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If you have a small business or side hustle, it really helps to keep your expenses separate from any personal spending — especially when tax season rolls around. But limiting your business spending to certain credit cards doesn’t just help organize your finances; it can also earn you even more rewards, since the best business credit cards offer bonus points or cash back on common business categories like office supply stores, internet, and phone services.
Two of our favorite business cards — the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card — just brought back their highest-ever welcome offer that can earn you even more than usual for meeting a minimum spending requirement as a new cardholder.
Ink Business Cash® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% – 24.49% Variable
Earn $900 bonus cash back
Recommended Credit
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Product Details
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Ink Business Cash and Ink Business Unlimited elevated welcome offers
Starting today and running for a limited time (we don’t know the end date yet), the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering new cardholders $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.
That’s $150 more in value than the typical welcome bonus. You don’t even have to meet a higher minimum spending requirement to earn this higher bonus.
Which card is right for you?
Both the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card have a $0 annual fee and offer an intro APR of 0% intro APR on purchases for the first 12 months, then 18.49% – 24.49% Variable APR.
But the way the two cards earn rewards is different. If the new welcome offer has you interested but you’re not sure which card is a better fit for you, here’s a rundown of how they differ.
Ink Business Cash® Credit Card
This card earns bonus cash back on different business-related spending categories:
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
You’ll earn 1% cash back on all other purchases, with no cap on what you can earn.
Read our Ink Business Cash card review for more details.
Ink Business Unlimited® Credit Card
Instead of earning bonus cash back on certain spending categories, this card earns 1.5% cash back on every purchase, with no cap on what you can earn.
If you don’t spend a lot at office supply stores and internet, phone, and TV, this earning structure will likely be the better option. It’s also a better option for those who prefer simplicity and don’t want to keep track of bonus categories.
You can learn more in our Ink Business Unlimited card review, and check out our comparison of the Ink Business Cash vs. the Ink Business Unlimited card.
Ink Business Unlimited® Credit Card
Intro APR
0% intro APR on purchases for the first 12 months
Regular APR
18.49% – 24.49% Variable
Earn $900 bonus cash back
Recommended Credit
Good to Excellent
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
Product Details
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
We don’t know how long this elevated welcome offer will stick around, so don’t wait too long to apply if you’re interested!
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