It’s here. The biggest welcome bonus ever seen on the Ink Business Unlimited. One hundred thousand points. And it costs nothing to hold the card.
I don’t believe it myself, mostly because these offers usually come with a catch. An annual fee, a hidden clause, some fine print that buries the value. But not this time. It’s just clean.
The Ink Business Unlimited® sits in that middle tier of the Chase lineup. It’s not flashy, it’s not premium. It’s the workhorse. And for the last few weeks, it’s been offering a deal that looks like a typo.
100,002 points after you spend $8,000 in the first four months.
Chase markets it as $1,000 in cash back. They want you to see dollar signs, simple and flat. If you want boring, sure, you can get the cash back.
But let’s be real.
You don’t keep a Chase Ink card for cash. You keep it for the Ultimate Rewards ecosystem.
If you pair this card with the Sapphire Reserve®, or even the Sapphire Reserve for Business℠, those points transform. They transfer. You move them to United, Southwest, World of Hyatt. Suddenly that “$1,000” isn’t worth a grand anymore. It’s worth $1,700, maybe more if you’re smart about redemption.
That is a massive jump in value. A 70% boost. And it’s sitting there, waiting, on a card that doesn’t charge a single penny in annual fees.
The previous record was 75,000. Occasionally, a 90,000 blip appeared. This is double digits in the hundreds of thousands. It feels aggressive, like Chase is clearing space or trying to wake people up.
So, who actually gets it?
Here is the messy part.
Eligibility isn’t binary. The rules are written with that classic banking vagueness: you may not be eligible if you have previously held this card or any other non-annual fee Chase business card.
They list the Ink Business Cash® Card as the main competitor. If you had that one, you’re likely blocked. If you never held a $0 annual fee Chase biz card? You’re probably in.
Notice the word may.
It doesn’t say won’t. It says may not. Which is infuriating, sure, but there’s a safety net. If you go to apply and the system sees your history, it will pop up a warning. No bonus available.
You don’t hit “submit.” No hard pull happens.
That is the best part about this whole circus. You can test the waters. You apply, the popup appears, you close the tab. Your credit score is untouched.
Also, good news if you have the big guns already. The Ink Business Preferred®, with its $95 fee? The Sapphire Reserve® for Business℠? Having those doesn’t ban you. You can have both. The ban is only on the free-tier peers.
Sole proprietors, you aren’t left out. Just plug in your Social Security number where they ask for the Employer Identification Number. It’s a small hurdle, not a wall.
And yes, the 5/24 rule might trip you. If you opened five new personal cards in the last two years, Chase might say no. But data suggests the business side is fuzzier on this line lately. It’s a soft barrier now, not always a concrete one.
Still, don’t be crazy. Don’t apply for three business cards in one day. Stick to the thirty-day gap rule. Chase hates spam applications almost as much as they hate giving away free points.
Why keep it after the bonus?
The rewards aren’t earth-shattering on paper. 1.5 points per dollar on everything. Always. No rotating categories to chase. No caps to hit.
It’s reliable.
More importantly, it’s one of the few cards with a zero fee that actually gives you primary rental car coverage. Most no-fee cards make you jump through hoops with your insurance. This one steps up. You don’t have to file a claim with your own insurer first. You go to the Chase number. It’s rare. It’s useful.
Is it worth the hassle of a hard inquiry for 1.5 cents? Maybe.
But when there is $1,700 in value hanging at the end of a short spending rope? It changes the math completely.
The bottom line is simple, almost brutally so.
This is a free card. It earns points. It gives you a huge bonus for doing something you might spend anyway. The offer feels temporary, likely to vanish as soon as the accounting department gets cold feet.
If you qualify, the risk is near zero. The potential gain is high.
Do it now, or wait for it to slip away. I won’t tell you what to do, but I will say this.
When a free product offers more than a paid one, something is wrong. Or right. Depending on who you ask.
Probably best not to think too long.
