Chase Ink – Chase is offering its highest-ever welcome cash on two no-annual-fee Ink business cards, with new applicants able to earn $1,000 after meeting spending requirements. The offers could be especially valuable for travelers who can convert rewards into Chase Ultim
For anyone running a small business—and planning their next trip around points—these new welcome offers from Chase are hard to ignore.
New applicants to either the Ink Business Unlimited® Credit Card or the Ink Business Cash® Credit Card can currently earn $1. 000 in bonus cash back after meeting the minimum spending requirements. Both cards carry a $0 annual fee. and the $1. 000 welcome cash is the highest welcome offer the market has seen on these two specific cards.
It’s also a reminder that these are business credit cards, not “corporate only” products. You don’t need a large company with employees to apply. Freelancers, sole proprietors, and people with side gigs may be eligible—though you do need a legitimate business to apply.
That business requirement matters less than what comes next: turning cash back into travel value. Both the Ink Business Unlimited and Ink Business Cash technically earn cash back. but the rewards can be converted into Chase Ultimate Rewards points if you also hold a premium card such as a Sapphire card or the Ink Business Preferred® Credit Card (see rates and fees). Points can then be redeemed for travel at elevated rates or transferred to airline and hotel partners.
There’s one clear exception in the Chase family: while the Chase Ink Business Premier® Credit Card (see rates and fees) is also a cash-back card, its cash back cannot be converted into points.
The Ink Business Unlimited is straightforward. The welcome bonus is $1. 000 in bonus cash back after spending $8. 000 on purchases in the first four months after account opening—described as the highest offer the issuer has seen on this card. After that, it earns 1.5% cash back on all purchases. The card is positioned as a fit for small businesses and sole proprietors who don’t have spending concentrated in specific categories.
The appeal becomes sharper if you’re able to turn that 1.5% cash back into points. If you use a card setup that converts to Chase Ultimate Rewards, the cash back can become 1.5 points per dollar—an implied 3.1% return based on TPG’s June 2026 valuations.
The Ink Business Cash takes a different route, rewarding category-heavy day-to-day spending. The welcome bonus is also $1. 000 in cash back after spending $8. 000 on purchases in the first four months after account opening. and it’s described as the best offer the card has seen. Its earning rates are built around common small-business expenses:.
It earns 5% cash back at office supply stores and on internet. cable and phone services on the first $25. 000 spent in combined purchases each account anniversary year. It earns 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year. Everything else earns 1% cash back.
If your business spends heavily in those office supply and communications categories, the Ink Business Cash is designed to help you rack up rewards quickly.
These are not the only Ink offers on the table. The Ink Business Preferred® Credit Card is currently offering 100. 000 bonus points after spending $8. 000 on purchases in the first three months after account opening. According to TPG’s valuations, that welcome bonus is worth $2,050. The card has an annual fee of $95. It earns 3 points per dollar on shipping purchases. internet. cable and phone services. travel. and advertising purchases with social media and search engines on the first $150. 000 spent in combined purchases across these categories each year. then 1 point per dollar thereafter. It earns 1 point per dollar on all other purchases. The card also provides access to Chase’s airline and hotel transfer partners.
The Ink Business Premier® Credit Card has a $1. 000 bonus cash-back welcome offer after spending $10. 000 on purchases in the first three months after account opening. That is described as the standard bonus since it launched in late 2021, and it lists an annual fee of $195. It earns 2.5% cash back on purchases of $5,000 or more and 2% cash back on all other purchases.
Where these offers meet the real-world experience of applicants is in how the welcome bonus depends on timing. spending. and eligibility rules. These cards won’t add to a Chase 5/24 total. but you still need to be under that number to apply for any Chase cards. If you’ve opened five or more credit cards (from any bank) in the past 24 months. you will likely be declined.
Business credit cards—and cards with meaningful welcome bonuses—tend to require higher spending thresholds to earn the bonus. If you can meet the requirement, the welcome bonus is almost always worth the effort.
One practical takeaway is especially relevant for travelers: if you can combine the rewards from these Ink cards with an existing Ultimate Rewards account. the welcome offers can become more valuable. For most small businesses. hitting the spending threshold may be achievable—making these two $0 annual-fee cards a compelling option depending on how your spending lines up.
Chase Ink Business Unlimited Chase Ink Business Cash welcome bonus $1 000 no annual fee business credit cards Chase Ultimate Rewards travel rewards
So you get $1,000 just for signing up? Sounds too good.
I don’t get why they call it a welcome bonus if you have to spend $8k first. That seems like a scam but whatever. Also business cards… do they still approve regular people or only actual companies?
Wait, you can convert the cash back into Chase points if you have a Sapphire? I thought all Chase cards do that automatically lol. And then the Premier one can’t be converted right? So basically you gotta have the right card combo or you’re just stuck with cash back.
The article says highest ever but I swear I saw another offer on TikTok for like $2,000. Is that the same cards or are they mixing it up? Also it’s “no annual fee” but then there’s somehow restrictions… like you need a real business and maybe they check your taxes? idk.