The highest welcome offers recorded for two no-annual-fee Chase business cards have now taken effect. Applicants for the Ink Business Unlimited or the Ink Business Cash can earn a $1,000 cash-back bonus after spending $8,000 within the first four months. Small-business owners, freelancers, and sole proprietors stand to gain the most from these terms, provided they meet Chase’s standard approval criteria.
Bonus Details and Spending Requirements
Both cards carry identical bonus structures at present. The requirement calls for $8,000 in purchases over four months, after which the $1,000 cash back posts to the account. These terms exceed all prior recorded offers on either product and apply only to new accounts. The timeline remains fixed once an application is approved. Cardholders who reach the threshold early can still receive the full amount once the four-month window closes. No additional categories or multipliers attach to the bonus itself.
Earning Rates on Each Card
The Ink Business Unlimited provides a flat 1.5 percent cash back on every purchase. This rate applies without caps or category restrictions, making the card suitable for businesses whose spending does not cluster in specific areas. The Ink Business Cash uses a tiered structure. It awards 5 percent cash back on office-supply purchases and on internet, cable, and phone services, up to $25,000 combined per year. It also awards 2 percent at gas stations and restaurants, again up to the same annual cap, with 1 percent on remaining purchases.
| Card | Bonus | Key Earning Rates | Annual Fee |
|---|---|---|---|
| Ink Business Unlimited | $1,000 after $8,000 spend | 1.5% on all purchases | $0 |
| Ink Business Cash | $1,000 after $8,000 spend | 5% office supply/internet/cable/phone; 2% gas/restaurants (both capped at $25k/yr); 1% elsewhere | $0 |
Converting Cash Back into Travel Rewards
Cash back earned on either card can transfer into Chase Ultimate Rewards points when paired with a premium Chase card such as a Sapphire product or the Ink Business Preferred. The conversion allows points to be redeemed for travel at higher values or transferred to airline and hotel partners. Without such a pairing, the rewards remain as cash back only. The Ink Business Premier, by contrast, does not permit conversion to Ultimate Rewards points even if other Chase cards are held.
Eligibility Rules and Business Requirements
Applicants must operate a legitimate business, though the definition includes freelancers, gig workers, and sole proprietors. Prior ownership of one Ink card does not automatically block a bonus on a different Ink card. Chase continues to enforce its 5/24 guideline, under which applicants who have opened five or more credit cards from any issuer in the past 24 months face likely denial. Meeting the spending threshold remains the primary practical hurdle once approval occurs. These offers give qualifying businesses a direct path to meaningful rewards without incurring annual fees. Small-business owners who can comfortably reach the spending target and satisfy Chase’s other criteria may find the timing advantageous.
