The Chase Ink Business Unlimited® Credit Card is making headlines with its strongest-ever welcome offer: a $1,000 cash back bonus (delivered as 100,000 Ultimate Rewards points) for new applicants. This no-annual-fee business card also earns a flat 1.5% cash back on every purchase, making it a top pick for small business owners seeking simplicity and value.
Our Take
Good news for small business owners and Ultimate Rewards fans. This is the highest bonus we've ever tracked for the Ink Business Unlimited, and with no annual fee plus easy 1.5% back everywhere, it's a rare win-win. If you run a business—even a side hustle—this is a must-consider offer, especially for those who value flexible points.
What Changed
- Welcome bonus: $1,000 cash back (100,000 Ultimate Rewards points) — all-time high
- Annual fee: $0 (unchanged)
- Earning rate: 1.5% cash back (unchanged)
- Bonus delivered as Ultimate Rewards points, not just cash
Who Benefits Most
- Small business owners with diverse spending: Spend $8,000 in 3 months to earn the $1,000 bonus—by our valuation, that's 100,000 points worth ~$2,050 if transferred to travel partners.
- Chase Ultimate Rewards maximizers: Pairing this card with a Chase Sapphire Preferred or Chase Ink Business Preferred lets you transfer points to Hyatt, United, and more, unlocking outsized travel value.
- Flat-rate spenders: If your business expenses don't fit into bonus categories, 1.5% back on everything is simple and lucrative.
- New business owners: No annual fee means you can keep this card open long-term to help build business credit and length of credit history.
Who Should Be Cautious
- Big spenders in bonus categories: If your business spends heavily on travel, dining, or office supplies, a card like Chase Ink Business Preferred (3x on those categories) may yield more points.
- Personal-only spenders: This is a business card; using it for personal expenses can complicate bookkeeping and may violate card terms.
- Those who can't meet the minimum spend: The $8,000 in 3 months requirement is substantial—don't stretch your budget just for the bonus.
What To Do Right Now
- Check if you qualify for a business card—even freelancers and side hustlers often do.
- Calculate if you can responsibly meet the $8,000 spend in 3 months.
- Apply for the Ink Business Unlimited while the $1,000 bonus is live (historically, these offers are limited-time).
- If you have a premium Chase card, plan to transfer your points for maximum travel value.
- Set up autopay and track your spending to ensure you hit the bonus threshold.
