Chase’s Ink Business Cash, Ink Business Unlimited’s 90K Ultimate Rewards Offers. – Forbes Advisor

You can have your Labubus and meme coins, but when it comes to savvy travel rewards enthusiasts, the hottest thing to collect remains points and miles. And for small business owners who fit into that category, Chase has an offer that’s like Christmas in July. Starting September 12, 2025, eligible new applicants for the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card can take advantage of these welcome offers for each card:

Although both cards are marketed as earning cash back, they technically earn Chase Ultimate Rewards® points, which can be redeemed at a value of a penny a point for cash-back, used to book travel or redeemed for gift cards. 

Those who hold a premium Chase Ultimate Rewards-earning card, like the Ink Business Preferred® Credit Card, Sapphire Reserve for Business℠, Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card can combine their points and transfer them to Chase’s travel loyalty partners. This could make that $900 bonus worth even more with strategic redemptions.

If you’ve been considering adding either of these small business cards to your wallet, now is as good a time as any given the elevated bonuses on these cards. 

The previous offer on the Ink Business Unlimited® Credit Card was: Earn up $750 bonus cash back when you spend $6,000 on purchases in the first three months after account opening.

The previous offer on the Ink Business Cash® Credit Card was: Earn up to $750 bonus cash back: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Bonuses aside, the Ink Business Unlimited is a terrific option for business owners seeking a no-fuss rewards card. Highlights of the card include:

• $0 annual fee
• Earn an unlimited 1.5% cash back rewards on every business purchase
• Get a 0% introductory APR for 12 months on purchases, then a 17.49% to 23.49% variable APR applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies
• No additional fee for employee cards
• Primary auto rental coverage when you rent a car for business purposes, pay for it with the card and decline the rental company’s collision insurance
• Extended warranty coverage and purchase protection

The Ink Business Cash is an ideal starter card for a small business owner whose spending lines up with the card’s elevated rewards. Highlights of the card include:

• $0 annual fee
• Earn 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 and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• Get a 0% introductory APR on purchases for 12 months, then a standard APR of 17.49% to 25.49% variable applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies
• No additional fee for employee cards
• Primary auto rental coverage when you rent a car for business purposes, pay for it with the card and decline the rental company’s collision insurance
• Extended warranty coverage and purchase protection

The Ink Business Unlimited and the Ink Business Cash are nearly identical except for their rewards structure. Choosing which one is best for you comes down to whether the spending categories on the Ink Business Cash match how your business spends or if a card like the Ink Business Unlimited that earns flat-rate rewards is a better fit. Of course, you could always apply for both cards and, if approved, use the Ink Business Cash everywhere it earns 2% or more and use the Ink Business Unlimited Card for all other spending. Card pairings like this help you earn the maximum cash back on every dollar you spend.

Bottom Line

Chase has rolled out generous welcome offers on its Ink Business Unlimited and Ink Business Cash cards. The new cardholder incentives on these two cards are as high as they usually get, so if either card makes sense for you, consider applying while these offers are live, as $900 could buy a lot of furry snaggle-toothed toys or cover other expenses whatever they might be.