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Chase Ink Business Cash and Ink Business Unlimited both jumped to a $1,000 welcome bonus this summer, and the offer is still live. You earn the full $1,000 after spending $8,000 on purchases in the first 4 months from account opening, on either card, with no annual fee.
That is the richest bonus either card has ever offered. The previous high point was $750 after $6,000 in spend, and a short-lived $900 offer ran in the fall of 2025. Here is what changed, how the two cards differ, and how to decide which one fits your spending.
Chase quietly rolled out the higher bonus in June 2026, and it has held steady since. There is no published end date, but past limited-time offers on these cards have typically lasted about two months before reverting to the standard $750 bonus, so it is worth acting while it is available.
The bonus posts as Chase Ultimate Rewards points, even though Chase markets these two cards as cash back cards. On their own, the points are worth 1 cent each toward a statement credit. Pair either card with a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, and you can move those same points to airline and hotel transfer partners instead.
No-annual-fee business cards rarely carry four-figure bonuses. Most competing no-fee cards top out well below $1,000, and Chase itself kept these two cards closer to $750 for most of the past two years. An $8,000 spend requirement is manageable for most small businesses within four months, which makes the effective return on the bonus alone worth roughly 12.5 cents per dollar spent.
Both cards carry the same welcome bonus and the same $0 annual fee, so the choice comes down to how you spend day to day.
If your business spends heavily on office supplies, internet or phone bills, Ink Business Cash usually earns more. If your spending is spread across categories with no clear pattern, Ink Business Unlimited is the simpler pick.
A $1,000 bonus with no annual fee is a rare combination, and it is currently available on two different Chase Ink cards. If you already run the Chase Trifecta or hold a Sapphire card, adding one of these cards lets you earn business rewards you can eventually transfer to airline and hotel partners instead of settling for a flat statement credit.
Check your best credit card options before applying, and confirm you are not close to Chase’s 5/24 threshold, since business cards from Chase still count toward that limit on some reports.
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