Current Welcome Offers for the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card

These are the current welcome offers for the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card.

Ink Business Cash® Credit Card: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. That's up to $750 bonus cash back (awarded as 75,000 bonus Chase Ultimate Rewards® points).

Ink Business Unlimited® Credit Card: Earn $750 bonus cash back (awarded as 75,000 bonus Chase Ultimate Rewards® points) after you spend $6,000 on purchases within three (3) months of being approved for card membership.

Those bonus points can become even more valuable. As we keep reminding people, you can transfer points between Chase Ultimate Rewards® cards. Three of those cards offer increased redemption rates when purchasing travel through Chase Travel℠:

• Chase Sapphire Reserve®: 1.5 cents per point
• Chase Sapphire Preferred® Card: 1.25 cents per point
• Ink Business Preferred® Credit Card: 1.25 cents per point

So, if you hold a Chase Sapphire Reserve®, you could transfer those bonus points to your CSR.

These cards are subject to the infamous 5/24 rule — meaning that if you’ve been approved for five credit cards within the past 24 months, you probably will be automatically declined.

Card Features

Th Ink Business Unlimited® Credit Card is pretty straightforward: earn unlimited 1.5% cash back (1.5X points) on every eligible purchase. So, assuming you meet the $6,000 minimum spending requirement, you’ll haul in 99,000 total points as part of the promotion. I have this card and use it occasionally for non-bonused category purchases.

The Ink Business Cash® Credit Card features all sorts of earning potential. (My wife and I have this for our small business.)

• Earn 5% cash back (5X points) on the first $25,000 spent in combined purchases each account anniversary year:
  • at office supply stores
  • on internet, cable, and phone services
• Earn 2% cash back (2X points) on the first $25,000 spent in combined purchases each account anniversary year at:
  • gas stations
  • restaurants
• Earn 1% cash back (1X points) on all other purchases

I really like the 5X earnings on internet, cable, and phone services. Getting five points per dollar spent on a cell phone bill is excellent. Same thing with my cable internet service. And it’s nice to get to 5X whenever I hit Office Max or Staples.

(Pro tip: join Payce and activate your offers each month. You may make a little additional cash!)

If you don’t yet hold the Ink Business Cash® Credit Card I suggest you give it a good look — even if it’s for the 5X categories.

“Business Credit Cards?! I’m Out!”

In our experience, many people automatically tune out upon hearing the term “business credit card.”

I don’t have a small business! is the usual excuse.

That might be the case. But many people do have businesses — and don’t realize it.

“Selling stuff on eBay” is a classic example of a small business some people have on the side without even realizing it.

But there are a bunch of other examples:

• Driving for rideshare or delivery companies
• Babysitting
• Creating and selling arts and crafts
• Self-publishing books
• Selling goods on Offer Up, Posh Mark, etc.

Or something like that…there are plenty of examples. You don’t need an established corporation or employer identification number to apply. Your Social Security Number should work just fine.

Yes, you can be employed in a “real” job: a full-time, 9-5 gig (or something like that) — and have a legitimate side hustle that’s a small business.

If you discount small business credit cards simply because you assume you don’t have a business, there’s a strong chance you’ll miss out on hundreds of thousands — if not seven figures — worth of points and miles.