Ink Business Unlimited Card’s Welcome Offer History: 2020 to 2026

Chase’s portfolio of Ink credit cards offers something for every small-business owner. For those wanting simplicity and a card with a $0 annual fee, it’s hard to beat the Ink Business Unlimited^® Credit Card.

It earns 1.5% cash-back on everyday spending with no hassle or confusing rewards structures. Even better, this cash-back can be turned into flexible Chase Ultimate Rewards points if you have an eligible Chase credit card to pair it with, making this card a solid part of a wider rewards strategy.

The Ink Business Unlimited card’s welcome offer is good for a card without an annual fee. Over the past few years, the offer has reached as high as $900 in cash-back after completing the introductory spending requirement.

Here’s a look at the Ink Business Unlimited card’s welcome offer history, giving you a clear sense of when to apply for this card.

When To Apply for the Ink Business Unlimited Card

On its own, the Ink Business Unlimited card doesn’t provide access to Chase’s hotel and airline transfer partners, such as United Airlines MileagePlus and World of Hyatt. That’s because it’s designed as a cash-back card for small businesses.

If you also carry a more premium Chase credit card — such as the Ink Business Preferred^® Credit Card or even a personal card like the Chase Sapphire Preferred^® Card — you can combine your rewards across cards, turning your cash-back into Ultimate Rewards points that you can transfer to partner rewards programs.

Not every business owner wants to deal with airline and hotel transfer partners, and you may prefer the simplicity of cash-back. However, if you’re looking to maximize value by stacking rewards (and adding the Ink Business Unlimited card to your wallet), transferable Chase points can be incredibly powerful. That flexibility is why we value Ultimate Rewards points at 2 cents each, thanks to the incredible value offered by transfer partners.

Before looking at the history of bonuses on the Ink Business Unlimited card, it’s worth knowing the current welcome bonus offer on the card:

• Earn $750 $1,000 bonus cash-back after you spend $8,000 on purchases in the first 4 months from account opening.

*Valuations are based on our monthly points valuations and are not provided by the issuer.

The Ink Business Unlimited card’s minimum spending requirement hasn’t changed much over the past few years. However, the window to meet that spending threshold (along with the available bonus) has varied over the years.

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Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

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Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

• 3% foreign transaction fee

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Card Highlights

• Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

While you can earn $1,000 in cash-back rewards right now through the card’s welcome bonus offer, that also equates to 75,000 Ultimate Rewards points when you pair the Ink Business Unlimited card with the right Chase credit card. That’s a tremendous haul of points worth more like $1,500 according to our valuations. That’s pretty incredible for a credit card with a $0 annual fee.

Ink Business Unlimited Card Benefits

The Ink Business Unlimited card doesn’t offer headline-grabbing perks like airport lounge access or statement credits for spending. Instead, it offers simple earnings that add up over time and a $0 annual fee.

Cardholder benefits include:

• Earn 5% cash-back on Lyft rides (through September 30, 2027).
• Earn 1.5% cash-back on other purchases.
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Add employee cards to your account at $0 additional cost.
• Enjoy benefits like purchase protection, extended warranty, and secondary rental car insurance.

Final Thoughts


We’ve looked into the history of welcome offers on the Ink Business Unlimited card since 2020. Considering this period, we can see what a great welcome offer looks like on this card and understand when a new one is worth jumping on. We also know what a standard offer looks like.

However, it’s worth remembering that the welcome offer is just one piece of the puzzle when considering a credit card application. A long-term credit card strategy should include cards that you keep year after year, even after you’ve earned the welcome bonus offer, because the card provides benefits you use and earning rates that align with your spending habits. That helps you keep earning rewards into the future.