The Chase Ink Business Unlimited® Credit Card is making headlines with a record-setting welcome bonus: $1,000 cash back (delivered as 100,000 Ultimate Rewards points) for new applicants. This limited-time offer, available as of June 19, 2026, marks the highest bonus we've ever tracked for a no-annual-fee business card.
Our Take
Good news for small business owners and side hustlers. This is hands-down the best deal we've ever seen on the Ink Business Unlimited, offering both a massive upfront bonus and ongoing value with unlimited 1.5% back. If you have any business or freelance income—even a side gig—this is a no-brainer card to grab right now.
What Changed
- Welcome bonus: 100,000 Ultimate Rewards points ($1,000 cash back) after $8,000 spend in 4 months (previously 75,000 points)
- Bonus value: ~$2,050 if transferred to travel partners (by our 2.05¢/point valuation), or $1,000 as cash back
- Effective: June 19, 2026, for new applicants
- No annual fee
- Ongoing rewards: Unlimited 1.5% cash back (1.5x points) on all purchases
Who Benefits Most
- Small business owners with $8,000+ in expenses: Earn 100,000 points worth $2,050 (if used for travel via partners) or $1,000 as cash back—an unbeatable return for a no-fee card.
- Side hustlers and freelancers: Even if you only have a part-time gig, you can qualify and maximize this bonus for easy rewards.
- Chase Ultimate Rewards fans: Stack this card with Chase Sapphire Preferred or Chase Ink Business Preferred to pool points and unlock premium travel redemptions.
- Flat-rate spenders: If you make lots of purchases outside bonus categories, 1.5x points on everything beats most business cards.
Who Should Be Cautious
- Those who can’t meet the $8,000/4mo spend: If you can’t hit the minimum, you’ll miss out on the full bonus.
- Chase 5/24 rule victims: If you’ve opened 5+ cards in the past 24 months, you likely won’t be approved.
- Big bonus category spenders: If you spend heavily in office supply, travel, or advertising, Chase Ink Business Cash or Chase Ink Business Preferred may earn you more.
What To Do Right Now
- Check your eligibility under Chase’s 5/24 rule before applying.
- Estimate your business or freelance expenses to ensure you can hit the $8,000 spend in 4 months.
- Apply for the Ink Business Unlimited as soon as possible—this best-ever bonus may not last long.
- If you already have a premium Chase card, plan to transfer your points for maximum value.
- Track your spending to ensure you earn the full bonus before the deadline.
