Chase Ink Business current offers: Cash back or transferable points

Editor’s note: This is a recurring post, regularly updated with new information and offers.

If you are a business owner looking to earn rewards on your business purchases, Chase has an excellent lineup of cards suited for almost any business.

The Ink Business Unlimited® Credit Card (see rates and fees) is an easy flat-rate cash-back credit card to use. There’s also the Ink Business Cash® Credit Card (see rates and fees), another great cash-back product with no annual fee.

If you want more bang for your buck, you can convert the cash back earned on the Unlimited or Cash into Ultimate Rewards points if you have a Chase credit card that earns those points, such as the Chase Sapphire Reserve® (see rates and fees), Chase Sapphire Preferred® Card (see rates and fees) or the Ink Business Preferred® Credit Card (see rate and fees).

The Ink Business Premier® Credit Card (see rates and fees) may be a solid cash-back card for your business, but note that it doesn’t allow cardholders to convert the rewards earned into Chase Ultimate Rewards points.

Keep in mind that these are business credit cards. You may be able to get a business credit card even if your side business is still on the smaller side. While you don’t need an established office with multiple employees to apply (meaning freelancers and sole proprietors are also eligible), you will need a business of some sort to apply for these cards.

Let’s run through an overview of each card to see which would be best for your small business.

Related: The best time to apply for these popular Chase credit cards based on offer history

Ink Business Unlimited Credit Card

Welcome bonus: Earn $750 bonus cash back after spending $6,000 in the first three months after account opening. This is the standard welcome offer for this card, but it meets our criteria for when to apply.

Annual fee: $0

Earning rate: 1.5% cash back on all purchases.

Who should apply: The Ink Business Unlimited is a great option for small businesses and sole proprietors who don’t have spending concentrated in specific spending categories. No matter the category, you’ll get a flat 1.5% across purchases.

While it’s not the most lucrative flat-rate option for business owners, it does come in handy if you have Chase Ultimate Rewards points-earning credit cards to turn that 1.5% cash back into 1.5 points per dollar (a 3.1% return, based on TPG’s May 2025 valuations).

To learn more, check out our full review of the Ink Business Unlimited.

Apply here: Ink Business Unlimited

Ink Business Preferred Credit Card

Welcome bonus: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months after account opening.

This bonus is the average offer we see on this card. We’ve seen better offers come in the past, so we recommend waiting to apply. According to TPG’s May 2025 valuations, this welcome bonus is worth $1,845.

Annual fee: $95

Earning rates: Earn 3 points per dollar on the first $150,000 spent in combined purchases across these categories each year: shipping purchases, internet, cable and phone services, travel and advertising purchases with social media and search engines (then 1 point per dollar). You’ll earn 1 point per dollar on all other purchases.

Who should apply: Small-business owners with significant spending in the above bonus categories will be happy to earn up to 450,000 points per year on those purchases. This card also provides direct access to Chase’s hotel and airline transfer partners, so it can stand on its own in your wallet.

To learn more, check out our full review of the Ink Business Preferred.

Apply here: Ink Business Preferred

Related: Who is eligible for the Chase Ink Business Preferred card?

Ink Business Cash Credit Card

Welcome bonus: Earn a total of $750 cash back — earn $350 cash back after spending $3,000 on purchases in the first three months of opening an account, plus an additional $400 cash back after spending $6,000 in the first six months.

While this isn’t the highest offer we’ve seen, this offer meets our standards for when to apply.

Annual fee: $0

Earning rates: 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year and 1% back on all other purchases.

Who should apply: The Ink Business Cash is great for anyone who spends a lot at office supply stores and on internet, cable and phone services. These are common expenses for many small businesses, so most business owners should be able to maximize the Ink Business Cash.

To learn more, check out our full review of the Ink Business Cash.

Apply here: Ink Business Cash

Ink Business Premier Credit Card

Welcome bonus: Earn $1,000 in bonus cash back after spending $10,000 in the first three months after account opening. This isn’t the best welcome offer, so we recommend waiting for a better one before applying.

Annual fee: $195

Earning rates: Earn 2.5% cash back on purchases of $5,000 or more and 2% back on all other purchases.

Who should apply: This card is ideal for small-business owners looking for a card with a flexible spending limit. This card has no fixed credit limit, but you must pay the bill in full each month and cannot carry a balance. If you can meet these criteria, you’ll enjoy the unlimited earning potential on this card.

It’s worth noting, however, that the rewards from this card cannot be combined with Chase Ultimate Rewards-earning cards.

To learn more, check out our full review of the Ink Business Premier.

Apply here: Ink Business Premier

Are these bonuses worth it?

It’s worth getting one of these cards if you have a major purchase coming up that you want to use to earn one of these welcome bonuses, or if you want to take advantage of their earning rates sooner rather than later.

While these cards won’t add to your Chase 5/24 total, you need to be under 5/24 to apply for any cards with Chase. If you’ve opened five or more credit cards (from any bank) in the past 24 months, you will likely be declined when applying.

Business credit cards — or cards with significant welcome bonuses — tend to have higher spending requirements to achieve the bonus. If you can meet that requirement, the welcome bonus is almost always worth the effort.

Related: The ultimate guide to credit card application restrictions

Bottom line

If you can combine your rewards with an existing Ultimate Rewards account, these bonus offers are even more valuable. While you do have to consider 5/24 when applying, it’s certainly worth looking at these current offers.

Most small businesses should be able to hit the spending threshold to take advantage of any of the bonuses. Any of the Ink business credit cards could be a solid addition to anyone’s wallet.

Apply here: Ink Business Unlimited
Apply here: Ink Business Cash
Apply here: Ink Business Preferred
Apply here: Ink Business Premier