Chase Ink Business Unlimited Card: $900 Sign Up Bonus

The new intro offer for the Ink Business Unlimited® Credit Card gets you $150 more back for the same spending requirement as the previous smaller offer. While this is a cash-back business credit card, you earn cash back as Chase Ultimate Rewards points.

You can redeem these Chase points for statement credits, gift cards, and travel (through Chase Travel^SM) and receive a value of one cent per point. So this $900 cash bonus is equivalent to 90,000 Ultimate Rewards points. That’s important to understand because if you pair this card with certain other Chase credit cards and combine your points, you unlock more valuable redemptions.

Travel credit cards such as the Ink Business Preferred® Credit Card or Chase Sapphire Preferred® Card give you a 25% boost in value when you redeem Ultimate Rewards points with Chase Travel^SM. That makes 90,000 Chase points worth $1,125 in travel.

These cards also enable transfers to Chase’s 14 Ultimate Rewards travel partners. So you could combine your points and transfer at a 1:1 ratio to loyalty programs such as Air Canada Aeroplan, United MileagePlus, Southwest Rapid Rewards, World of Hyatt and more. This allows you to book more expensive travel awards with your points. You could realistically stay in a $500+ a night hotel by transferring 30,000 points to World of Hyatt, or book a $3,000+ business-class award flight from the U.S. to Europe by transferring 70,000 points to Air Canada Aeroplan.

The Ink Business Unlimited earns 5% cash back on Lyft rides (through March 31, 2025) and 1.5% cash back on all other purchases. That’s a 50% higher rate of return for non-bonus spending compared to a typical credit card.

There’s no annual fee and you can add employee cards for free. You can also save on interest with a 0% intro-APR on purchases for the first 12 months. Once the intro APR expires, a variable 18.49% to 24.49% APR applies.

Compared to other no-annual-fee business cards, it has a solid list of insurance perks, including:

To qualify for a business credit card, such as the Ink Business Unlimited, you’ll need to have some sort of business venture. However, it doesn’t need to be your full-time career. You may qualify for a business card with a side hustle or freelance work.

You may not need an Employer Identification Number from the IRS to apply for a Chase business credit card. If you’re a sole proprietor, you can use your Social Security Number as your business tax ID.

This card typically requires a good to excellent credit score, and you’ll usually need to be under the unofficial Chase 5/24 rule. That means you’ll have a better chance of getting approved if you’ve opened fewer than five credit cards from any bank in the past 24 months.

If the Ink Business Unlimited doesn’t offer what you’re looking for in a business credit card, there are valuable alternatives.

The Chase Ink Business Preferred® Credit Card has a $95 annual fee but allows point transfers and has an excellent list of 3X bonus categories on up to $150,000 in combined purchases each calendar year. You’ll also get additional benefits such as cell phone insurance, trip delay reimbursement and trip cancellation and interruption coverage.

If a no-annual-fee cash-back card is more up your alley, the Signify Business Cash℠ Card by Wells Fargo can be a good fit. It earns 2% cash back on every purchase and offers a 0% intro APR for 12 months on purchases (after that, a variable 18.49% to 26.49% APR applies). While the Wells Fargo Signify Cash card offers a higher return on every dollar you spend, its welcome bonus is significantly less valuable.

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