(Now Available Via Referral) Chase Ink Cash and Ink Business Unlimited: Best ever 90K offers online


Update 11/8/22: These increased welcome offers on the Chase Ink Business Unlimited and Ink Cash cards are now available via referral links. Referrers get a bonus of 20,000 Ultimate Rewards which means that if your partner refers you from one of their Ink cards, you’ll earn a total of 110,000 bonus Ultimate Rewards between you given the 90,000 bonus points on offer for the person applying for the card. That’s an excellent return and doesn’t even take into account the points earned from completing the minimum spend requirement.

To generate a referral link from an existing Ink card for your friends and family, visit this page on Chase’s website and input your last name, zip code and last four digits of your card number.

n.b. Please don’t leave your referral links in the comments – they’ll get caught by the spam filter and won’t be approved.

Here’s the original post about the increased welcome offers.


Last week, we wrote about higher welcome offers for several Chase cards that were available via non-public (and thus somewhat marginal) links and also in branch. Among these were best-ever 90,000 Ultimate Rewards point offers for the Chase Ink Business Unlimited and the Ink Cash. But, at the time, there was also some scuttlebutt about these increased Chase Ink offers soon becoming publicly available.

The wait’s over.

Last night, both of these massive, 90K offers came online. Not only have the welcome bonuses increased, but the minimum spend required to achieve them was lowered to $6,000 each. These are now two of the top four business cards on our Best Offers Page and I believe that they are also the best welcome offers that we’ve ever seen on a no annual fee card.

The Deal

  • Best ever welcome offers for the Chase Ink Cash and Chase Business Unlimited cards: 90,000 Ultimate Rewards points after $6,000 spend within the first 3 months of card membership

Offers and Key Card Details

Card Offer and Details
Ink Business Cash® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.

Card Type: Visa Signature Business


Earning rate: 5X office supplies ⚬ 5X 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

See also: Chase Ultimate Rewards Complete Guide

Card Offer and Details
Ink Business Unlimited® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: Great signup 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.

Card Type: Visa Signature Business


Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025

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 on gift cards (like this one starting over the weekend), you can effectively use them to earn 5x on any expense that you can use a debit card for.

But pushing that aside, these offers are absolutely bonkers for any card, let alone for two cards that don’t carry an annual fee. 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.

In short, these offers are incredible. If you’re eligible, they are absolutely worth considering.

See our guide to Chase Ultimate Rewards Sweet Spots Here

If you’re in a P2 situation, a household referral would actually provide slightly more total points as referrals currently generate the old 75K offer and the referrer earns an additional 20K points, for a total of 95,000 Ultimate Rewards points. That said, if it were me, I would wait a bit to see if Chase eventually raises the referral offer to match the direct one.

Chase Ink Business Unlimited and Ink Cash Application Tips

Should you apply?

Even though these are business cards, it’s a great choice for anyone interested in earning Chase Ultimate Rewards points. It offers an excellent combination of a great signup bonus, no annual fee, super-valuable points, and solid rewards for all spend. If you are eligible (see next section) and you don’t already have the similar Freedom Unlimited card, you should consider both of these, especially with offers like these available.

Are you eligible?

To get this card you must have a business, and you must be under 5/24 (more on 5/24 below).

With a single business it's possible to sign up for each Chase Ink card and to earn a welcome bonus for each: Ink Business Preferred, Ink Business Cash, Ink Business Unlimited, and Ink Business Premier.
Similarly, if you have more than one business, it’s possible to get the same Chase Ink card and signup bonus for each business you own.  This is true even though the application terms state otherwise: “I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.”  Despite those terms, it's very common for people to successfully sign up up for more than one of the same Ink card across multiple businesses.
Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.


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Can refer myself from a different chase ink card I have? Both the card I have now and the new card would be under my social as sole proprietor. Thanks

Greg The Frequent Miler

I suppose you could but I’d be wary about doing so. I know that Amex cracks down on people self-referring. I can’t remember any stories of Chase doing the same but you never know when they might start.


Can I apply for both of these at the same time? Also I have an Chase Ink Business Plus Card I opened over 5 years ago and never closed, will this affect my chances of approval?

Taylor C

I’m confused about this. Is the offer for $900 cash back or 90,000 points? The referral offer and non-referral application both say $900 cash back.

Taylor C

Ok, perfect. Thanks.

Larry K

Any idea how long this offer will stick around? I go under 5/24 on December 1. If I can wait until then to try to get auto approval I think that I will. Otherwise, can I apply this month but then try to get reconsideration after 12/1 even if the 90k offer is no longer available?


The referral link I received in my email indicates $900 bonus cash back. This matches the current non-referral offer, correct?


Applied for Unlimited last night. It went pending. What is the best way to check on the status? Thank you!


Same question as others on here – if I ALREADY have the Ink Cash (let’s say I got it 5 years ago, so way past 24 months since I got the SUB), and then I close the account TODAY, how long would I have to wait to sign up for the card again to get the 90k SUB? 2 weeks? 30 days? Does FM have any data points on this?


no need to close it. I got both in 2018 or so and got approved for a cic today. Just be under 5/24


Thanks Andy and Tim. So even if I only have one business, I’d qualify for the SUB again using the same business? Weird.


Any chance we could share referral links on FM Facebook group?


I canceled my 3 yr old Chase Ink Business Unlimited card 1 week ago. How much longer should I wait before I apply for a new one?


I applied for business ink UL but got a rejection of “You have too many active accounts or too much available credit”

I have 7 personal chase cards and 2 business (marriott and ink cash)

Think I could call reconsideration line or not test the waters? Would hate to be shut down by Chase.


When i applied for the Hyatt card in October they had me reduce the amount of credit i had on another card. This was after i called the reconsideration line. I’d say give i a try.


How long do i need to wait after getting approved for the ink unlimited to apply for the ink cash?


Will applying and getting rejected reset the 30 day clock or might it be 30 days after a card approval?


I’ve never gotten any Ink Cash or Ink Unlimited SUBs before. However, I have one of each card from CIP product changes a couple of years ago. Would I be eligible for these SUBs? Thanks.


I want to create a business and have a side hustle. I have excellent personal credit history and never had a business CC. I am well under 5/24. In this situation, what are my chances with 0 business income (I know it asks for projected) and essentially <1 month in existence? I wonder what Chase really do with those information if you are truly starting out.

Any thoughts?


Asked Chase nicely through SM if they could match the offer P2 earned in August and they indicated they will add 15K points on the next statement.


Nice company I love them, Every time I call they tell me when to wait to apply.They even told me they knew what I was doing but gave me a BA card this year. 5* people just keep ur FICO high..

Last edited 1 month ago by Cavedweller

I will cancel my 5 yr old Chase Ink Unlimited today. How long should I wait before applying for a new one to be confident that the old card won’t still block me from approval on the new 90k card?
Also how long do you guess we will wait for the p-2 referral 20 bonus to be raised to the 90k card bonus from the old 75k card bonus?


How long do you have to wait before closing a chase ink card before reapplying? I have passed the 24 months to receive sign up bonus again. I just canceled my ink unlimited today.


Thanks Tim, sorry I wasn’t clear. I just canceled it today, I’m trying to figure out how long after I cancel it will it show up in there system that I do not have the ink unlimited anymore, so that I can apply again. I’m way passed the 24 months and yes I’m at like 1 or 2/5 right now.


I already have both of these cards. think I could downgrade the ink unlimited to a 2nd ink cash, then re-apply for the ink unlimited? or better off just going for the CIP despite higher spend required for SUB


Hi, can I call and convert my Chase business preferred ink card (got 80K bonus in 2019) to this cash card and still get 90K bonus after $6k spend? Thanks.


Awesome thanks! How long would you wait to reapply for CIU?


Anyone have this on their referral? Mine still has the old offer.


Wondering the same. If I refer P2, it only shows the 75k offer, which is still better since I’d get a 20k referral bonus so 95k total instead of 90k. of course having a 90k SUB and a 20k referral bonus would be best!

Last edited 26 days ago by kayexalate

So my wife just started being an independent contractor this month. She has a Tax ID/ EIN…. she is billing through insurance and hasn’t received income yet… will she still be able to apply and get approved? Guess it doesn’t hurt to try right?


Nice! Thanks. So I could probably start a business myself this week too.

Christopher Garby

These offers point to $900 bonuses not 90K points, not sure how your calculating this.

Christopher Garby

I guess I don’t have the full info, so since I have a Sapphire card, if I apply for the Ink Business Cash card, when I earn the bonus after spend. Your saying I can transfer the $900 bonus to my Sapphire Ultimate Rewards account and it will convert to 90k points? I just want to understand this cause I haven’t transferred $ to points before and didn’t know you could. Thanks


The points on Ink cards are earned as Ultimate Rewards from the beginning, and there are many ways to use those URs. You can choose to redeem them for cash at 1 cent per point, or you can choose to transfer them to an annual-fee UR earning card (CSP, CSR, or CIP) to take advantage of additional, potentially higher-value redemption options. But they are URs from the start, you a would not be converting cash to points.


Go to the top and Click ” Start Here ” it’s 90% of How to Do is there. Before it was the ” Tool Box ” a Gift to the Newbie’s..Nothing is Simple in this complex Game..ALOHA