Chase has just increased the sign-up offer with two of its most popular small business credit cards. Both the Chase Ink Business Cash® and the Chase Ink Business Unlimited® now come with a limited-time, best-ever welcome offer: Earn 90,000 Chase Ultimate Rewards points (advertised as $900 cash back) after you spend $6,000 in the first 3 months.
This is a step up from the usual 75,000-point offer, making it one of the most valuable sign-up bonuses available right now.
Why I Love These Two Business Cards
Although Chase markets the bonus as “cash back,” what you’re really earning are Chase Ultimate Rewards points. That’s a huge distinction because points can be worth much more than cash when paired with cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, Ink Business Preferred® or the new Chase Sapphire Reserve for Business card.
When combined and transferred to travel partners like World of Hyatt, United Airlines, Qatar Airways, and Emirates, your 90,000 points can stretch well beyond $900 in value—often worth over $2,000 in travel.
Real-Life Ways I’ve Used 90,000 Chase Points
Here are just a few examples from my own travels:
- Business Class on Qatar Airways Qsuites – one of the best business class experiences in the sky.
- First Class and Qatar QSuites from Dubai during the holiday season.
- The Hyatt Regency Nice along the French Riviera.
- Hotel Martinez in Cannes, part of the Unbound Collection by Hyatt.
And if you’d rather stretch points instead of splurging:
- Hyatt Regency Chicago – a weeklong stay in non-peak season for just 12,000–15,000 points per night.
- Hyatt Vivid Cancun – all-inclusive stays starting as low as 15,000 points per night.
- Hyatt Regency Cartagena, Colombia – rooms often available for 12,000 points per night.
- Add in another aspirational Hyatt option like Andaz Costa Rica Resort at Peninsula Papagayo for incredible value.
Card Benefits & Why They Work Well Together
Ink Business Cash®
- 5x points on the first $25,000 in combined purchases at office supply stores, internet, cable, and phone services.
- 2x points at restaurants and gas stations (on up to $25,000 per year).
- 0% intro APR for 12 months on purchases.
- No annual fee.
Pro tip: I use the 5x categories creatively by purchasing gift cards at office supply stores. This lets me earn 5x on everyday expenses I wouldn’t otherwise—like paying for car insurance, taxes, or even personal care like nails and hair appointments.
Ink Business Unlimited®
- Unlimited 1.5% points on every purchase.
- 0% intro APR for 12 months on purchases.
- No annual fee.
Pro tip: This is my go-to “catch-all” card when a purchase doesn’t fall into a bonus category and I’m not working on a Sign-Up Bonus.
Why This Is the Perfect Time to Apply
This elevated 90,000-point bonus is the best we’ve ever seen for both cards. With no annual fee, 0% APR for the first year, and outsized travel potential through Chase’s transfer partners, these cards are a no-brainer for small business owners.
If you’ve been thinking about applying, now is the time.
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