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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
September 3, 2026 • 8 min read
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Quick summary
Several business credit cards currently offer substantial welcome bonuses for new applicants who meet specific spending thresholds within the first three months.
Options include cards with flat-rate earning structures and others with elevated rewards at select merchants, catering to various business spending patterns.
Some cards allow cash-back rewards to be converted into transferable points if paired with a premium rewards card, increasing redemption value for travel or partner transfers.
Eligibility extends to freelancers, sole proprietors and side-gig operators, but a legitimate business is required to apply.
What to consider
Welcome-bonus eligibility rules may restrict applicants who have previously held certain business cards within the same product family.
Applicants must typically be under a five-card limit for new personal credit cards opened in the past 24 months to qualify.
Some cards' rewards cannot be combined or transferred to a broader rewards ecosystem, limiting flexibility.
What you'll miss from the article
A detailed comparison of each business card's earning structure, eligibility nuances and strategies to maximize welcome bonuses and ongoing rewards.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
And new applicants of either card can currently earn $750 in bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Keep in mind that these are business credit cards. You don’t need a large company with employees to qualify — even freelancers, sole proprietors and those with side gigs may be eligible. However, you will need a legitimate business to apply.
Turn cash back into Chase points
While the Ink Business Unlimited and Ink Business Cash technically earn cash back, you can convert that cash back into Chase Ultimate Rewards points if you also hold a premium card such as a Sapphire card or the Ink Business Preferred® Credit Card (see rates and fees).
(Note that while the Chase Ink Business Premier® Credit Card (see ) is also a cash-back card, its cash back cannot be converted into transferable points.)
Ink Business Unlimited Credit Card
Welcome bonus: Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Who should apply: The Ink Business Unlimited is a great option for small businesses and sole proprietors who don't have spending concentrated in specific spending categories. Regardless of category, you'll get a flat 1.5% on purchases.
While it's not the best flat-rate option for business owners, it does come in handy if you have Chase Ultimate Rewards points-earning credit cards to turn that 1.5% cash back into 1.5 points per dollar spent (a 3.1% return, based on TPG's September 2026 valuations).
5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year, then 1% cash back)
2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year, then 1% cash back)
1% cash back on all other purchases
Who should apply: The Ink Business Cash is great for anyone who spends a lot at office supply stores and on internet, cable and phone services. These are common expenses for many small businesses, so most business owners should be able to maximize rewards with this card.
Welcome bonus: Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
According to TPG's valuations, this welcome bonus is worth $2,050 when you take advantage of Chase's transfer partners. Other redemption options include redeeming your points through Chase Travel℠ and for cash back, but these options offer less value: up to $1,750 (depending on your booking) and $1,000, respectively.
This bonus is one of the better offers we've seen for the card, so any time it's offering at least 100,000 points (as is currently the case) is considered a good time to apply.
Annual fee: $95
THE POINTS GUY
Earning rates:
3 points per dollar spent on shipping purchases, internet, cable and phone services, travel, and advertising purchases with social media and search engines (on the first $150,000 spent in combined purchases across these categories each year, then 1 point per dollar spent)
1 point per dollar spent on all other purchases
Who should apply: Small-business owners with significant spending in the above bonus categories will be happy to earn up to 450,000 points per year on those purchases. This card also provides access to Chase's airline and hotel transfer partners, so it can provide value even without pairing it with another Chase card.
Welcome bonus: Earn $1,000 in bonus cash back after spending $10,000 on purchases in the first three months from account opening.
This has been the standard bonus on this card since it launched in late 2021; we have not seen any elevated offers, so now is a good time to apply.
Annual fee: $195
THE POINTS GUY
Earning rates:
2.5% cash back on purchases of $5,000 or more
2% cash back on all other purchases
Who should apply: This card is ideal for small-business owners looking for a card with a flexible spending limit. That means you must pay the bill in full each month and cannot carry a balance. If you can pay your balance in full each month, you'll enjoy the unlimited earning potential on this card.
It's worth noting, however, that the rewards from this card cannot be combined with Chase Ultimate Rewards-earning cards.
One of these cards could be worth considering if you have a major purchase coming up that you want to use to earn one of these welcome bonuses, or if you want to take advantage of their earning rates sooner rather than later.
While these cards won't add to your Chase 5/24 total, you need to be under that number to apply for any cards with Chase. If you've opened five or more personal credit cards (from any bank) in the past 24 months, you will likely be declined when applying.
Business credit cards — or cards with significant welcome bonuses — tend to have higher spending requirements to achieve the bonus. If you can meet that requirement, the welcome bonus is almost always worth the effort.
Chase has different welcome-bonus eligibility rules across the Ink Business card family.
For the Ink Business Cash and Ink Business Unlimited: If you've previously had either no-annual-fee card, you won't be eligible for the welcome bonus on the other. In other words, having the Ink Business Cash can make you ineligible for the Ink Business Unlimited bonus, and vice versa. This restriction doesn't affect your eligibility for an Ink Business Preferred or Ink Business Premier welcome bonus, provided you're otherwise eligible.
For the Ink Business Preferred and Ink Business Premier: The restriction applies only to the specific card. If you've previously had the Ink Business Preferred, you may not be eligible for another Preferred bonus, but you can still be eligible for the Premier bonus, and vice versa. You can also still be eligible for a Cash or Unlimited bonus if you've never had either no-annual-fee Ink card.
You'll also need to be under 5/24, meaning you've opened fewer than five new personal credit cards across issuers in the past 24 months. While Chase has never publicly acknowledged this rule, they do enforce it.
Finally, you must have some type of business to qualify for an Ink card, since they are business credit cards. You don't need to own a fully-fledged corporation; freelancing, gig work and sole proprietorships may qualify.
Bottom line
If you can combine your Ink rewards with an existing Ultimate Rewards account, these welcome offers can become even more valuable since you'll have access to Chase's airline and hotel transfer partners.
Just make sure you're eligible under Chase's welcome-bonus and 5/24 rules and can comfortably meet the spending requirement without making purchases your business wouldn't otherwise need.
The right Ink card for you will depend on your business's spending patterns and which earning structure best fits your needs.
