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.
November 18, 2024: We visited a Chase branch bank to verify that the current in-branch offer matches the online offer and we’ve updated our article.
The Ink Business Unlimited® Credit Card is a great choice for any small business owner who wants simple cash back rewards, with no annual fee, but the card really shines when paired with other premium cards in the Ultimate Rewards® ecosystem.
Here’s what you need to know about the best Ink Business Unlimited® Credit Card sign up bonus offers.
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: A great card for small business, bigger bonus might require a wait
First off, the Ink Business Unlimited® Credit Card is an excellent card for small businesses. For the rewards and set of benefits you get with the card, it’s hard to beat the price. In most cases, if you’re a small business owner and you want a no annual fee card, the Ink Unlimited is the answer.
And the standard welcome bonus on this card is generous—getting $750 for spending $6,000 on a card with no annual fee is an incredible deal. But as good as it is, it’s hard to get too excited about the current bonus when a larger one just ended.
Chase has historically upped the bonus on this card a few times a year. If you’re willing to wait around, there’s a fair chance that you’ll be able to score a larger bonus some time in the next year, but we have no insider information about that.
In-branch offer: Same as online offer
On November 18, 2024, we were able to visit a Chase branch bank and verify that the bonus offered in-branch matches the online offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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.
When a Chase banker looks for in-branch offers on small business cards, they may not be able to see if there is an increased in-branch offer available on the first screen. Ask the banker to click into the offer details to see the current in-branch offer.
Ink Business Unlimited® Credit Card Referral offer: Earn points for a friend
If you’re an current Ink cardmember, you can refer others to Chase Ink cards and earn points when someone who uses your link gets approved for the card. When we last checked on November 18, 2024, the referral offer for the Ink Business Unlimited® Credit Card matched the bonus that Chase was offering online through other channels and in-branch.
If you have a friend who has an Ink card, by all means, use their referral link.
Even though you won’t get any more points for the sign-up bonus, applying through a referral link can be a great way to help out a fellow small business owner. When you apply through someone’s referral link they can earn points if you are approved in addition to the points you earn from the sign-up bonus.
Are you eligible to earn the sign-up bonus?
Many card issuers restrict new cardmembers from earning a bonus based on account history or the accounts you have open. Here’s how to determine if you’re eligible for the bonus.
- You can currently have this or other Ink cards. While some Chase cards restrict you from earning a bonus if you’ve had the same card or a card in the same family recently, the Chase Ink-branded cards have no such restriction. You can earn the bonus more than once and can earn a bonus if you already hold the same card.
- You are under 5/24. Generally, Chase will only approve you if your credit report shows fewer than 5 new credit card accounts opened in the last 24 months. But some readers have reported being approved while being “over 5/24.” Learn more about 5/24.
At a glance: About the Ink Business Unlimited
Here’s a bit more about the Ink Business Unlimited® Credit Card. For more on the card, see our complete guide to the Ink Unlimited.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Unlimited® offers 1.5% cash back rewards on all purchases for small business owners.
Sign-up bonus
Best bonus online: bonus_miles_full
This welcome bonus is marketed as cash back, but earned as Ultimate Rewards® points.
Rewards
- 5% on Lyft rides through March 31, 2025.
- 1.5% rewards on other purchases made for your business.
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
- Extended warranty protection.
- Purchase protection.
Travel insurance benefits
- Auto rental coverage. (Primary when renting for business.)
- Baggage delay insurance.
- Lost luggage reimbursement.
- Roadside assistance. (Pay per use.)
- Travel accident insurance.
- Travel and emergency assistance.
What’s the best way to use Ultimate Rewards® points?
With the Ink Business Unlimited® Credit Card, you’ll earn Ultimate Rewards® points for the welcome bonus and for your ongoing spending. Here are the best ways to use the points you earn.
- 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.
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.
