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For a limited time, the Chase Ink Business Cash® and Chase Ink Business Unlimited® are offering an all time high bonus of $900 cash back! These are my top 2 favorite business cards. That’s because these no-annual fee cards can convert into my favorite flexible rewards currency: Chase Ultimate Rewards®. You’d have 90,000 Ultimate Rewards points after converting them! Once you convert them, these points transfer to 11 airline partners and 3 hotel partners. Some of my favorites are Hyatt, Southwest Airlines, and United Airlines. You can check out 9 of my favorite ways to use Ultimate Rewards and my complete guide to Ultimate Rewards here.

The cards have a lot of similarities but a few simple differences. 

Bonuses

The bonus on the Ink Cash and Ink Unlimited cards seems to always be the same. Both cards will list a welcome bonus in cash back — like $750 cash back.

Pair your card(s) with a Chase Sapphire Preferred®® card, Chase Sapphire Reserve® or Chase Ink Preferred® card, though, and you can transfer your points to any of Chase’s airline and hotel transfer partners. That $750 cash back will become 75,000 Ultimate Rewards points you can transfer 1:1 to airlines and hotels.

$0 Annual Fee

These cards both come with no annual fee!

Earning Categories

The earning categories are the primary difference on these cards.

Ink Business Cash Earning

Earning Multiple Bonuses on Ink Cards

First – you can open at least one of each of these Ink cards to earn even more Ultimate Rewards.

Next, if you have a business with an EIN number, you can even open each card with both your EIN and your SSN. It is very reasonable to want to keep business expenses separate and Chase understands that.

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.

Application Tips

If your partner has a referral link, apply through their referral link. 

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

Find my affiliate links for both cards here.

See my tips for getting auto-approved on YouTubegetting auto-approved on YouTube getting auto-approved on YouTube .

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 card bonuses are listed in cash back. Technically though, they really earn a version of Chase Ultimate Rewards that can be only be redeemed as cash back. But there is an important exception! Pair your Ink card(s) with a Chase Sapphire Preferred®®, Chase Sapphire Reserve®, or Chase Ink Preferred® 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 now and then you can open a Chase Sapphire Preferred®®, Chase Sapphire Reserve®, or Chase Ink Preferred® card later. You don’t need to have the Sapphire card first.

If your spouse has a Sapphire card and you don’t — 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.

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 if I get denied for the card?

These calls are definitely worth a reconsideration call. Read about reconsideration calls

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% intro APR on purchases for the first 12 months, after that variable APR of 17.99% – 23.99%.

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 our Ultimate Rewards guide for more inspiration. Those 90,000 points could be redeemed for travel to Europe, resorts in Hawaii, all-inclusive stays in the Caribbean, a family road trip, and so much more!