Chase Ink Business Cash and Ink Business Unlimited: $1,000 Bonus, No Annual Fee
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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.
The Offer: $1,000 After $8,000 in Spend
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.
| Card | Welcome Bonus | Spend Requirement | Annual Fee |
|---|---|---|---|
| Ink Business Cash® | $1,000 cash back | $8,000 in 4 months | $0 |
| Ink Business Unlimited® | $1,000 cash back | $8,000 in 4 months | $0 |
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.
Why This Offer Stands Out
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.
Ink Business Cash vs. Ink Business Unlimited
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.
- Ink Business Cash: Earns 5% back at office supply stores and on internet, cable and phone services, and 2% back at gas stations and restaurants, each on up to $25,000 in combined purchases per account anniversary year, then 1%.
- Ink Business Unlimited: Earns a flat 1.5% back on every purchase, with no categories to track.
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.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $750
- Welcome offerAfter $8,000 in 4 months
- $750
Apply Now
on Chase's website
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,000
- Welcome offerAfter $6,000 in 3 months
- $1,000
Apply Now
on Chase's website
Bottom Line
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.
Chase Ink Business Cash and Unlimited Bonus – Frequently Asked Questions
How much is the current Ink Business Cash and Ink Business Unlimited bonus?
Both cards currently offer $1,000 cash back after you spend $8,000 on purchases within the first 4 months of account opening. This is the highest bonus either card has offered.
Do Ink Business Cash and Ink Business Unlimited charge an annual fee?
No. Both cards have a $0 annual fee, which makes the $1,000 bonus pure profit against the cost of holding the card.
When does this offer end?
Chase has not published an end date. Similar limited-time bonuses on these cards have historically lasted around two months, so the offer could disappear without much notice.
Can I get the bonus on both cards?
Yes, if you are approved for both cards and each is a new account, you can earn the $1,000 bonus on each one separately, for a combined $2,000.
Are the rewards earned as cash back or points?
Chase brands the rewards as cash back, but they post as Chase Ultimate Rewards points worth 1 cent each toward a statement credit. Pairing the card with a Sapphire or Ink Business Preferred card unlocks transfers to airline and hotel partners.
Which card earns more, Ink Business Cash or Ink Business Unlimited?
It depends on your spending. Ink Business Cash earns more if you spend heavily at office supply stores or on internet, cable and phone bills. Ink Business Unlimited earns a flat 1.5% on everything, which is simpler if your spending does not fit those categories.
Do these cards count toward Chase’s 5/24 rule?
Ink Business Cash and Ink Business Unlimited generally do not report to your personal credit report, but they can still count against your own 5/24 count when Chase reviews a new application, so check your status before applying.
