(100K Offers!) Amazing Offers on Chase Business Cards
🔥 Update 6/12/26: 100K offers! The Chase Ink Business Unlimited® Credit Card and the Chase Ink Business Cash® Credit Card are each offering 100,000 bonus points (or $1,000 cash) with no annual fee.
Amazing news for those who love to earn Chase Ultimate Rewards®!
If you’re running your business on a debit card or a basic business credit card, you’re leaving real rewards on the table. And most people are still operating this way because no one ever showed them an alternative. The good news: you can start earning on the spending you’re already doing. With Chase Ink Business Credit Cards, that can mean $1,000 in cash or even more value in free travel. These three cards are some of the top-ranked cards on Travel Freely, and opening one takes about 5-10 minutes.
Here’s something worth knowing: the real value of these cards isn’t just the size of the bonus, it’s the points themselves. Chase Ultimate Rewards are among the most valuable and flexible points out there (we value them at 1.5 cents each), with lots of ways to use them for free travel.
Looking for instructions on how to apply for a business credit card? Click here to skip down below for step-by-step instructions.
Chase Ink Business Unlimited – 100,000 points or $1,000 cash (Learn More)
An all-around great cash-back Chase business card. It’s very simple. You earn unlimited 1.5 points per $1 spent on all purchases using your Chase Ink Business Unlimited. Furthermore, it is great if you need to carry a balance for the first 12 months. This can be a great standalone card among the Chase Business Ink cards. However, it is also an excellent companion card to the Chase Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card. Like the Chase Ink Business Cash, you or a household member must have one of these cards in order to access Chase’s transfer partners. Learn more about this card with our Chase Ink Business Unlimited Complete Guide.
- Earn 1.5X rewards on everything
- Great for carrying a balance, if you need to carry a balance. Terms apply.
- No Annual Fee
- Note: This card is marketed as cash back, but you actually earn points that are then able to be redeemed for Travel, Gift Cards, Cash, etc.
Chase Ink Business Cash – 100,000 points or $1,000 cash (Learn More)
Out of the three Chase business cards, this card has an incredible signup bonus for a no-annual-fee card. While this card earns valuable Chase Ultimate Rewards, similar to the personal Sapphire cards, you’ll want to complement this card with either the Chase Ink Business Preferred, Chase Sapphire Reserve® or Chase Sapphire Preferred® Card. Why? In order to access Chase’s transfer partners, you or a household member must hold one of these three cards. Learn more about this card with our Chase Ink Business Cash Complete Guide.
- Earn 5X rewards (on first $25k spent) for phone, TV, internet, and office supply stores.
- Get 2X rewards on gas and restaurants (on the first $25K spent)
- Great for carrying a balance if you need to carry a balance. Terms apply.
- No Annual Fee
- Note: This card is marketed as cash back, but you actually earn points that are then able to be redeemed for Travel, Gift Cards, Cash, etc.
Important Update on Eligibility: Chase has introduced rules for the no-annual-fee Chase Ink Business Unlimited® Credit Card and Chase Ink Business Cash® Credit Card, making welcome bonus eligibility a bit less predictable. The bonus may not be available if you have previously received a bonus on either the Ink Business Cash OR the Ink Business Unlimited. Fortunately, you should get a message to let you know if you’re not eligible before a hard credit check.
Chase Ink Business Preferred – 100,000 Points (Learn More)
The Chase Ink Business Preferred card has a great signup bonus and 3X categories. Also, it can be combined with your personal Chase Ultimate Rewards points. Learn more about this card with our Chase Ink Business Preferred Complete Guide.
- Earns 3X rewards on travel, shipping, internet, cable, phone, and advertising with social media sites and search engines (up to $150K spend per year)
- Points worth even more value when using Points Boost in Chase Travelâ„ portal or transferring to partners
- Cell phone protection against theft or damage
- No foreign transaction fees
Note: The new cardmember bonus for the Ink Business Preferred® Credit Card may not be available to you if you have previously had the card. Chase may also consider factors pertinent to your business in determining your bonus eligibility.
| Card | Signup Bonus | Spending Required | Annual Fee |
|---|---|---|---|
| Ink Preferred | 100,000 points | $8,000 in first 3 months | $95 |
| Ink Cash | $1,000 | $8,000 in first 4 months | $0 |
| Ink Unlimited | $1,000 | $8,000 in first 4 months | $0 |
Sapphire Reserve for Businessâ„ – 200,000 points (Learn More)
The Sapphire Reserve for Business℠is Chase’s newest ultra-premium business card, and while it isn’t part of the Ink lineup, it plays an important supporting role. Just like the personal Chase Sapphire Reserve, holding it lets you transfer Ultimate Rewards points to Chase’s airline and hotel partners (including United, Southwest, World of Hyatt, and Marriott). That means points earned on the Ink Business Cash or Ink Business Unlimited can be combined and redeemed for more value.
Here’s the honest tradeoff: this card carries a $795 annual fee. It can make sense for a business owner with high spend who travels enough to use benefits like annual travel credits, airport lounge access, strong travel and purchase protections, and elevated redemption value through Chase Travel℠Points Boost or transfer partners. If you’re just getting started, or you won’t travel enough to use those perks, one of the no-annual-fee Ink cards above is the better fit, and you can always add a card like this later.
How to Apply
Click through below to move forward with a certain card. It is also important to know whether you are eligible to apply or not.
Tell Chase about your business
The first part of the application is about your business. If you have an established business, these answers will be straightforward. Here is how to approach each field. If the examples don’t match your situation, use your judgment and answer accurately for your business.
Business Information
- Legal Name of Business: Your business’s legal name.
- Business Name on Card: How you would like your business name to appear on the card.
- Business Mailing Address: Your business address.
- Type of business: Select the structure that matches your business.
- Tax Identification Number: Your business EIN. If you don’t have one yet, you can get an EIN from the IRS for free in about a minute (found here).
- Business category/type/subtype: Pick whichever categories are closest to your business.
- Number of Employees: The number of people your business employs.
- Annual Business Revenue: Your business’s annual revenue, or a reasonable projection based on revenue to date.
- Years in Business: The number of years you’ve been operating your business.
Personal Information
This part of the application is all about you personally:
- Authorizing Officer: Owner
- Gross annual income: Include all of your income and not just business income
- The rest should be self-explanatory
Video walkthrough on how to apply
How to improve your chances of success
The following tips can help with approval, but none are guaranteed:
- Use an EIN instead of your SSN when entering your Business Tax ID on the application
- Do not call if your application goes to pending
- Call if your application is denied
Do not call if your application goes to pending
When applications go to pending, people frequently find that they get approved without calling. But when people do call, they often get tough analysts who deny the application.
The approval process goes through up to 3 “gates”:
- Instant Approval (this is rare with Ink business cards)
- Automatic Approval, sent by mail (may take several weeks)
- Analyst Phone Approval
If you’re not instantly approved, then calling bypasses gate 2. Doing this may reduce your overall chance of approval. So I recommend waiting to get a letter in the mail. Hopefully, it will say “congratulations”.
Of course, if Chase contacts you asking for more information, then you absolutely should talk to them on the phone. In some cases, they may simply need more information about you or your business before your application can go through the next review stage.
Call if you are denied (and call again)
If your application is outright denied (either instantly or by mail), then call Chase’s business reconsideration number, which is open Monday through Friday during business hours. There are many cases where analysts have overturned denials over the phone. If denied, call reconsideration at 1-888-270-2127 for business cards.
The analyst will likely ask a lot of questions. Make sure your answers match your application. Also, if you have multiple Chase business cards, make sure to let the analyst know that you don’t need Chase to extend you more credit. Tell them that you are willing to move available credit from another card or cancel another card if necessary. Be prepared to answer financial questions about your business, why you want the card, and how you expect to use it. There is absolutely nothing wrong with saying that you were attracted by the signup bonus and by the 5X spend categories (for example).
If the analyst doesn’t approve your application, call again. Many people have had luck simply calling a few times until they reached an analyst willing to take a chance on their business.
Any questions? Feel free to ask in the comments below or email us at letstalk at travelfreely.com.
Get to Know Chase Ultimate Rewards
Chase Ultimate Rewards points are valuable and flexible. At the simplest level, you can redeem points for cash or merchandise, but only at one cent per point. The best value is to use the points for travel. By transferring points to the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred, you can use points to book travel through the Chase Travel portal, where points may be worth even more value when using Points Boost.
Learn More: Chase Points Boost: A New Way to Stretch Your Travel Rewards
Ultimate Rewards points associated with a premium or ultra-premium card can also be transferable to an airline or hotel program. If your points are associated with a no-annual-fee “cash back” Ultimate Rewards card, then you will want to move those points to a premium or ultra-premium card before redeeming them in order to maximize value.
The most popular Chase Ultimate Rewards Transfer Partners are Southwest Rapid Rewards, United MileagePlus, World of Hyatt, and Marriott Bonvoy. Points transfer to most programs at a 1:1 ratio, but for the Chase Sapphire Preferred and Chase Ink Business Preferred, points transfer at at 4:3 ratio (effective 6/15/26 for new Sapphire Preferred cardmembers, 10/1/26 for existing Sapphire Preferred cardmembers who applied before 6/15/26, and 10/1/26 for all Ink Business Preferred cardmembers).
Best Strategies by Business Type
Large businesses or owners of multiple businesses
Due to the new eligibility rules noted above, the strategy below may not apply to everyone. The Ink Business Cash and Ink Business Unlimited are now in the same card family, so a new bonus may not be available if you’ve already earned one on either card.
It may be worth having two of these cards if your business spends a lot of money in certain categories. For example, you would obviously want the Ink Business Unlimited for the large signup bonus and simple earning structure (1.5x on all purchases). Then, you could pair it with the Ink Business Cash and utilize the 5x categories for specific monthly spending. In addition, you would connect your accounts and transfer those Ink Cash points to your personal Sapphire card, Sapphire for Business card or the Ink Preferred for the opportunity to get more value in the Chase Travel portal.
Owners of multiple businesses
You can get more than one of these cards if you have multiple EINs or a spouse who can apply for an additional card using her SSN. You may also want to take a look at your monthly spending and see if you could benefit by having separate business cards for each business. Travel Freely Member Rob has 6 LLCs and got six Ink Preferred cards one year! Tip: Use Travel Freely to automate your card management.
Small businesses looking for a strong no-annual-fee option
If your business has real, ongoing activity but you want to keep costs low, the Ink Business Cash and Ink Business Unlimited are a great fit. Both carry no annual fee and a manageable spending requirement to earn the welcome bonus, and the points you earn become even more valuable when paired with the Ink Business Preferred or a Chase Sapphire card.
Common Questions:
Can I put personal spending on business cards?
This is fairly common. While it’s good practice to separate business and personal spending, and banks may dissuade you from doing this, it isn’t illegal, and many people do this.
What are the rules for getting more than one of these cards?
The Ink Business Cash and Ink Business Unlimited are now part of the same card family. You may not be eligible for a new bonus if you’ve already received one from either card. Fortunately, Chase will typically show a message before you submit your application, letting you know if you’re not eligible, so you can avoid a hard credit check. The Ink Business Preferred is not a part of that family so you can technically still hold one of no-annual-fee Inks (Business Cash or Business Unlimited) AND the Ink Business Preferred.
Keep in mind Chase only allows you to apply and be approved for 2 cards (2 personal, 2 business, or 1 personal + 1 business) per 30 days. Also, people have reported issues when trying to apply for two cards on the same day. So it’s better to space out the applications by a few days. Note: Business cards are usually limited to one per 30 days.
If I have a personal Chase card like the Chase Sapphire Preferred or Chase Sapphire Reserve, can I transfer the points I earn on my business card to my personal card?
Absolutely. You can transfer points to other Chase accounts you have or those who are household members or authorized users. Here’s a walkthrough on how to Chase merge points.
Do these cards count towards 5/24?
You know that the Chase 5/24 rule is important when you are getting into travel rewards (you generally need fewer than 5 new cards in the past 24 months). So you must be under 5/24 to be approved. However, compared to personal cards, these Chase cards do NOT count towards your 5/24 count.
Any questions? Feel free to ask in the comments below or email us at letstalk at travelfreely.com.
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