2 Chase business credit cards brought back their highest-ever welcome bonus worth $900 — even mor... - 7 minutes read
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If you have a small business or side hustle, it really helps to keep your expenses separate from any personal spending — especially when tax season rolls around. But limiting your business spending to certain credit cards doesn't just help organize your finances; it can also earn you even more rewards, since the best business credit cards offer bonus points or cash back on common business categories like office supply stores, internet, and phone services.
Two of our favorite business cards — the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card — just brought back their highest-ever welcome offer that can earn you even more than usual for meeting a minimum spending requirement as a new cardholder.
Ink Business Cash® Credit Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 1-5% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% - 24.49% Variable
Intro Offer
Earn $900 bonus cash back
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Intro APR offer for purchases
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No annual fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
Cons
con icon
Two crossed lines that form an 'X'.
Annual cap on bonus categories
Product Details
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
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
Earn 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
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Starting today and running for a limited time (we don't know the end date yet), the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering new cardholders $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.
That's $150 more in value than the typical welcome bonus. You don't even have to meet a higher minimum spending requirement to earn this higher bonus.
These two cards earn cash back, but if you have certain other Chase credit cards that earn Chase Ultimate Rewards points — like the Ink Business Preferred® Credit Card, the Chase Sapphire Preferred® Card, or the Chase Sapphire Reserve® — you can convert your cash back into points to redeem them for travel at a higher value.That means the new welcome offer on the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card could be redeemed as 90,000 Chase points as opposed to $900 in bonus cash. According to our points and miles valuations, Chase Ultimate Rewards points are worth 1.8 cents apiece on average when you redeem them for travel, so you're looking at up to $1,620 in value from the welcome offer. Which card is right for you?Both the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card have a $0 annual fee and offer an intro APR of 0% intro APR on purchases for the first 12 months, then 18.49% - 24.49% Variable APR.
But the way the two cards earn rewards is different. If the new welcome offer has you interested but you're not sure which card is a better fit for you, here's a rundown of how they differ.
Ink Business Cash® Credit CardThis card earns bonus cash back on different business-related spending categories:
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 year2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary yearYou'll earn 1% cash back on all other purchases, with no cap on what you can earn.
Read our Ink Business Cash card review for more details.
Ink Business Unlimited® Credit CardInstead of earning bonus cash back on certain spending categories, this card earns 1.5% cash back on every purchase, with no cap on what you can earn.
If you don't spend a lot at office supply stores and internet, phone, and TV, this earning structure will likely be the better option. It's also a better option for those who prefer simplicity and don't want to keep track of bonus categories.
You can learn more in our Ink Business Unlimited card review, and check out our comparison of the Ink Business Cash vs. the Ink Business Unlimited card.
Ink Business Unlimited® Credit Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% - 24.49% Variable
Intro Offer
Earn $900 bonus cash back
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Intro APR offer
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No annual fee
Cons
con icon
Two crossed lines that form an 'X'.
You can earn more cash back on some purchases with a card that has bonus categories
Product Details
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
We don't know how long this elevated welcome offer will stick around, so don't wait too long to apply if you're interested!
Source: Business Insider
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