Who’s Eligible for Chase’s Ink Business Card 100K Welcome Offers?

The 2 no-annual-fee business cards from Chase, the Ink Business Unlimited^® Credit Card and Ink Business Cash^® Credit Card, are both excellent options for business owners.

Each card offers great bonus categories, protections that help keep your business covered, and now, best-ever welcome offers each featuring 100,000 bonus points.

Here is how to determine if you are eligible for the no-annual-fee Chase Ink business cards and whether they are a good fit for your business.

Chase Ink Cards Limited-Time Welcome Offers

For the first time ever, the Ink Business Unlimited card and the Ink Business Cash card are featuring their all-time best welcome offers:

• Ink Business Unlimited card: Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
• Ink Business Cash card: Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening.

Based on the welcome offer history on the Ink Business Unlimited card and the Ink Business Cash card, it’s more common to find a $750 welcome offer, or even $900 during limited-time welcome offers. The opportunity now to earn a $1,000 welcome offer is practically unheard of — and certainly won’t last long.

Both cards offer cash-back welcome bonuses, but if you also hold a premium Chase business card, such as the Ink Business Preferred^® Credit Card, the Sapphire Reserve for Business℠, or personal travel cards such as the Chase Sapphire Reserve^® and Chase Sapphire Preferred^® Card, you can pool the Chase Ultimate Rewards points you earn together to access Chase’s transfer partners.

This allows you to get more value from your Chase Ultimate Rewards points by booking luxury travel for far less than the usual cash cost. It’s why we value Chase Ultimate Rewards points at 2 cents per point, which means 100,000 bonus points are effectively worth $2,000.

Eligibility Requirements for Chase Ink Cards in 2026

To qualify for the Ink Business Unlimited card or the Ink Business Cash card, it’s recommended to have a good personal credit score, ideally 670 or higher. Here are some other main things to know before submitting that application.

1. You Don’t Necessarily Need a Registered Business or an LLC

Did you know that you don’t need to have a large or established business to be eligible for either of these cards? Even if your business is new and you’re opening a business credit card to help with startup costs, you can be eligible for the Ink Business Unlimited card and Ink Business Cash card with your Social Security number (SSN).

Even if you operate your business as a side hustle, freelance, or a sole proprietorship without an Employee Identification Number (EIN), you are still eligible for Chase business cards.

2. New Lifetime Restriction for Welcome Offers

When it comes to welcome offer eligibility, Chase has recently tightened its restrictions. Under Chase’s updated rules, cardholders may receive a welcome bonus offer on either the Ink Business Cash card or the Ink Business Unlimited card — but not both.

For example, if you’ve previously had the Ink Business Cash card, you wouldn’t be eligible for the welcome bonus on the Ink Business Unlimited card, and vice versa. Further, you may not be eligible for the bonus on either card if you have held that exact card before, even if you’ve closed the account.

However, you can still earn welcome offers on the Ink Business Preferred^® Credit Card and the Sapphire Reserve for Business℠, respectively, as these are considered separate products from the no-annual-fee Ink lineup.

3. Chase’s 5/24 Rule Still Applies

The 5/24 rule applies to all Chase credit cards. Before applying for the Ink Business Unlimited card or the Ink Business Cash card, you’ll want to make sure you haven’t opened 5 or more credit card accounts — from any bank — in the past 24 months.

The nice part, though, is that Chase business cards don’t add to your 5/24 limit. That means you can continue building your business card portfolio without using up one of your valuable 5/24 slots.

Which Chase Ink Card Is Best for You?

This comparison table will help you narrow down whether the Ink Business Unlimited card or the Ink Business Cash card is a better fit for you.

With the Ink Business Cash card, you’ll earn 5% back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, along with 2% back back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, with 1% back on all other purchases.

LIMITED TIME OFFER

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, on the other hand, earns an uncapped 1.5% back on all purchases, regardless of category. Given that, deciding which card is best for you largely comes down to which purchases your business spends the most on.

LIMITED TIME OFFER

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

Can You Have Multiple Chase Ink Cards and Earn the Welcome Bonus?

If multiple Ink cards sound like a good fit for your business, you might be wondering if you can hold multiple Ink cards.

Yes, you can hold both the Ink Business Unlimited card and Ink Business Cash card at the same time. In fact, if you operate multiple businesses, you can hold multiple of the same card, one for each of your different business ventures.

That said, you cannot earn the welcome bonus on both the Ink Business Cash card and the Ink Business Unlimited card under the same business. However, you could pair either of these cards with the Ink Business Preferred card or the Chase Sapphire Reserve Business card and earn their welcome bonus offers.

Final Thoughts

For business owners, both the Ink Business Cash card and Ink Business Unlimited card are worthwhile additions to your wallet.

Regardless of the size of your business or side hustle, you are eligible to apply for business cards, and doing so now is a great time, as the Ink Business Unlimited card and Ink Business Cash card have their highest-ever welcome bonus offers.