(New! Now $900!) Increased Offers on No Annual Fee Ink Business Cards

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🌟 Gold Alert: Big news in the Chase small business card lineup!

🔥 Update 9/12/25: New increased offers are some of the best offers of the year — especially since both business cards have no annual fee!

Learn how to apply below (and thank you for supporting Travel Freely!):

These cards have always been favorites, but right now they’re the #1 business cards to get. Even better — you can hold both cards at the same time, and if you own multiple businesses, each business is eligible as well.

We love business cards — especially when paired with our #1 personal pick, the Chase Sapphire Preferred® Card. Not only do they unlock another way to rack up huge rewards, but they also don’t show up on your personal credit report, which means they don’t count against your 5/24 status.

Why We Love These Offers

The Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit Card are shining right now thanks to a massive $900 cash back welcome bonus on each card (equivalent to 90,000 Chase Ultimate Rewards® Points.) That’s a ton of points, and the best part is there’s no annual fee, so you can keep them long-term without worrying about ongoing costs.

Another huge perk? These business cards don’t show up on your personal credit report. That means that while you must be below 5/24 when applying for these cards, once approved, they won’t count towards Chase’s 5/24 rule, making them an easy way to rack up rewards without hurting your chances of future approvals.

And the value only gets better when you pair them with a premium Chase card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card or Sapphire Reserve for Business℠. Doing so lets you unlock extra travel value — either through redeeming in the Chase Travel℠ portal for eligible Points Boost flight and hotel bookings, or through transferring points to top travel partners like Hyatt, United, and Southwest.

Here’s the breakdown on each card:

Ink Business Cash® Credit Card

Annual Fee: $0

Earning Power:

• 5% back (on up to $25,000 annually) at office supply stores and on internet, cable, and phone services. Since you actually earn points instead of cash, this is essentially earning 5x points.
• 2% back (on up to $25,000 annually) at gas stations and restaurants. This is essentially earning 2x points.
• 1% back on everything else (1x)

Why we like it: Ongoing 5% categories make this one of the strongest business cards for earning rewards year after year.

Ink Business Unlimited® Credit Card

Annual Fee: $0

Earning Power:

• 1.5% back (or 1.5x points per $1) on every purchase — no caps, no categories

Why we like it: Super simple. This card shines if you don’t want to juggle bonus categories but still want strong rewards on every single purchase.

Here’s why these cards stand out as the ultimate choice for business owners looking to turn their expenses into travel opportunities:

Way more than $900 in Free Travel! Easy & Flexible Redemption Options

You can choose to redeem your points in the following 2 ways:

1. Cash Back: Redeem points for cash at 1 cent per point, which means you can convert 90,000 points into $900 cash.
2. Even better for travel: Combine with a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Preferred, Sapphire Reserve for Business) and:
   • Redeem in the Chase Travel℠ portal with extra value using Points Boost, from 1.5x – 2x depending on the card used.
   • Transfer to 14 airline and hotel partners like Hyatt, United, and Southwest. We value Chase Ultimate Rewards points at 1.5 cents each and even more when transferred wisely.

Key Benefits to Know

Purchase Protection & Extended Warranty

• Covers new purchases for up to 120 days against damage or theft (up to $10,000 per claim, $50,000 per account).
• Extends warranties by 1 year on eligible U.S. purchases.

Primary Auto Rental Coverage

Both cards offer primary rental car insurance when renting for business purposes. Note: The bank may require that the use of the rental car is for business since you are covering it with a business credit card.

Foreign Transaction Fees

Both cards charge fees abroad, so they’re best for U.S. spending.

Combine Points with Other Chase Ultimate Rewards

While the Chase Ink Business Cash and the Chase Ink Business Unlimited are marketed as cash back cards, they actually earn the same highly valuable Chase Ultimate Rewards points as our popular personal card, the Chase Sapphire Preferred. If you have either of the Ink cards and the Sapphire Preferred (or Sapphire Reserve, Ink Preferred, or Sapphire Reserve for Business), you can combine your points into the same account! This makes booking travel in the Chase Travel℠ portal or transferring to partners even easier.

For example, if you happen to have the Sapphire Reserve, you can transfer your points earned from your Ink card to the Sapphire Reserve and redeem your points through the Chase Travel℠ portal at up to 2 cents per point when booking flights or hotels that are eligible for Points Boost. Want to learn more? Go here for our comprehensive guide on Chase Ultimate Rewards.

Does Not Count Against Chase’s 5/24 Rule

Chase has an unwritten rule called 5/24, where Chase generally will not approve you for a new card if you have opened 5 or more personal credit cards in the past 24 months. Since the Chase Ink Cash and Chase Ink Unlimited are a business credit cards, they don’t contribute towards your 5/24 status.

However, even though they don’t count towards your 5/24 status, you typically still need to be under 5/24 to be approved. To maximize your approval odds, make sure you have not opened more than 4 personal credit cards in the past 24 months. (Note: Some other bank’s business credit cards do count towards your 5/24 status).

Tip: Not sure what your 5/24 status is? Travel Freely tracks this for you!

Own Multiple Businesses? Here’s a Huge Tip

You can apply and earn the signup bonus for a Chase Ink Business Cash card and a Chase Ink Business Unlimited card for each business that you own. This maximizes your points and benefits across your ventures. This strategy can help you accumulate even more rewards and leverage your business expenses effectively.

This means that instead of receiving a single bonus offer, you can earn multiple, each corresponding to a different business entity. This approach maximizes your reward points and allows you to strategically allocate expenses to different cards, optimizing your points-earning potential. Note that Chase generally approves 1 business card per 30 days, so it would be a good idea to space out your applications.

💡Pro Tip: If you have multiple businesses, the Travel Freely app allows you to create a separate profile for each of your businesses, all housed under one account, making tracking your cards across businesses even easier.

Bottom Line

The Chase Ink Business Cash and the Chase Ink Business Unlimited cards are a powerhouse duo for any business owner looking to leverage their expenses for incredible travel rewards. With their high bonus offers, flexible redemption options, and valuable purchase protections, they are 2 of the best business cards available. Whether you travel frequently or simply want to maximize your rewards for your next big trip, these cards offer unbeatable value.

Are You Eligible for a Business Card?

Many people aren’t sure if they qualify for a business card. If you’re a freelancer, sole proprietor, or have a side gig, you are eligible! Check out our detailed Guide on Business Card Eligibility to see if you qualify. (Hint: You probably do!)

How to Apply for a Business Card

Applying for a business card might seem intimidating, but it doesn’t have to be. We’ve broken down the process into easy steps in our Guide on How to Apply for a Business Credit Card. Follow our tips to get approved without stress.

Compare Chase Ink Business Cards

Not sure which Chase Ink card is right for you? We’ve got you covered. Compare the benefits of all 3 Chase Ink Business cards in our Chase Ink Comparison Guide.

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• Category: Credit Card Strategy, Small Business
• Tag: Card-192, Card-39, Card-7, Card-91, Chase, Chase Ultimate Rewards, indiv-card, Must Reads