Chase Ink Business Cash & Unlimited: A Rare 100,000-Point Bonus That Won't Last

If you've been eyeing a business credit card, now's the time to act. Chase has quietly rolled out a massive welcome offer on two of its most popular no-annual-fee business cards: the Ink Business Cash and Ink Business Unlimited. Both are currently offering 100,000 points after you spend $8,000 in the first four months—the highest bonus we've seen on these cards. But here's the catch: this deal is ending soon, and once it's gone, it might not come back at this level for a while.

Why This Bonus Is a Big Deal

Let's put this in perspective. The standard offer on these cards has typically been 75,000 or 90,000 points. Jumping to 100,000 is a 10,000-point bump, but more importantly, it's the highest bonus ever offered on a no-fee business card from Chase. That's $1,000 in cash back (or more if you transfer points to travel partners) just for spending what you'd likely spend anyway on business expenses.

And because there's no annual fee, you're not paying to play. The spend requirement is a bit steeper than usual—$8,000 instead of the typical $6,000 or $7,500—but for a business owner who puts significant expenses on a card, that's manageable. If you don't have that kind of natural spend, you might need to get creative, but more on that later.

What's also interesting is that this offer is available both online and in branch, according to a Chase memo that surfaced. And if you're referred by someone, there's a chance you'll see the same 100k bonus—Chase recently bumped the referrer bonus to 40,000 points, so they're clearly trying to push these cards.

Which Card Should You Choose?

Both cards earn Ultimate Rewards points, but they cater to different spending styles. The Ink Business Cash is the one to grab if you spend a lot on office supplies, internet, cable, and phone services—it earns 5x on those categories, up to $25,000 in combined spending each account anniversary year. That's a huge earn rate for things like your monthly internet bill or a new printer from Staples. It also gets 2x on gas and dining, so it's a solid all-rounder for small business owners.

On the other hand, the Ink Business Unlimited is dead simple: 1.5x on every purchase, no categories to track. If you prefer a flat rate and don't want to think about which card to use, this is your pick. It also earns 5x on Lyft, which is a nice bonus if you use rideshares for business.

Both cards come with a 0% intro APR for 12 months on purchases, which can be handy if you need to make a big equipment purchase and want to pay it off over time without interest. Just remember that the intro APR doesn't apply to balance transfers—those start accruing interest immediately.

The Fine Print You Need to Know

Before you hit apply, there are a couple of things that could trip you up. First, Chase has a lifetime limit on these bonuses. That means if you've ever had the Ink Business Cash, Ink Business Unlimited, or any other Chase business card with no annual fee, you won't be eligible for this bonus. Chase enforces this with a popup warning during the application process, so don't try to game it—you'll just waste a hard inquiry.

Second, the $8,000 spend must be in purchases. That excludes balance transfers, cash advances, and anything that looks like a cash equivalent, like buying gift cards or sending money via PayPal or Venmo. So don't try to hit the spend by buying a bunch of Visa gift cards at the office supply store—Chase is wise to that trick and may not count those purchases.

Third, this offer is ending soon. As of early September, Chase sources indicate the 100k bonus will likely disappear around September 20th, when other Chase changes are happening. If you're on the fence, you might want to decide quickly—once it's gone, you'll be back to a 75k or 90k offer, which is still decent but not as good.

How to Make the Most of the Bonus

If you're approved, your goal is to hit that $8,000 spend without overspending. If you have regular business expenses, that's easy. But if you're short, consider prepaying for things you'll need anyway—like insurance premiums, taxes, or inventory. You can also pay your utility bills with the card if they accept it, though watch out for any convenience fees that might eat into your bonus value.

Once you earn the 100,000 points, don't just cash them out for a statement credit if you travel. Transfer them to Chase's travel partners—like United, Southwest, or Hyatt—where they can be worth significantly more. For example, 100,000 points could get you several nights at a decent hotel or a round-trip domestic flight. If you're not into travel, you can always redeem for cash back at 1 cent per point, which is still a solid return.

And don't forget about the card's ongoing perks. Both cards include a 3-month complimentary Instacart+ membership (with a $20 monthly credit through 2027) and Lyft benefits. These are nice extras, but they're not the main event—the bonus is.

Bottom Line

• 100,000 points is the highest bonus ever on these no-annual-fee business cards—worth $1,000 in cash back or more in travel.
• You must spend $8,000 in the first 4 months, and the offer ends around September 20, 2026.
• Chase's lifetime limit means you're ineligible if you've had any no-annual-fee Chase business card before.
• Choose the Ink Cash if you spend heavily on office supplies, internet, cable, phone; choose the Ink Unlimited for a flat 1.5x rate.
• Avoid cash-like transactions to ensure your purchases count toward the spend requirement.

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