Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Chase Ink Business Cards Are Offering Their Biggest Welcome Bonuses Yet: $900 Cash Back
July 1, 2025
Chase has rolled out impressive limited-time welcome offers on two of their most popular no-annual-fee business credit cards. Starting September 12, 2025, both the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card are offering $900 in bonus cash back after spending $6,000 on purchases in the first three months from account opening.
[[ SINGLE_CARD * {"id": "1099", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Small Business Owners", "headerHint" : "Maximize Cash Back" } ]]
[[ SINGLE_CARD * {"id": "1098", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Small Business Owners", "headerHint" : "No Fee Card" } ]]
What Makes These Offers Special
These elevated bonuses represent significant increases from the previous offers. The Ink Business Unlimited® Credit Card previously offered $750 bonus cash back for the same spending requirement, while the Ink Business Cash® Credit Card had a tiered structure requiring spending across six months. Now both cards offer the same straightforward bonus structure with higher rewards.
The $900 bonus is actually earned as 90,000 Chase Ultimate Rewards points, which can be redeemed for cash back at a value of one cent per point. However, if you also hold a premium Chase Ultimate Rewards card like the Ink Business Preferred® Credit Card or Chase Sapphire Preferred® Card, you can pool your points and potentially get more value through travel partner transfers.
[[ SINGLE_CARD * {"id": "1100", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Business Owners", "headerHint" : "Valuable Rewards" } ]]
[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Exceptional Travel Value"} ]]
Ink Business Cash® Credit Card: Category Rewards Champion
The Ink Business Cash® Credit Card excels for businesses with predictable spending patterns in specific categories. Here's how the rewards break down:
Earning Structure:
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other purchases
Key Features:
- $0 annual fee
- 0% intro APR for 12 months on purchases, then 17.49% - 25.49% variable APR
- Primary auto rental coverage for business travel
- Extended warranty and purchase protection
This card works best for businesses that regularly spend on office supplies, internet services, gas, and dining. The spending caps mean you can earn up to $1,250 in cash back annually on the 5% category and $500 on the 2% categories before dropping to 1%.
Ink Business Unlimited® Credit Card: Simplicity at Its Best
The Ink Business Unlimited® Credit Card takes a different approach with flat-rate rewards that make earning simple across all spending categories.
Earning Structure:
- Unlimited 1.5% cash back on every business purchase
- No spending caps or category restrictions
Key Features:
- $0 annual fee
- 0% intro APR for 12 months on purchases, then 17.49% - 23.49% variable APR
- Primary auto rental coverage for business travel
- Extended warranty and purchase protection
This straightforward approach appeals to business owners who want to earn rewards without tracking categories or worrying about spending limits. The 1.5% rate applies to everything from equipment purchases to professional services.
How These Cards Compare to Competitors
Against Capital One Spark Cash: The Capital One Spark Cash for Business offers 2% cash back on all purchases but comes with a $95 annual fee. While the higher earning rate might seem attractive, you'd need to spend $6,000 annually just to offset the fee compared to the Ink Business Unlimited's $0 fee structure.
[[ SINGLE_CARD * {"id": "10874", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Business Owners", "headerHint": "0 Intro Annual Fee"} ]]
Against American Express® Business Gold Card (See Rates & Fees): The American Express® Business Gold Card offers 4X points in select categories but requires a $295 annual fee. While the earning potential can be higher for heavy spenders in bonus categories, the complexity and fee make the Ink cards more accessible for many small businesses.
[[ SINGLE_CARD * {"id": "111", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Business Owners", "headerHint" : "Versatile Business Tool" } ]]
“Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”
Against Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: This card offers 3% cash back on a category of choice (up to $50,000 annually) with no annual fee. While competitive, the single bonus category is more limiting than the Ink Business Cash's multiple high-earning categories.
[[ SINGLE_CARD * {"id": "191", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Business Owners", "headerHint": "1% Everywhere"} ]]
Which Chase Ink Card Should You Choose?
Choose the Ink Business Cash if:
- Your business regularly spends on office supplies, internet/phone services
- You frequently purchase gas or dine out for business
- You can maximize the 5% and 2% categories within the spending caps
- You prefer higher rewards rates in specific categories
Choose the Ink Business Unlimited if:
- Your business expenses vary across many different categories
- You prefer simplicity over category management
- Your spending exceeds the caps on the Ink Business Cash categories
- You want consistent rewards without tracking spending patterns
Consider getting both cards if:
- You want to maximize rewards across all spending types
- You can meet both welcome bonus requirements
- You qualify for multiple Chase business cards
Application Requirements
To qualify for these Chase Ink Business cards, you'll typically need:
- Good to excellent credit history
- A legitimate business (including sole proprietorships)
- Business tax identification number or Social Security Number
- Reasonable business revenue documentation
Chase evaluates business credit applications based on both personal and business creditworthiness, along with your relationship history with Chase.
Making the Most of Your Welcome Bonus
Meeting the $6,000 spending requirement in three months breaks down to $2,000 per month. Consider these strategies:
- Time the application with quarterly business expenses or equipment purchases
- Pay business insurance premiums or other large recurring costs
- Use the card for inventory purchases if you run a retail business
- Consider prepaying some business services within the spending timeframe
The Bottom Line
These elevated Chase Ink Business card offers provide substantial value for business owners, especially considering that both cards have no annual fees. The $900 welcome bonuses represent some of the highest available on no-fee business cards today. The combination of generous welcome offers, strong ongoing rewards, and valuable benefits like purchase protection and rental car coverage makes these compelling options for small business owners.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos 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.
.webp)
.webp)
.webp)
.webp)
