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[Expired] Score Best-Ever 100K Welcome Offers on Chase’s No-Annual-Fee Ink Business Cards

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Ryan Smith
Updated: 
Edited by: Jessica Merritt
& Stella Shon
[Expired] Score Best-Ever 100K Welcome Offers on Chase’s No-Annual-Fee Ink Business Cards
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Update:The offer mentioned below has expired and is no longer available.

The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card have long been go-to options for business owners looking to maximize everyday spending without paying an annual fee.

Right now, these cards have the best welcome offer either card has ever seen. Here’s what to know.

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Ink Business Cash Card and Ink Business Unlimited Card: 100K-Point Welcome Offers

Both the Ink Business Cash card and the Ink Business Unlimited card are running the same bonus offer, and it’s a record-setter: Earn $1,000 in bonus cash-back after you spend $8,000 on purchases in the first 4 months from account opening.

This is the all-time best welcome bonus offer either of these cards has ever provided. That spending requirement works out to an average of $2,000 per month during the welcome offer period — a realistic target for many business owners who already route regular expenses through a credit card.

Ink Business Cash® Credit CardTerms Apply / Rates & Fees
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.

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.
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; 16.99% - 24.99% variable thereafter.
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; 16.99% - 24.99% 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 when you spend $6,000 on purchases in the first 3 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; 16.99% - 24.99% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Ink Business Unlimited® Credit CardTerms Apply / Rates & Fees
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.

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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
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 16.99% - 24.99% thereafter.

Pros & Cons
Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
Cons
    • 3% foreign transaction fee
Read Full Review
Card Highlights
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 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 16.99% - 24.99% thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

However, the cash-back label understates the actual value of this welcome offer. If you also hold a premium Chase Ultimate Rewards card — like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Sapphire Reserve for Business℠, or Ink Business Preferred® Credit Card — you can redeem that $1,000 as 100,000 Ultimate Rewards points.

From there, transferring to Chase’s airline and hotel partners can push the value well beyond the advertised amount, effectively doubling what the bonus offer is worth.

For reference, we value Chase Ultimate Rewards points at 2 cents each, making 100,000 Ultimate Rewards points worth $2,000 on average when redeemed as points — rather than $1,000 when redeemed as cash-back.

Which Ink Business Card Is Best for You?

Outside the welcome bonus offer, the Ink Business Cash card and the Ink Business Unlimited card have many similarities.

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Benefit

Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Annual Fee

$0$0

Earning Rates

  • 5% cash-back on up to $25,000 spent in combined purchases each anniversary year at office supply stores and on internet, cable and phone services
  • 5% cash-back on Lyft rides through September 30, 2027
  • 2% cash-back on up to $25,000 spent in combined purchases each anniversary year on dining and gas
  • 1% cash-back on all other purchases
  • 5% cash-back on Lyft rides through September 30, 2027
  • Unlimited 1.5% cash-back on all purchases

Rental Car Insurance

Primary (when renting a vehicle for business purposes)

Roadside Assistance

Included

Purchase Protection Benefit

Coverage for up to 120 days from purchase against damage or theft, covering up to $10,000 per claim and up to $50,000 per account

Extended Warranty Coverage Benefit

Adds 1 additional year on eligible U.S. manufacturer’s warranties of 3 years or less

If your business mostly has spending across office supply stores, on utilities, or at gas stations, the Ink Business Cash card is likely the better pick. If you’d rather earn a dependable flat rate across every purchase without tracking categories, the Ink Business Unlimited card is the cleaner pick. And since there’s no rule against holding both, plenty of business owners carry both cards to maximize returns across every spending type.

Hot Tip:

We’ve tracked the previous welcome offers on the Ink Business Cash card and the Ink Business Unlimited card over the past 6 years, confirming that 100,000 points is the all-time best bonus offer on both business credit cards.

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Final Thoughts

The Ink Business Cash card and the Ink Business Unlimited card have always ranked among the best no-annual-fee small-business credit cards on the market. Both are strong enough to stand on their own merits.

Add in 100,000 points — the highest bonus offer either card has ever had — and the case for applying gets hard to ignore. If you’ve been considering either of these cards, this is a strong time to apply.

Featured Image Credit: Vitaly Gariev via Unsplash
Ryan Smith's image

About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and is now revisiting some favorites. Over the years, he’s written about award travel and credit cards for publications like AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, Point.me, Forbes Advisor, and more.

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Platinum Card® from American ExpressTerms Apply / Rates & Fees

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Welcome Offer: As High as 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
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  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
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  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
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  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
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  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
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