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.
When you get a new Chase Ink Business Unlimited® Credit Card, you can earn $750 in cash back after spending $6,000 on purchases on the card within 3 months. This welcome offer is one of the best cash back welcome offers and one of the best Ultimate Rewards® welcome offers.
Chase has offered greater welcome bonuses in the past, but the current Ink Cash 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 bonuses:
Ink Business Unlimited® online welcome offer: Earn $750 cash back
card_name welcome bonus:
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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.
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.
No current in-branch exclusive offer
Most of the time the welcome offer that you can get when you apply for a card at a Chase branch matches what you’ll find online. However, Chase occasionally offers better in-branch exclusive welcome offers on cards, so it’s worth occasionally checking if there is a better offer in-branch. I visited a Chase branch on April 24, 2024 and learned that there were no in-branch exclusive welcome offer on the Ink Business Unlimited®.
About the Chase 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.
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.
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.
