Chase Ink 90K offers now available online (only one more week)


Update 1/11/24: Chase has confirmed that the 90k welcome offers on the Ink Business Cash and Ink Business Unlimited cards will be ending on January 18th, 2024 at 9am EST. The referral offer has already gone down to 75K (which is probably where the public offer is headed), but it still behooves those in 2-player mode to do a household referral for a total of 115K points. These offers have been stalwarts on the Best Offers page for some time. If you haven’t grabbed one (or more) yet, do it soon.

~Original post follows~

If you are looking for 90,000 reasons to pick up more transferable points, you now have opportunities to do so both in-branch and online.

If you applied for this under a 75k referral offer and/or the old 75k public offer, we have heard successful date points about being able to match to this new 90k offer. YMMV, of course.

a wallet with a gold insert

The Offers & Key Card Details

For more information about these cards and to find a link to apply, click the card information below to go to our individual card pages.

Card Offer and Details
Up to 75K points ⓘ Affiliate
35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. In addition, 10% Business Relationship bonus if you have the Ink Business Cash and a Chase Business Checking account on your first anniversary.
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
FM Mini Review: This one should be in everyone's wallet. Incredible welcome bonus for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review
Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.
Card Offer and Details
75K points ⓘ Affiliate
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24)
FM Mini Review: Great welcome bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review
Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025
Base: 1.5X (2.25%)
Other: 5X (7.5%)
Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.

Quick Thoughts

The Chase Ink Business Cash and Chase Ink Business Unlimited are both very popular business credit cards that feature no annual fee. The public intro offers on these cards are back to 90,000 points after $6,000 in purchases in the first 3 months.

Earning 90,000 points after $6,000 in purchases in 3 months is a fantastic deal on a card with no annual fee. Note that Chase advertises the Ink cards as cash back cards, so they advertise $900 cash back — but that bonus is awarded in the form of 90,000 Ultimate Rewards points. If you only have one of these Ink cards, then you would be limited to using those points for a statement credit at $0.01 per point (or similar redemptions for gift cards / travel), but if you have a card that allows transfers to partners (like the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred), then you can move points to that card from one of these Ink cards and then onward to partners. That makes this bonus highly valuable since it is easily possible to get 1.5c per point in value or more when transferring to partners.

All that said, I personally wouldn’t apply for one of these 90K offers. That’s because my wife and I both have Ink cards. If my wife wanted to open an Ink Business Unlimited card (for example), I could refer her from my Ink card. The current referral offer would only give her 75,000 points after $6,000 in purchases, but I would get 40,000 points for the referral. We would end up with a total of 115,000 points between us and Chase allows two people in the same household to combine points, so that deal would work out better. Hopefully, we’ll see the referral offer change to match the public offer soon…until then, it’s always worth contact Chase to see if they will match the 90k public offer.

Referral links are now showing the 90k offer, giving the opportunity for an additional 40,000 points for folks in 2-player mode.

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Decided to take try my luck and applied for Ink Unlimited & Ink Cash about 10 days apart. Got instant approval for both. I’m under 5/24 as of August 28, 2023. Zero balance on all my cards. Not sure if being a Chase Private Client helped in getting me approved instantly for both Unlimited & Cash within 10 days.

Application history since September 2023

Ink Preferred approved 09-02-2023 ($8,600 limit)

IHG Business approved 09-03-2023 ($5,000 limit)

Ink Unlimited approved 01-08-2024 ($3,000 limit)

Ink Cash approved 01-17-2024 ($4,000 limit)


Ink Business Preferred still showing at 100K via referral. Does it mean that the offer for this card remains, while Cash and Unlimited going down to 75K?


Tempted to try for one more Ink – would be my 2nd CIU. I’m under 5/24 but it’s only 45 days since my last Chase (biz) card. Velocity concerns? Too quick?


I was approved for 2 of these in 2023 and they’e still open. Any reasons why I shouldn’t try for another in 2024? I am under 5/24, but not by much.


Hey Nick, thanks for the post. I’ve an email from Chase with “apply by January 8th”, while you have Jan 18th. Could you confirm 18th is the date given by Chase ?

Tim Steinke

The 8th date is the one that went out on all of the e-mails, but Chase has confirmed to us that the online offer will go away on the 18th. Whether or not that will affect your eligibility for the offer that you were e-mailed, we couldn’t say. But you should be able to apply online for the 90K offer until the date Chase gave us.

Wanna Travel

So frustrating! I can’t even look at these cards until July-ish because I am at 6/24 until then.


Damn, was waiting to sign up P2 using my referral to a period where a large expense we need to make would still be within the spending period. My referral link now does show a 75k offer. Given people have been successful with matches from Chase, perhaps you can still get it by signing up for the current 75k and asking for the match, especially while it’s still public?


I just sent a referral link to a friend from the Chase app and selecting my Ink Business Cash > Refer a friend. The link offers 100,000 bonus points with Ink Business Preferred or up to $1000 bonus cash back with Ink Business Premier, Ink Business Unlimited or Ink Business Cash. 40,000 referral points for me. Does that 100k bonus pertain to anything other than Ink Business Preferred?

[…] The Chase Ink Cash and Chase Ink Unlimited cards have had a public 90,000 Ultimate Rewards offer for a few weeks, but it’s now also available via referral. The referrer bonus is currently 20,000 Ultimate Rewards, giving you a total bonus of [runs a program on a super-computer] 110,000 Ultimate Rewards in two-player mode.As usual, use a P2 link or another friend’s link to make their day if you’re going to apply. (Thanks to FM) […]

Peter Chapman

I received this email from Chase this morning fo the Ink Unlimited:
Apply by October 10, 2023 and earn $900 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening.*” I am currently 6/24 and P2 could refer me. I also read the terms in the email and there is language that you could be denied the bonus if you used an Ink card in the past just for the bonus. I had Ink Unlimited before, but was asked to cancel it by Chase because I wasn’t using it. I currently have the Ink Plus and Ink Cash, along with the business IHG card.

Peter Chapman

I applied through the link in the email and was denied, assuming because I am 6/24.


Just noticed the current Freedom cards offer includes the standard $200 bonus (20k URs) but in addition, now earns 5x on Gas and Groceries for the first 12 months, up to $12k spend.

Is this offer available for the 5k URs Referral in two-player mode?

Would be nice to have a Flex just in time for the holiday season (easy Q4 categories compared to Q3).


In Q1 this year I was able to use a referral from P2 to get the Freedom Flex with the 5X Grocery bonus while they received 10K points. I don’t know if the newer Gas and Grocery 5X offer can be referred but it definitely worked for just Gas or Grocery before.

The ability to stack 5X with the rotating categories has given multiple 9X earning quarters this year and made the FF a standout for points earning.


Just for a data point, I was approved for Ink Cash on 8/1 and messaged on 9/22 (53 days) and was told I could get the 90k once I hit the spend requirement. Yay!


Me as well, applied 9/12 or so…via referral with the 75K off. Messaged about the 90K offer, was told to message when I hit the 6,000 spend and they would grant me the extra 15,000 to get the 90K bonus.


Any people above 5/24 apply recently?


6/24 denied.

Carmelita Harley

Secure Message for a match and it was a no go. Said I got my bonus in July and therefore not eligible for the match.

Should I keep trying or it’s a lost cause?


that’s probably too far away, but you could wait a few days and try again, can’t hurt..


Can I have more than one of these cards?


Yes, there are data points of people having more than one card.




And just as an FYI… I applied was approved yesterday for my 2nd Ink Unlimited. 🙂