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JP Morgan Chase

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Reconsideration Phone
800.453.9719

Breaking Points

September 25, 2023
JP Morgan Chase
Chase Ink Cards Best Ever Offers

- Ink Business Unlimited, $900 Bonus Cash Back after spending $6000 in the first 3 months, $0 annual fee.

- Ink Business Cash, $900 Bonus Cash Back after spending $6000 in the first 3 months, $0 annual fee.

October 31, 2022
JP Morgan Chase
Chase Ink Cash Cards Just Giving Away Cash

When Chase says "Best offer ever" we pay attention:

1. Business Unlimited Ink card, get $900 bonus cash after spending $6000 in 3 months - $0 annual fee.

2. Business Cash Ink card, get $900 bonus cash back after spending $6000 in 3 months - $0 annual fee.

Spend money on the things you already need to buy and cash in after 3 months.


October 31, 2022
JP Morgan Chase
Best offer ever on 2 Chase Cash Ink cards

Both the Ink Business Unlimited Visa and the Ink Business Cash Card have Best Offer Ever deals. Spend $6000 in 3 months and get $900 Bonus Cash back - $0 annual fee on both cards.

November 17, 2020
Chase Ink Business Cash
75,000 Offer on No-fee Chase Ink Cards

The Chase Ink Cash and Unlimited have 75,000 limited time offers for spending $7,500 in 3 months. If you can swing the spend, now is the time to get one of these cards. We particularly love the Chase Cash (which is still points by the way unless you cash them in) with it's really useful 5x spend categories.

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
75,000 $7,500 1.6 ¢ $20 $0 $1340
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 1.5X points on all purchases No CR , 5/24 , Chase 2/30 , Chase 4/6
Most Recent Special Offer: 90,000 Bonus Points for $6,000 spend ended Jan 2024
Card Type: Business

Spend Categories

All Other + »

1.5X points
2.4¢ Per Dollar Spent

Software and Hardware = »

1.5X points
2.4¢ Per Dollar Spent

Department Stores + »

1.5X points
2.4¢ Per Dollar Spent

Gas Stations = »

1.25X points
2¢ Per Dollar Spent

Office Supplies = »

1.5X points
2.4¢ Per Dollar Spent

Shipping = »

1.5X points
2.4¢ Per Dollar Spent

Travel = »

1.5X points
2.4¢ Per Dollar Spent

Wholesale Clubs + »

1.5X points
2.4¢ Per Dollar Spent

Card Benefits

Car Rental Insurance »
Using this card when renting for business gives you primary car rental insurance, and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage abroad.
Purchase Protection »
Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Extended Warranty »
This card extends the time period of the U.S. manufacturer's warranty by 1 additional year, on eligible warranties of 3 years or less.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends No

Travel Partner Transfers

Chase Ultimate Rewards Outside Point System

Transfers Out To
Point Transfer Options
Air Canada Aeroplan

1:1 88% value retained

Point Transfer Options
British Airway Executive Avios

1:1 75% value retained

Point Transfer Options
Cash in Cents

1:1 63% value retained

Point Transfer Options
Flying Blue and Air France

1:1 75% value retained

Point Transfer Options
IHG Rewards

1:1 38% value retained

Point Transfer Options
jetBlue trueBlue

1:1 75% value retained

Point Transfer Options
Marriott Bonvoy

1:1 44% value retained

Point Transfer Options
Singapore KrisFlyer

1:1 81% value retained

Point Transfer Options
Southwest Rapid Rewards

1:1 88% value retained

Point Transfer Options
United MileagePlus

1:1 94% value retained

Point Transfer Options
Virgin Atlantic Flying Club

1:1 94% value retained

Point Transfer Options
World of Hyatt

1:1 100% value retained

Why You Might Want This Card

Nice Card... But Not Our First Choice

Chase Reward points are great. They're easy to transfer, easy to use, and easy to accumulate with the Ink Business Unlimited. You'll get a sign-up bonus of 75,000 points, and then 1.5 points on all your purchases. Use it on everything, no exceptions, then get the best pay out when you transfer all those Business Unlimited Rewards points to a card like the Sapphire Reserve Card (where you'll get a bonus of 50%). If you're an old pro to the points game, you probably have a wallet full of credit cards that charge an annual fee. This card is a great alternative because you can pull it out for non-bonus spending -- and never pay an annual fee.

Of the three Ink cards, this would be our third choice. All are great, but the other two are a little better for most people. The great thing about the Ink cards is a business can have all three. Just space out your applications at least 6 months apart. Check out our Chase Ultimate Rewards page for more details on how to best use Chase Points.

Bottom Line

All things considered, the Ink Business Unlimited card is a great to grab a sign-up bonus -- and then stash away as a back up card for the long haul. Getting 1.5 points on everything is not a bad option if you don't want to manage your spend categories. But there are so many better plays in the card game if you're willing to use some of the tools and information we provide on this site.

Application Rules

This business card will not show on your personal credit report, so it won't count against your 5/24 status

Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months

You'll be declined if you apply for a third Chase card of any kind within 30 days

Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months

Best for Series

Below is a snapshot of where this card performs best compared to the other cards in our database:

Rank 3rd Honorable Mention
Rank 1st Honorable Mention

Breaking Points

September 25, 2023
JP Morgan Chase
Chase Ink Cards Best Ever Offers

- Ink Business Unlimited, $900 Bonus Cash Back after spending $6000 in the first 3 months, $0 annual fee.

- Ink Business Cash, $900 Bonus Cash Back after spending $6000 in the first 3 months, $0 annual fee.

October 31, 2022
JP Morgan Chase
Chase Ink Cash Cards Just Giving Away Cash

When Chase says "Best offer ever" we pay attention:

1. Business Unlimited Ink card, get $900 bonus cash after spending $6000 in 3 months - $0 annual fee.

2. Business Cash Ink card, get $900 bonus cash back after spending $6000 in 3 months - $0 annual fee.

Spend money on the things you already need to buy and cash in after 3 months.


October 31, 2022
JP Morgan Chase
Best offer ever on 2 Chase Cash Ink cards

Both the Ink Business Unlimited Visa and the Ink Business Cash Card have Best Offer Ever deals. Spend $6000 in 3 months and get $900 Bonus Cash back - $0 annual fee on both cards.

November 17, 2020
Chase Ink Business Cash
75,000 Offer on No-fee Chase Ink Cards

The Chase Ink Cash and Unlimited have 75,000 limited time offers for spending $7,500 in 3 months. If you can swing the spend, now is the time to get one of these cards. We particularly love the Chase Cash (which is still points by the way unless you cash them in) with it's really useful 5x spend categories.

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