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November 18, 2024: We learned that the in-branch offer on the Ink Business Cash® Credit Card matches the online offer, so we updated the article.
The Ink Business Cash® Credit Card welcome bonus is now even easier to earn. Earlier this year, Chase made a change to the welcome bonus of the Ink Cash card. You’ll now earn $350 when you spend $3,000 within the first three months and an additional $400 when you spend a total of $6,000 within the first six months.
Here’s what you need to know about the Chase Ink Cash welcome bonus, a welcome bonus that makes our list of the best cash back welcome offers and is one of the best Ultimate Rewards® offers available.
Best bonus available: Earn up to $750 cash back
Annual fee: annual_fees
Best bonus online: bonus_miles_full
This welcome bonus is marketed as cash back, but earned as Ultimate Rewards® points.
My take on the Chase Ink Business Cash® welcome bonus
Earlier this year, Chase split the Ink Business Cash® Credit Card welcome bonus into a two-tiered bonus that makes the bonus even easier to earn. You earn $350 after spending $3,000 within 3 months and then another $400 after spending a total of $6,000 within 6 months. (Previously, you needed to spend the full $6,000 within 3 months to earn a $750 bonus.)
Earning $750 after spending a total of $6,000 is a great welcome offer, full stop. But what makes this bonus especially compelling is that the Ink Business Cash card earns Ultimate Rewards® points behind the scenes. That means that you can transfer your points to premium cards like the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card and use the premium redemption options available on those cards for more value.
The card previously offered an additional bonus for small business owners who had checking accounts with Chase, but that ended on November 8, 2024. The card has also previously offered larger bonuses, but the last time the Ink Business Unlimited® Credit Card was increased, the Ink Cash wan’t increased byt a similar amount.
Yes, you can get a small business credit card!
My business (this blog, writing, and consulting) means I can get a small business credit card. But you likely qualify for a small business credit card, even if you work for someone else. Even if you sell things online or on Facebook marketplace occasionally, you probably have a business and can are eligible to get a small business credit card. A hobby that you’re trying to monetize (even a small one) can be a small business!
For my small business, the 5% I earn on the first $25,000 of combined purchases at office supply stores and on internet, cable, and phone services comes in handy.
At a glance: About the Chase Ink Business Cash®
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Cash® Credit Card offers up to 5% cash back rewards in useful business categories like office supply stores, and internet, cable, and phone services.
Sign-up bonus
Best bonus online: bonus_miles_full
This can be by far the most lucrative Chase Ink bonus if you also have a Chase Business Checking account and use the card for your business spending. It is also the easiest Chase Ink bonus to earn.
Rewards
- 5% at office supply stores and on internet, cable, and phone services
on the first $25,000 of combined purchases each account anniversary year. - 5% on Lyft rides through March 31, 2025.
- 2% at gas stations and restaurants
on the first $25,000 of combined purchases each account anniversary year. - 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
In-branch offer: Same as online bonus
We checked on November 18, 2024 for an increased in-branch offer. As of that date, the in-branch offer was the same as the online offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
In-branch welcome offers change from time to time and this information is accurate as of our last check. The in-branch offer may be different or may no longer be available.
What’s the best way to use Ultimate Rewards® points?
With the Ink Business Cash® Credit Card welcome bonus, you’ll earn Ultimate Rewards® points. Here are the best ways to use your points.
- Cash back. You can always use Ultimate Rewards® points for cash back redemptions. You’ll get 1 cent per point for cash back redemptions on any Ultimate Rewards credit card.
- Options available with premium cards. If you hold a premium Ultimate Rewards card, you can a few additional options for using your points. Premium Ultimate Rewards cards include the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card. You can also use the points you earn on your no-annual-fee card for these premium redemption options if you first transfer your points to your premium card.
- Travel through Chase Travel℠. Premium Ultimate Rewards cards offer increased value when you use your points to book travel through Chase Travel℠. You get 25% more value for bookings through Chase Tavel with the Sapphire Preferred or Ink Preferred. And you’ll get 50% more value for bookings made through the Sapphire Reserve card.
- Transfers to airline and hotel partners. All of the Premium Ultimate Rewards cards offer point transfers to travel partners. Transfers to partners offer the opportunity to get outsized value for your points through luxury travel redemptions. Our favorite Ultimate Rewards® transfer partners include Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, United Mileage Plus, Virgin Atlantic Flying Club, and World of Hyatt.
Frequently asked questions
How do I get the $900 Chase Ink Business Cash® bonus?
The $900 Chase Ink Business Cash® welcome bonus was a limited-time offer that last ended in January 2024. The best currently available offer is a tiered bonus offering up to $750 cash back.
Do I have to spend $6,000 to get the Chase Ink bonus?
With the Chase Ink Business Cash® card, you will earn $350 cash back when you spend $3,000 within 3 months. You’ll earn an additional $400 when you spend a total of $6,000 within 6 months.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
