Increased Offers on No Annual Fee Ink Business Cards
🔥 Just Launched: These are the highest welcome offers we’ve ever seen on the no-annual-fee Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit Card.
Learn how to apply below (and thank you for supporting Travel Freely!):
These have long been two of our favorite small business cards. With the new offer increases, they’re at the top of our list. One important update: Chase now considers these cards part of the same family, so you can earn the welcome bonus on one of the two. Both are strong cards, and the right choice depends on how you spend (more on choosing below).
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 $1,000 cash back welcome bonus on each card (equivalent to 100,000 Chase Ultimate Rewards® Points). That’s a ton of points, and the best part is there’s no annual fee, so you can keep either card 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 or ultra-premium Chase card like the Chase Sapphire Preferred Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card, or Sapphire Reserve for Business℠. Doing so unlocks extra travel value two ways: redeem in the Chase Travel℠ portal for eligible Points Boost flights and hotels, or transfer your points 1:1 to top travel partners like British Airways, United, Southwest, Marriott, and World of Hyatt. (Hyatt transfers at a slightly lower 4:3 ratio from the Sapphire Preferred, which still delivers strong hotel value.)
Same Family: Pick One (And It’s Still a Great Choice)
Heads up on a new rule: Chase now considers the Ink Business Cash and Ink Business Unlimited part of the same card family. That means you’ll earn the welcome bonus on one of these cards, not both. Here’s how to choose:
- Choose Ink Business Cash if a meaningful portion of your spending falls into the 5% cash back categories (office supply stores and on internet, cable, and phone services) or the 2% cash back categories (gas stations and restaurants).
- Choose Ink Business Unlimited if you’d rather skip the category tracking and earn a simple, flat 1.5X on every purchase.
Here’s the breakdown on each card:
Ink Business Cash® Credit Card
Annual Fee: $0
Earning Power:
- 5% cash back at office supply stores and on internet, cable, and phone services (on up to $25,000 in combined purchases annually, then 1% cash back). Since you actually earn points instead of cash, this is essentially earning 5X points.
- 2% cash back at gas stations and restaurants (on up to $25,000 in combined purchases annually, then 1% cash back). 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 and no categories.
Way more than $1,000 in Free Travel! Easy & Flexible Redemption Options
Here are your main redemption options:
- Cash Back: Redeem points for cash at 1 cent per point, which means you can convert 100,000 points into $1,000 cash.
- Even better for travel: Combine with a premium or ultra-premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Preferred, Sapphire Reserve for Business) and:
- Redeem in the Chase Travel℠ portal for extra value using Points Boost. The exact rate depends on which premium or ultra-premium Chase card you pair with and the specific flight or hotel, with the Chase Sapphire Reserve reaching up to 2 cents per point on eligible bookings.
- Transfer to 14 airline and hotel partners like British Airways, United, Southwest, Marriott and Hyatt. 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 one of these 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 Business Cash and Chase Ink Business Unlimited are 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 banks’ 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!
Bottom Line
Whether you choose the Chase Ink Business Cash or the Chase Ink Business Unlimited, you’re getting one of the strongest no-annual-fee business cards on the market right now. With elevated bonus offers, flexible Chase Ultimate Rewards points, and solid purchase protections, either is a no-brainer addition for the right business owner.
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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