100K Welcome Offers on Chase’s No-Annual-Fee Ink Business Cards Are Ending Soon

Chase’s 2 no-annual-fee Ink business cards are still carrying their best welcome offers ever — though not for much longer.

Both cards are currently offering $1,000 cash-back, which can be redeemed as 100,000 bonus points, and Chase is winding these promotions down soon.

We don’t have a firm cutoff date or time, so if you’ve been sitting on the fence, applying soon makes sense. Here’s a look at the welcome offer details and how these cards differ.

100K Welcome Offers on No-Annual-Fee Chase Ink Cards

The Ink Business Cash^® Credit Card and the Ink Business Unlimited^® Credit Card are both running the same welcome bonus offer right now: Earn $1,000 in bonus cash-back after spending $8,000 on purchases in the first 4 months from account opening.

That $8,000 spending requirement breaks down to about $2,000 per month, which could be manageable for business owners who already run their everyday expenses on a credit card. The offer is advertised as $1,000 in cash-back, but the points can be worth more depending on how you redeem them.

Here’s why: The 100,000 points you earn can be moved to a Chase credit card with an annual fee like the Chase Sapphire Preferred^® Card, Chase Sapphire Reserve^®, Sapphire Reserve for Business℠, or Ink Business Preferred^® Credit Card. From there, you can transfer them to Chase’s airline and hotel partners.

We value Chase Ultimate Rewards points at 2 cents each, which puts 100,000 points at an average value of $2,000 when redeemed for travel through transfer partners. That’s double the advertised value of these welcome offers.

These are the best welcome offers we’ve tracked on either card over the past 6 years.

Which Ink Business Card Fits You?

Both cards carry a $0 annual fee and share most of the same perks, including primary rental car insurance on business rentals, roadside assistance, purchase protection, and extended warranty coverage. The difference lies in how they earn.

The Ink Business Cash card earns 5% cash-back on the first $25,000 spent each anniversary year on combined purchases at office supply stores and on internet, cable, and phone services. It also earns 2% cash-back on the first $25,000 spent each anniversary year at gas stations and restaurants, plus 1% on everything else. Chase also offers 5% cash-back on Lyft rides through September 30, 2027.

OFFER ENDING SOON

Terms Apply / Rates & Fees

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.

Apply Now(at Chase's secure site)

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

Read Full Review

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

The Ink Business Unlimited card keeps it simple with unlimited 1.5% cash back on every purchase, and the same 5% on Lyft rides through September 30, 2027.

OFFER ENDING SOON

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.

Apply Now(at Chase's secure site)

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

Read Full Review

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

If your business spends regularly at office supply stores, on utilities, or at gas stations, the Ink Business Cash card will likely give you more rewards during the year. If you’d rather earn a flat rate on everything without tracking bonus categories, the Ink Business Unlimited card is the cleaner pick.

You can also hold both since there’s no rule against it. Plenty of business owners carry the pair to squeeze the best return out of every spending type.

Final Thoughts

The Ink Business Cash card and the Ink Business Unlimited card have long been fixtures among the best no-annual-fee small-business credit cards. Both are strong enough to hold up on their own.

Add in 100,000 points, the highest welcome bonus offer either card has ever carried, and the case for applying gets hard to ignore. Chase hasn’t shared an exact end date, but we know the offers are ending soon. If you’ve been considering either card, this is a strong time to apply before the $1,000/100,000 points offer disappears.