Update: Offers expired.
Chase released new offers on the card_name and the card_name! This is the highest offer ever seen on these cards!
The Ink Business Cash Credit Card and card_name are both no annual fee cards, which makes the all-time high offer even more valuable.
The new welcome offer
Earn 90,000 points after spending $6,000 within the first 3 months!! Plus, you get 12 months 0% APR on purchases.
High limits being approved
Chase is being extremely generous with the credit limits being approved on the Ink Cash and Ink Unlimited cards. Many applicants were approved for credit limits of $45k-$95k or even higher. You can check out many data points on approvals in our credit card database.
Welcome offer eligibility
You can get both the Ink Cash and Ink Unlimited as they are separate products.
Plus, you can get the Ink Cash and Ink Unlimited cards more than once for different businesses (you need different business tax IDs). And you can get the cards again even for the same business after 24 months from when you got the last bonus.
How can the points be used?
Cashback: The points can be redeemed as cashback for 1 penny per point.
Chase Travel: If you only have the Ink Business Cash Credit Card or the Ink Business Unlimited Credit Card then you can get 1 penny per point for Chase Travel.
If you also have the card_name or the card_name then you can transfer your points from your Ink Business Cash Credit Card or Ink Business Unlimited Credit Card to one of these cards to redeem 1.25 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.
If you also have the card_name then you can transfer your points to the Reserve to redeem 1.5 cents per point on Chase Travel.
Transfer to airline and hotel programs: If you only have the Ink Business Cash Credit Card or the Ink Business Unlimited Credit Card then you cannot transfer your points to any partners.
But if you also have the card_name, Chase Sapphire Reserve, or the Ink Preferred Card, then you can transfer your points to one of these cards and then transfer your points to any of the following Chase Travel Partners.
Airline partners:
Transfer Ratio | Transfer Time | |
Aer Lingus, AerClub | 1:1 | Instant |
Air Canada, Aeroplan | 1:1 | Instant |
British Airways, Avios | 1:1 | Instant |
Emirates, SkyRewards | 1:1 | Instant |
Air France/KLM, Flying Blue | 1:1 | Instant |
Iberia, Iberia Plus | 1:1 | Instant |
JetBlue, TrueBlue | 1:1 | Instant |
Singapore Airlines, KrisFlyer | 1:1 | 12-24 hours |
Southwest, Rapid Rewards | 1:1 | Instant |
United Airlines, MilagePlus | 1:1 | Instant |
Virgin Atlantic, FlyingClub | 1:1 | Instant |
Hotel partners:
Ratio | Transfer Time | |
Hyatt, World Of Hyatt | 1:1 | Instant |
IHG, Rewards Club | 1:1 | 1 day |
Marriott, Bonvoy | 1:1 | 2 days |
Pay Yourself Back: You can also Pay Yourself Back by paying for purchases on your card and offsetting the purchases with points. If you only have the Ink Business Cash Card then you can get 1.1 cents per point. If you also have either the Chase Sapphire Preferred Card or the Ink Preferred Card, then you can get 1.25 cents per point. And if you have the Chase Sapphire Reserve then you can get 1.5 cents per point.
This can only be done on purchases within certain categories, and Chase constantly changes the eligible categories. Current categories till the end of the year are
Chase Sapphire Cards
- Airbnb
- dining
Chase Ink Cards
- Internet and cable
- phone services
Compare the two cards
The only difference between the Ink Cash and Ink Unlimited is in the cards rewards.
These are the rewards you earn with the Ink Cash:
- 5 points on up to $25,000 spent in combined purchases each account anniversary year on office supply stores, internet, cable, and phone services
- 5 points on Lyft rides
- 2 points on up to $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants
- 1 point on all other purchases
And you will earn the following rewards with the Ink Unlimited:
- 5 points on Lyft rides
- Unlimited 1.5 points on all other purchases
The Ink Cash has more to offer, with capped points on office supplies, internet, cable and phone purchases, and on gas and restaurants. But with the Ink Unlimited, you earn 1.5% unlimited points on all purchases.
Is Chase matching the higher offer?
If you recently applied for the card when it still had the 75k offer you can be matched to the higher offer.
Chase has a matching policy of 90 days but we’re seeing offers being matched even after 90 days.
In order to request Chase to match an offer, call the number on the back of your card. You can alternatively send them a secured message (recommended).
It’s better to request the match after you have already completed the spend requirement.
Take note that you will need to meet the spend requirement of the previous offer which has a spend requirement of $7.5k (not $6k like the new offer) if you want to get the 90k offer matched.
How to apply without an LLC or Corp?
Here is how to apply if you do not have a business tax ID.
First, fill out your personal information. Then, once you hit the screen to fill out your business info, here’s how to enter it (some applications might have a slightly different structure but should be similar).
1. Legal business structure: Choose “sole proprietorship”.
2. Legal business name: Write the business name. If the business does not have a name then write your own name, which is actually better as it will help you out later with providing proof of the business name, if requested (you can then send any utility bill that has your name on it).
3. Desired business name on card: Write any name you prefer to be displayed on the card.4. Does your business use another name, like a trade name, assumed name or DBA (Doing Business As)? In most cases the answer is “no”. 5. Tax ID type: Choose “Social security number” and fill out your social security number.6. Is your business’s physical address the same as your personal address? You can answer “yes”
7. Number of employees: Put in as applicable, if it’s 0 write 0.
8. Business phone number: You can put your own phone number.
9. Business established date: Put the date you opened the business (it’s recommended to have a business open for a minimum of one year in order to get approved).
10. Annual business revenue: Put in the net sales of the business (How much money your business has in sales before deducting your expenses).
11. Business category: Fill out whatever type of business you have (for example, if you sell your own knitted hats then your type of business is retail) Do the same in the field where it says “business type” and “subtype”.
Are these cards under the 5/24 rule?
Yes. If you got approved for 5 or more personal cards within the last 24 months then Chase will not approve you. You can learn more about the 5/24 rule here.
Earn a total of 75,000 points. Earn 35,000 points after spending $3,000 within the first 3 months. Plus, earn an additional 40,000 points after spending a total of $6,000 within the first 6 months. Intro 0% APR for 12 months on purchases (after that 18.49% to 24.49% variable). Earn 75,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 18.49% to 24.49% variable). No Annual Fee No Annual Fee – 5 points on up to $25,000 spent in combined purchases each account anniversary year on office supply stores, internet, cable, and phone services – 5 points on Lyft rides
– 5 points on Lyft rides
– 2 points on up to $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants
– 1 point on all other purchases
– Unlimited 1.5 points on all other purchases
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