Chase Offers $900 Bonus on Two Top Business Cards
Discover how to maximize rewards with Chase’s limited-time $900 bonus on their top business credit cards.
A great way to earn credit card rewards quickly is by capitalizing on a strong welcome bonus. These introductory offers are often for a limited time, so taking action is key. Currently, two of the best no-annual-fee business cards from Chase are featuring an elevated welcome bonus worth $900.
Both the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card now offer a $900 cash bonus after you spend $6,000 on purchases in the first three months after opening your account. This is a significant increase from their previous offers and matches the highest bonus we've seen for these cards. If you have been considering either card, now is an excellent opportunity to apply.
This post will break down the details of each card, the benefits of the bonus, and what you need to know to qualify.
A Tale of Two Cards: Ink Business Cash vs. Ink Business Unlimited
While both cards share the same impressive welcome bonus and have no annual fee, they cater to different business spending habits.
Ink Business Cash® Credit Card
This card is ideal for businesses with specific spending patterns. It offers tiered rewards, allowing you to earn more in certain categories.
Key Earning Rates:
5% cash back on the first $25,000 spent each account anniversary year in combined purchases at office supply stores and on internet, cable, and phone services.
2% cash back on the first $25,000 spent each account anniversary year in combined purchases at gas stations and restaurants.
1% cash back on all other purchases.
Introductory APR: The card also comes with a 0% introductory APR for 12 months on purchases, which can be helpful for managing large initial expenses.
The Ink Business Cash is a powerhouse if your expenses align with its bonus categories.
Ink Business Unlimited® Credit Card
This card is perfect for businesses that prefer simplicity and have varied spending. It offers a straightforward, flat-rate cash back on every purchase without you needing to track categories.
Key Earning Rate:
Unlimited 1.5% cash back on every purchase made for your business.
Introductory APR: Like its counterpart, it also offers a 0% introductory APR for 12 months on purchases.
The Ink Business Unlimited provides consistent value across all your business spending, making it a simple yet powerful tool.
Maximizing Your $900 Bonus
The $900 welcome bonus is delivered as cash back, but its value can be amplified. If you also hold a premium Chase card that earns Ultimate Rewards points—such as the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card—you can convert your cash back into points.
By transferring your rewards from the Ink Business Cash or Ink Business Unlimited to one of these premium cards, you can then move those points to Chase's airline and hotel travel partners. This strategy often yields a higher value per point than redeeming for cash back, making an already great bonus even more lucrative for travel enthusiasts.
For example, the 90,000 points (equivalent to $900) could be worth significantly more when transferred to programs like World of Hyatt or Southwest Rapid Rewards for high-value redemptions.
How to Qualify for a Chase Ink Business Card
To be approved for either card, you'll generally need a good to excellent credit score (typically 670 or higher). You also need to have an eligible business. Many people are surprised to learn what qualifies as a business. It doesn't have to be a large corporation or a full-time venture.
Activities that can qualify for a business credit card include:
Freelance work (writing, design, consulting)
A side hustle (selling goods online, driving for a rideshare service)
An independent contractor position
These cards are also typically subject to Chase's unwritten "5/24 rule." This means you may not be approved for a new Chase card if you have opened five or more personal credit cards from any bank in the last 24 months. However, an advantage is that these business cards do not usually appear on your personal credit report, so they won't add to your 5/24 count.
Is This Offer Right for You?
This limited-time offer from Chase is one of the most generous available for no-annual-fee business cards. The $900 bonus, combined with valuable earning structures and an introductory 0% APR on purchases, makes both the Ink Business Cash and Ink Business Unlimited compelling options.
Whether you prefer the strategic bonus categories of the Ink Business Cash or the simple flat-rate rewards of the Ink Business Unlimited, now is a fantastic time to add a powerful new tool to your business's financial toolkit.
What do you think about Chase’s $900 bonus? Would you apply, or do you see a catch?
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