This offer has Expired
The current offer is: Get $750 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Both the Chase Ink Business Cash® and Chase Ink Business Unlimited® are no annual fee small business credit cards.
For the last couple of years, the bonus offer on both has been $750 given as 75,000 Ultimate Rewards points when you spent $7,500 in 3 months. It was a great deal even at that offer, but it’s gotten significantly better.
Now, you can choose either the Chase Ink Cash or Chase Ink Unlimited and get 90,000 Chase Ultimate Rewards points when you spend $6,000 in 3 months.
NOTE: If your first reaction is that you don’t qualify for a business credit card, that is very likely not true! Read this article on qualifying for a business credit card without a full-on business.
So you get 15,000 more points AND have $1,500 less to spend.
For both of these cards, the points you earn are equal to 1 cent in cash back unless you also have a Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred® card.
If you do, you can transfer these points to those cards and spend them as normal (MilesTalk expects you can easily get 1.75 cents per Ultimate Rewards point in value by using their air and hotel transfer partners like United and Hyatt). That can make this bonus worth over $1,500 easily.
A quick summary of why you might choose one card over the other:
In this article
Chase Ink Business Cash®
- The Chase Ink Business Cash earns 5x Ultimate Rewards points on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X points on Lyft rides as well as 2x on up to $25,000 annually at gas stations and restaurants. Gift cards purchased at an office supply store counts, so that means 5X Ultimate Rewards towards purchases like Amazon, Starbucks, etc.
Chase Ink Business Unlimited®
- The Chase Ink Business Unlimited earns a flat 1.5X Ultimate Rewards points on every purchase. It’s a good card to combo with other Chase Ultimate Rewards cards. When there’s no bonus category, use the Chase Ink Unlimited.
So the Ink Cash is best if you’ll use the bonus categories while the Ink Unlimited is best if you just want an easy 1.5X on everything card to pair with your other Chase Ultimate Rewards cards (for instance, it would pair great with a Chase Sapphire Preferred)
If you have any questions at all, please comment below and I’ll get back to you as soon as possible.
- How to apply for the Chase Ink Business Cash 90,000 point bonus offer
- How to apply for the Chase Ink Business Unlimited 90,000 point bonus offer
(Both links support MilesTalk. Thank you!)
Need to pause and learn more about the Chase Ultimate Rewards ecosystem and how to use them? We have a Chase Ultimate Rewards Guide.
Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.
And if this post helped you, please consider sharing it!
You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards.
New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.
having a hard time deciding which of these I should get. Currently have the CSP, one personal and one biz Southwest cards (among others like Hilton Aspire Amex. I can use the bonus categories of gas, internet and cable at least. Not sure I would use office supplies unless I bought some gift cards. Hmmm… leaning toward CIBC. Whatever choice I make will put me at 5/24. Any thoughts?
Getting an Ink won’t add to your 5/24 🙂
But you only have time for one at 90k.
If you’d get gift cards at office supplies CIC. If not, maybe CIU.
Can I earn referral bonus by referring to my business from an existing chase business card?
How often must I wait between chase card applications?
Does it matter if one chase card is for my Inc business and the other is for my personal no -win business ?
– You cannot self refer. Your SSN will be the same.
– You can only get one Chase business card per 30 days.
– Doesn’t matter