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September 5, 2024: The elevated new cardmember welcome bonus offer on the Ink Business Unlimited® Credit Card has now launched online. The current bonus matches the best-ever offer on this card. Newly generated personal referral links are also showing the updated offer. Details are below.
In this article, we cover the best sign-up bonus offers available on the Ink Business Unlimited® Credit Card.
Best bonus: $900 after spending $6,000 in 3 months
Best bonus online: bonus_miles_full
On September 5, 2024, Chase launched the bonus above online. This is the best-ever sign-up bonus on this card.
Current Ink Business Unlimited® Credit Card sign-up bonuses
Chase markets its credit cards through multiple channels and the sign-up bonus you are offered can often vary depending on where you apply. Here’s an overview of the current sign-up bonuses available on the Ink Business Unlimited® Credit Card. More on each of these bonuses is below.
| Channel | Sign-up bonus | |
|---|---|---|
| Online | bonus_miles_full Always current—updated from our affiliate data feed. | |
| Personal referral link | Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening. Last checked: September 5, 2024 | |
| In-branch offer | Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening. Last checked: August 27, 2024 |
Other than the affiliate offer above, all information about the Ink Business Unlimited® Credit Card has been collected independently by cardsandpoints.com.
Online offer: $900 cash back after $6,000 of spending
The current online offer on the Ink Business Unlimited® Credit Card is: bonus_miles_full Learn how to apply.
This offer now matches the previous in-branch exclusive offer, so you can apply online knowing that you’re getting the best offer. If you’ve applied for this offer in the past few weeks, be sure to contact Chase to see if they will match the new online offer. Chase will usually match the current offer through the same channel if you request a match within 30 days of applying.
In branch offer: $900 after $6,000 of spending
Chase previously offered this welcome bonus as an in-branch exclusive offer, but on September 5, 2024, Chase launched this same offer online.
On August 27, 2024, we confirmed that Chase branches were offering $900, awarded as 90,000 Ultimate Rewards points, after $6,000 of spending within the first 6 months of having the card.
When a Chase banker looks for in-branch offers on small business cards, they may not see that 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.
Referral offer: $900 after $6,000 of spending
If you have a friend who already has a Chase Ink business credit card, they can earn points when you get a new card for your small business. As of September 5, 2024, Chase referral links are now showing the best available offer on the Ink Business Unlimited® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
If you have a friend, partner, or spouse, applying through a referral link is the best way to maximize the total number of points you’ll earn. Here’s how this works out with the current referral bonus:
- You earn $900 bonus cash back after meeting minimum spending (90,000 Ultimate Rewards points.)
- Your friend earns 20,000 bonus points for referring your business.
- The total number of points you can earn together is 110,000.
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.
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
On September 5, 2024, Chase launched the bonus above online. This is the best-ever sign-up bonus on this card.
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.
A few interesting notes about this sign-up bonus
Could the $900 bonus cash back on the Ink Business Unlimited® Credit Card be here to stay? Personally, I think so. Here’s why…
Usually when Chase increases a sign-up bonus on its cards, they will have language on their website about the offer being a “limited time offer.” However this language is conspicuously absent from this bonus. Also, the launch of this bonus online coincides with Chase lowering the bonus that people who refer others to Chase cards get.
The combination of these two things makes me think that this bonus is the new “business-as-usual” bonus on the Ink Unlimited, but time will tell if my speculation is correct.
Frequently asked questions
The bonus says $900, but I thought the card earned Ultimate Rewards®.
Yes. This card earns Ultimate Rewards® points, which can be combined across all of your Ultimate Rewards-earning cards. However, the card is marketed as a cash back card, so you’ll always see $900 as the welcome bonus.
How do I get the $900 Chase Ink sign-up bonus?
The $900 Chase Ink sign-up bonus is now available online as well as in-branch. Apply through the links on this page to earn a bonus.
Can I get a more than one Ink card?
It is certainly possible to be approved for more than one Chase Ink credit card. You have four cards to choose from: Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card, Ink Business Preferred® Credit Card, and Ink Business Premier® Credit Card. There is no rule preventing you from holding multiple Ink cards, but at some point Chase will limit the amount of credit it is willing to extend to you.
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Read more about the Chase Ink Business Unlimited®
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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.
