carries no annual fee.

The strength of the Ink Business Unlimited® card’s rewards is simplicity: You get 1.5% cash back on all of your spending. Chase markets the card’s rewards as cash back, but the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Ultimate Rewards® card and redeemed for greater value.

The card offers a limited, but useful set of perks including primary auto rental collision damage waiver insurance when renting for business, purchase protection, and extended warranty protection.

card_name welcome bonus:

bonus_miles_full

Click here to learn more and apply.

This card occasionally offers a higher welcome offer, so you might consider waiting for a better offer to come around. The current offer is the card’s business-as-usual offer. The Ink Business Unlimited is marketed as a cash back card, but earns Ultimate Rewards®.

The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.

Ink Business Unlimited® Credit Card card art

Chase Ink Business Unlimited® at a glance:
Annual fee: $0
Rewards: 1.5% on every purchase. 5% on Lyft rides through March 2025.
Benefits: Extended warranty. Purchase protection. Primary auto rental collision damage waiver insurance when renting for business.

My take on the Chase Ink Business Unlimited® welcome bonus

Earning $750 after spending $6,000 is a great welcome offer, full stop. Although the Chase Ink Business Unlimited® is marketed as a cash back card, it 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.

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 don’t think that you can’t get a small business credit card 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!

My Chase Ink Business Unlimited® Credit Card is my go-to card for ongoing day-to-day business spending when I’m not earning more with my Chase Ink Business Cash® Credit Card in business bonus categories.

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

The bonus says $750, but I thought the card earned Ultimate Rewards®.

Yes. This card earns Ultimate Rewards® points, which can be combined across all of your Ultimate Rewards-earning cards. However, the card is marketed as a cash back card, so you’ll always see $750 as the welcome bonus.

How do I get the $900 Chase Ink sign-up bonus?

The most recent $900 welcome bonus on the Chase Ink cards ended in January 2024. We will update our coverage of the Chase Ink bonuses if this offer returns in the future.

Can I get a more than one Ink card?

It is certainly possible to be approved for more than one Chase Ink credit card. You have four cards to choose from: Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card, Ink Business Preferred® Credit Card, and Ink Business Premier® Credit Card. There is no rule preventing you from holding multiple Ink cards, but at some point Chase will limit the amount of credit it is willing to extend to you.

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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