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

Chase’s Ink credit card portfolio is a great place to start for most business owners. For a $0-annual-fee version, it’s hard to beat the value of the Ink Business Cash^® Credit Card.

It earns up to 5% cash-back on some of the most important business expenses. Best of all, the rewards can be pooled together with a premium Chase travel credit card, whether that’s the Ink Business Preferred^® Credit Card or any of the Chase Sapphire cards.

The Ink Business Cash card’s welcome offer isn’t too shabby, either. Over the past few years, it’s even reached up to $900 in cash-back. Here’s a look at the card’s welcome offer history, so you can get a better sense of when it might be worth applying.

When To Apply for the Ink Business Cash Card

On its own, the Ink Business Cash card doesn’t unlock access to Chase’s 1:1 transfer partners, such as United Airlines MileagePlus and World of Hyatt, as it’s designed as a business cash-back card. However, if you also carry a more premium Chase card, you can pool your rewards and convert that cash-back into fully transferable Ultimate Rewards points.

Of course, not every business owner wants to deal with airline and hotel transfer partners, as many prefer the simplicity of straightforward cash-back. But for those looking to maximize value by stacking rewards (and adding the Ink Business Cash 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 massive potential of Chase’s transfer partners.

With that said, here’s the current public welcome offer on the Ink Business Cash card, and below, we’ll compare this to the previous versions available:

• Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening.

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

As you can see, the minimum spending requirements have largely remained consistent over the past several years. However, the window to meet that spending threshold (along with the number of bonus points offered) has varied over the years.

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Ink Business Cash^® 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.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

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Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

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

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

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Card Highlights

• Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
• Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
• Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
• Earn 1% cash back on all other purchases with no limit to the amount you can earn.
• Earn 5% total cash back on Lyft rides through 9/30/27.
• As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
• Complimentary three-month lnstacart+ membership.
• No Annual Fee
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

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

Rewards Center

Chase Ultimate Rewards

Although you can earn $1,000 in cash-back rewards right now, that also equates to 75,000 Ultimate Rewards points with the right Chase credit card. That’s a tremendous haul of points worth more like $1,500 according to our valuations — amazing for a card with a $0 annual fee.

Ink Business Cash Card Benefits

The Ink Business Cash card doesn’t offer airport lounge access, statement credits, or any big-name perks. Instead, it’s a rewards-rich card for a $0 annual fee:

• Earn5% cash-back on Lyft rides (through September 30, 2027) and in combined purchases at office supply stores and on internet, cable, and phone services (up to the first $25,000 spent each account anniversary year), 2% cash-back in combined purchases on dining and gas (up to the first $25,000 spent each account anniversary year), and 1% cash-back on all other purchases
• 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
• Add employee cards at $0 additional cost
• Purchase protection, extended warranty, and secondary rental car insurance

Final Thoughts

We’ve researched the best welcome offers available on the Ink Business Cash card and its history since 2020. Looking back this many years, we can somewhat predict whether an elevated welcome bonus will return or is a thing of the past.

Remember, though, the welcome offer is just the initial piece of the puzzle. When it comes to earning rewards for the long term, the ongoing earning rate is where you’ll continue to stack up the points for years to come.