Chase Ink Business Cash & Unlimited 90k Welcome Bonuses: Why These No-Fee Cards Should Be in Your Wallet
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EDITORIAL DISCLOSURE:
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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Chase Ink Business Cash® Credit Card: $900 Cash Back (That's Actually 90k Points!) 💰
🚨 NEW ELEVATED OFFER! Earn $900 when you spend $6,000 on purchases in the first three months after account opening
Hold up!! 🛑 Before you scroll past because you think "I don't have a business," let us stop you right there.
Do you sell clothes on Facebook Marketplace? Walk dogs for neighbors? Are an AirBnB Superhost? Create content? Drive for Uber? Deliver DoorDash orders? Congratulations: you have a business! 🎉
Here's the thing that makes this card absolutely chef's kiss: it's marketed as a cash back card, but it actually earns Chase Ultimate Rewards points. So that "$900 cash bonus"? It's really 90,000 Ultimate Rewards points that you can use for SO much more than just cash.
Top Perks:
5% cash back on the first $25,000 spent on office supplies, internet, cable, and phone services each year
2% cash back on the first $25,000 spent at gas stations and restaurants each year
1% cash back on everything else with no limits
$0 annual fee!! (yes, you read that right: ZERO dollars 🤯)
No foreign transaction fees
Who It's For: You've got any kind of side hustle, freelance work, or small business… even if you don't think you do.
Maybe you're that friend who always gets asked to take photos at parties and you make a couple extra bucks (photographer!), or you sell your old designer bags on Poshmark (retail business owner!), or your friends regularly give you some $$ to help with their social media a few times a month (marketing consultant!).
👆 All of these count as small businesses, and means you qualify to open a business card!
Chase Ink Business Unlimited® Credit Card: $900 Cash Back (Again: 90k Points!)
🚨 NEW ELEVATED OFFER! Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
This is the card for people who want to keep things simple but still maximize their rewards. No complicated categories, no spending caps, no mental math required: just straight-up 1.5% cash back on everything.
Top Perks:
1.5% cash back on every single purchase
$0 annual fee!! (again, this is a no-brainer, people!)
No foreign transaction fees
Same 90,000 Ultimate Rewards points welcome bonus as its sibling above
Who It's For: Again, let’s not overcomplicate what it means to “own a business”, mmkay?
Maybe you're the friend who pet-sits for everyone in your neighborhood when they travel (pet care professional!), or you tutor kids in math after school (education consultant!), or you flip furniture you find at estate sales (antique dealer!). 👈 These all count as small businesses, friends!
The Ink Unlimited may be more of your speed if: You want to set it and forget it. You don't want to keep up with bonus categories or track spending limits. You just want one card that gives you solid rewards on literally everything you buy for your business (or side hustle that you're finally ready to admit is a business 👀)
"But I Don't Think I Have a Business..." Let's Talk About That 💼
To make it VERY clear: if you've make money from ANYTHING outside your regular 9-5 job with some consistency, you probably have a business. We’re talking odd jobs like:
Selling clothes/items online (Poshmark, Facebook Marketplace, eBay)
Dog walking or pet sitting
Food blogging or any content creation
Airbnb hosting
Uber or DoorDash driving
Photography (even if it's just for friends and they give you some cash)
Tutoring or consulting
Selling Art or crafts
Real estate
That MLM side hustle (Mary Kay, anyone?)
If any of these sound like you, congratulations: you're a sole proprietor and can apply for a biz card! 🎊
🛟 Need help with the application process? We've got you covered with our complete step-by-step guide for applying to Chase business cards as a sole proprietor.
👉 Click here for our video tutorial of exactly how to fill out this application line-by-line.
Here's the Secret Sauce That Makes These Cards INCREDIBLE 🤫
Remember how we said these cards earn Ultimate Rewards points disguised as "cash back"? Here's where it gets juicy.
While you can absolutely cash out those 90,000 points for $900, you can do SO 👏 much 👏 more 👏 if you have (or get) one of these transfer partner cards:
Chase Ink Business Preferred®
Sapphire Reserve for Business℠ Credit Card
With one of those cards in your wallet (or your spouse's or household member's), you can combine your Ink points and transfer them to Chase's airline and hotel partners like Southwest, United, Hyatt, and Marriott.
Translation? Those 90,000 points could become:
Round-trip flights to Europe on United
4-5 nights at a Hyatt resort
Multiple domestic Southwest flights
SO much more travel than $900 could ever buy
Basically, you're getting premium travel rewards without the premium annual fees.
So...Which One Should You Get?
Plot twist: why choose? After all, you’re allowed to hold both at the same time! With offers this good and no annual fees, both cards deserve a spot in your wallet. (Both of us have BOTH these cards ourselves! 💳)
But if you're starting with just one:
Choose the Ink Business Cash if: You spend money on office supplies, internet/phone bills, gas, or dining. Those 5% and 2% categories can add up!
Choose the Ink Business Unlimited if: You want simplicity and consistent 1.5x points on everything, or your spending doesn't align with the Ink Cash card's bonus categories.
Bottom Line
Chase just handed us two incredible opportunities on a silver platter. $900 welcome bonuses (that are actually worth wayyyyy more as points), no annual fees, and rewards that can take us on our next bucket list trip for next to nothing.
These offers are the kind that make us text our friends at 5am like "STOP EVERYTHING AND LOOK AT THIS CARD OFFER NOW." 📲
Don't sleep on these!! Welcome bonuses this good don't stick around forever, and your future travels will thank you.
Ready to apply? Head to our Best Credit Cards page in the menu bar to snag one (or both!) of these incredible offers. It's 1000% FREE to use our links, and you're helping support all the free content we provide! 🫶
We appreciate you SO much!!
Editorial Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post.