The Chase Ink Business Unlimited® Card almost never makes headlines. It's the quiet, no-annual-fee workhorse of the Chase business lineup. Right now, though, it's worth a second look.
Chase has bumped the card's welcome offer to $1,000 bonus cash back after you spend $8,000 on purchases in the first four months from account opening. That's a meaningful jump from the $750 offer this card has carried for most of its history, and it lands just as the Chase Sapphire Preferred's 100,000-point offer has expired. If you missed that one, this is a solid consolation prize, and arguably a better fit if you run a business.
Why this offer actually matters
That $1,000 bonus is paid out as 100,000 Chase Ultimate Rewards points, not a flat statement credit. On their own, those points are worth one cent each toward cash back, gift cards, or travel through the Chase Travel portal. That's where most people stop reading and move on.
Here's the part worth paying attention to: if you also hold a premium Ultimate Rewards card, like the Chase Sapphire Reserve or Ink Business Preferred, you can combine point balances. Once pooled, those 100,000 points become transferable to Chase's airline and hotel partners, a full breakdown of which you can find in our Chase Ultimate Rewards transfer partners guide. That turns a $1,000 cash-back offer into a redemption that can realistically be worth $1,800 to $2,000 or more toward business or first class flights and hotel stays.
The card itself holds up too
- Unlimited 1.5% cash back on every purchase, with no bonus categories to track and no spending caps
- Zero annual fee
- 0% intro APR on purchases for 12 months (then a variable 16.74% to 24.74% APR)
- 3% foreign transaction fee, so it's not the card to bring abroad
For freelancers, consultants, and small business owners whose expenses don't fit neatly into bonus categories, that flat rate removes the guesswork other cards demand. If you're weighing this against other no-fee options, our best business credit cards with no annual fee roundup is a good next stop.
Should you apply now
Chase hasn't published an end date for this elevated offer, which usually means it's temporary. If you're planning meaningful business spending in the next few months and can comfortably clear $8,000, there's little downside to a $0 annual fee card with a bonus this size. Apply for the Ink Business Unlimited Card here and pair it with a premium Sapphire or Ink card if you already have one to unlock the full transfer value.
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