LAST CALL: Chase Ink Business Cash®  and Business Unlimited®  90k Bonus Ending 3/21 at 9 AM EST

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Back in October, Chase increased the Chase Ink Business Cash®  and Chase Ink Business Unlimited®  card bonuses to 90k points after spending $6,000 in 3 months. Before that, the standard offer on this card was 75k points after spending $7,500 in 3 months.

Since then, this has been our favorite offer! We hoped it would never come to an end! But Chase has let us know that they are ending this offer on 3/21 at 9 AM EST.

There are a lot of reasons we love the Chase Ink cards.

  • There are two different Chase Ink cards and you can open at least one of each to earn even more Ultimate Rewards. If you have a business with an EIN number, you can even open them with both your EIN and your SSN. Refer these back and forth with your partner to earn referral bonuses!
  • Chase Ultimate Rewards are our favorite flexible rewards currency. They transfer to 11 airline partners and 3 hotel partners. Some of our favorites are Hyatt, Southwest Airlines, and United Airlines. You can check out 9 of our favorite ways to use Ultimate Rewards and download the full list of transfer partners here.


How do I apply?

If your partner or friend has a referral link, apply through their referral link. Chase has updated the referral links so that you can earn a 40k point referral bonus (up to 200k), but the referral link is only generating a 75k offer. If you are referring to a partner, your household will still end up ahead by using the referral offer, but if you are referring to a friend, they will get a lower bonus.

If you don’t have a referral link, we’d appreciate if you’d apply through one of our affiliate links. This helps us keep all our content free.

Chase Ink Business Unlimited® Credit Card – Learn how to apply
  • $0 annual fee
  • Earn $750 after (75,000 points) after you spend $6,000 in 3 months
  • If you have a Sapphire card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!
  • Earn unlimited 1.5% Cash Back rewards on every purchase

Chase Ink Business Cash® Credit Card – Learn how to apply
  • $0 annual fee
  • Earn $750 after (75,000 points) after you spend $6,000 in 3 months
  • If you have a Sapphire card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services eacInh account anniversary year.

What if I don’t have a business?

If you have any sort of side hustle, you probably qualify. We have heard from people in our Facebook group reporting $0 in business income on their application and still being approved. Learn more about applying for a business card without an actual business here. 

How do I fill out the application?

Watch our YouTube video for a step-by-step on filling out on application for a Chase business card.

Do these cards earn cash back or points?

These cards are billed as cash back cards, but they really earn Chase Ultimate Rewards that can be redeemed as cash back. Pair your Ink card(s) with a Chase Sapphire card, and you can transfer your points to any of Chase’s airline and hotel transfer partners. 

What if I don’t have a Sapphire card yet?

Open one of the Chase Ink cards with the elevated bonus now and then you can open a Chase Sapphire Preferred®  or Chase Sapphire Reserve®  card later. You don’t need to have the Sapphire card first.

Chase Sapphire Preferred® Card – Learn how to apply
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • $95 annual fee
  • Ultimate Rewards points can be transferred to a variety of partners like Southwest, Hyatt, United, and more!
  • You can also redeem points through the Chase Travel Portal. 60,000 points = $750 of travel
  • Great option for booking all-inclusive resorts or hotels in Hawaii.
Chase Sapphire Reserve®
  • $550 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 
  • $300 travel reimbursement. This is automatic credit for any hotel, airfare, parking, car rental, etc.
  • Fee reimbursement for Global Entry for 1 person (which is $100). This benefit is available once every 4 years.
  • Airport lounge access for primary card user and 2 guests traveling with them through Priority Pass
  • Premium Trip insurance: If your flight is delayed 6 hrs or more for any reason they will reimburse you up to $500 for hotels, food, etc. — as long as you pay for at least a portion of your fare with the card (like taxes).

What if I don’t have a Sapphire card but my spouse does?

You can call Chase to move your Ultimate Rewards from your Ink card(s) to your spouse’s account so that you can get more value out of them! You can combine points across your household.

Can I have more than one Ink Business card?

Yes, you can have each Ink card for each business. I you have an EIN, you could apply for each card under your EIN and also with your SSN as a sole proprietor. 

Should I open the Business Unlimited or Business Cash card?

If you shop at office stores (Staples and/or Office Max/Office Depot), then you will get 5x at those stores with the Business Cash card. Some people buy gift cards at office stores with their Business Cash card to get the 5x.

If you don’t shop at office stores or don’t want to buy a lot of gift cards, the Ink Business Unlimited is a good choice, earning a flat 1.5 cents per point on most purchases.

I’m not sure I can hit the $6k spend requirement

Check out our tips for meeting a high minimum spend. Pay attention to PayPal Bill Pay, too! You may be able to pay property taxes and other bills with no fee.

Can I put personal expenses on a business card?

Putting personal expenses on a business card is common. Credit card issuers do not report your spending to the IRS, or anyone else, so there are no tax implications of putting personal spend on a business card. However, if you have actual business expenses, it’s your responsibility to track business expenses for tax purposes.

What’s so great about this offer?

Before the current offer, the sign up bonus was 75k points with a $7,500 spend in 3 months. So the current offer will let you get more points for a lower spend!

What if I get denied for the card?

These calls are definitely worth a reconsideration call. Read about reconsideration cards and sign up below ror our reconsideration call script.


When do I need to apply by?

Apply by March 21 at 9 AM EST to take advantage of the elevated bonus. Previously, the standard bonus for these cards was 75k points after spending $7,500 in the first 3 months.

What if the offer ends and my application is pending?

Your bonus will be based on the offer that you applied for, even if the offer has ended. So if you apply on March 20 and your application is denied or pending, if you are later approved you will get the 90k points.

What benefits do these cards include?

In addition to a great welcome bonus, no annual fee, and the usual zero liability protection, the Chase Business Ink Cash and Business Ink Unlimited cards include:

  • Purchase Protection
  • Extended warranty protection
  • Travel and emergency assistance
  • Roadside dispatch
  • 0% APR for 12 months

Note that these cards DO charge foreign transaction fees and DO NOT include travel insurance protections.

What can I do with Ultimate Rewards?

Need some inspiration for how you can use those Ultimate Rewards? Check out our post on our top 9 uses for Ultimate Rewards, and click the images below to get ideas for where your points can take you!

Fly to Europe
Take your family to Hawaii
Stay at an all-inclusive resort
Take your kids to Orlando

Other questions?

Did we miss your question? Leave a comment below or join our Miles & Points for Families Facebook group to post your question.

Editorial Disclosure – Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

2 thoughts on “LAST CALL: Chase Ink Business Cash<em>®</em>  and Business Unlimited<em>®</em>  90k Bonus Ending 3/21 at 9 AM EST”

  1. So these points can only be used for awards if they are transferred to a chase sapphire card? That is – they need to be transferred to ultimate reward points to be used?


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