This offer has been available in-branch only for a couple of weeks, but now it’s open to everyone online and wow is it a great deal.
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 businesses.
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.
So you get 15,000 more points AND have $1,500 less to spend.
Notably, if you have applied for this offer in the last month or so, Chase is matching the points part of the offer. So, you’d still have to spend the $7,500 you agreed to, but they’ll kick in the 15,000 bonus points. That’s not an official statement from Chase, but it is what many, many readers and group members have reported.
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
- 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.
- 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.
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.
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.