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.
You can earn a $750 cash back reward when you spend $6,000 on the card within 3 months with a new Ink Business Unlimited® Credit Card .
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 best Ink Unlimited welcome bonus.
Best bonus available: Earn $750 cash back
Chase’s best bonus on the Ink Business Unlimited® Credit 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:
Learn how to apply.
Annual fee: annual_fees
Ink Business Unlimited® Credit Card sign-up bonus
bonus_miles_full
One of the best welcome bonuses available on a card with no annual fee.
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.
1.5% 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 Unlimited.
Read more about how to use Ultimate Rewards® points in our complete guide.
Other ways to get the card welcome bonus
The current online offer is the best welcome bonus that we know about on the 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.
Increased in-branch offers: None currently available
On May 30, 2024, we confirmed that there are no publicly available in-branch sign-up bonuses on the Ink Business Unlimited® Credit Card that beat the bonus offered online.
What’s the best way to use Ultimate Rewards® points?
With the Ink Business Unlimited® Credit Card , you’ll earn Ultimate Rewards® points for the welcome bonus and for your ongoing spending. Here are the best ways to use the points you earn.
- 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 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.
Learn how to apply.
Annual fee: annual_fees
Ink Business Unlimited® Credit Card sign-up bonus
bonus_miles_full
One of the best welcome bonuses available on a card with no annual fee.
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.
1.5% 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 Unlimited.
Read more about how to use Ultimate Rewards® points in our complete guide.
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 Ink Business Unlimited® Credit Card 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.
Read more about the Chase Ink Business Unlimited®
-
Chase purchase protection: Protection against damage and theft for the stuff you buy
Chase purchase protection can protect the items you buy with your Chase credit card against damage or theft for 120 days from the date of purchase. In most cases, you can get reimbursement to repair or replace your item up to $500 per…
-
Chase Ink Bonuses: The best sign-up bonuses on Chase Ink credit cards. Up to $1,500 of travel through Chase Travel℠!
July 12, 2024: We’ve updated this article to reflect the current online bonus on the Chase Ink credit cards offer some excellent options for small business owners. Within Chase’s offering, you can earn 2% (or more) cash back everywhere, get maximum rewards on…
-
The best cash back signup bonuses. Earn $500+ cash back with a new card
July 12, 2024: Chase has released a new limited-time bonus on the card. We’ve updated our list to reflect this. If you want to get a new credit card and earn the largest cash bonus possible, you’re in the right place. The welcome…
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.
