If you are looking for 90,000 reasons to pick up more transferable points, you now have two opportunities to do so, as the 90K offers for the Chase Ink Business Unlimited and Ink Business Cash cards are back again.
While the welcome offers have increased, the minimum spend required to achieve them is unchanged at $6,000 each. These are now two of the top six business cards on our Best Offers Page, and each one matches the best welcome offer that we’ve ever seen on both cards.
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 |
|---|
 ⓘ $1254 1st Yr Value EstimateClick to learn about first year value estimates $900 cash back* Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $900 (*awarded as 90,000 points) after $6k spend in 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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 offer 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 September 2027 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart credit See also: Chase Ultimate Rewards Complete Guide |
| Card Offer and Details |
|---|
 ⓘ $1299 1st Yr Value EstimateClick to learn about first year value estimates $900 cash back* Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $900 (*awarded as 90,000 points) after $6k spend in 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great welcome offer for a no annual fee 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 September 2027 Base: 1.5X (2.25%) Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart credit See also: Chase Ultimate Rewards Complete Guide |
Quick Thoughts
I’ve made no secret about my love for the Chase Ink Cash. Our household has four of them and they’re stalwarts of our credit card portfolio due to the 5x earning on office supply stores, internet, cable and phone services. By taking advantage of some office supply stores’ constant sales, you can effectively use them to earn 5x on many expenses.
But pushing that aside, these offers are absolutely bonkers for no-annual-fee cards. Our Reasonable Redemption Values pegs Chase Ultimate Rewards at 1.5 cents each, making each of these 90K bonuses worth over $1300 without factoring in the additional rewards that can be earned from the minimum spend.
Note that Chase advertises the Ink cards as cash back cards, so they advertise $900 cash back — but that bonus is awarded as 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 Sapphire Preferred, Sapphire Reserve, Sapphire Reserve for Bujsiness, or Ink Business Preferred), then you can move points to that card from one of these Ink cards and then onward to partners.
Chase Application Tips
- 5/24 Rule: You most likely will not get approved for a new card if you have opened 5 or more cards (with any bank) within the past 24 months. Most business cards do not count towards that five card total. Business cards that DO count include: TD Bank, Discover and the Capital One Spark Cash Select, Spark Miles and Spark Miles Select.
- 24 Month Rule: If you’ve previously had a card before, you can only get a welcome offer on that card again if you no longer have the card AND if it has been more than 24 months since you last received a welcome offer for that card. This rule does not apply to the Sapphire Preferred and Reserve cards (see below). There can be exceptions with some business cards.
- Sapphire cards: The Sapphire Preferred or Sapphire Reserve cards no longer have a family rule that prevents you from getting one if you currently have the other. However, both now have significant limitations that may prevent you from being eligible for a welcome offer if you've previously had the same card. In that event, you'll get a pop-up window that tells you that you're not eligible before you get a credit check and will ask whether or not you want to proceed with the application without the welcome offer attached.
- Southwest "Family" Rules: Chase applies additional "family" rules to the Southwest cards. You're not eligible for the welcome offer on a personal Southwest card if you currently have one, or if you've received a welcome offer on any personal Southwest card within the last 24 months. This doesn't apply to business cards. You also can't be approved for the Southwest consumer card if you already have one open.
- IHG "Family" Rules: You're not eligible for the welcome offer if you've received a welcome offer on any personal IHG card within the last 24 months. You also can't be approved for another IHG consumer card if you already have one open. You can have both an IHG personal and an IHG business card.
- 2 per month Rule: Most applicants are limited to 2 new cards per 30 days. Business cards are usually limited to one per 30 days.
- Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
- Card Limits: Chase doesn't have a strict limit on the number of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. Because of this, reconsideration can sometimes be successful by moving credit from one existing card to the new card that you want.
- Application Status: Call (888) 338-2586 to check your application status.
- Reconsideration: If denied, call (888) 270-2127 for personal cards, or (800) 453-9719 for business cards, and ask for your application to be reconsidered.
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I just completed and earned the old 75k points on the chase ink unlimited card like 2 weeks ago. Any DPs on if chase will match the 90k?
Promising news:
https://dannydealguru.com/chase-matching-90000-ink-cash-unlimited-signup-bonus/
oh well, got card 45 days ago when the sign up was 75000 🙁
Could still be worth a shot:
https://dannydealguru.com/chase-matching-90000-ink-cash-unlimited-signup-bonus/
Definitely worth messaging and asking for a match. No guarantees, but Chase tends to be one of the most generous banks when it comes to matching new offers for recent applicants. Can’t hurt to ask!
Wonder if they’ll bring back the 120k on the CIP this year
0/2. so sad. ink cards are the only reason i stay under 5/24
Remember to utilize your P1/P2 referrals for an additional 20K points. Effective October 7, Chase will only pay out referral bonuses to “new Chase Business card customers”.