Have you ever wondered how some small business owners seem to have a knack for stretching every dollar? I’ve always been fascinated by the clever ways entrepreneurs leverage tools like credit cards to fuel their growth. For me, it’s not just about spending—it’s about spending smart. That’s why I’m diving into the world of Chase business credit cards, which are currently offering a jaw-dropping $900 welcome bonus. If you’re running a side hustle, freelancing, or managing a full-fledged company, these cards could be your ticket to unlocking serious financial perks.
Why Chase Business Cards Are a Game-Changer
Running a business, no matter the size, means juggling expenses, cash flow, and growth opportunities. A well-chosen business credit card can act like a financial Swiss Army knife—versatile, reliable, and packed with benefits. Chase’s Ink Business Cash and Ink Business Unlimited cards are stealing the spotlight right now with their $900 welcome bonuses. But what makes these offers so special, and how can they work for your business? Let’s break it down.
The Power of a $900 Welcome Bonus
Imagine having an extra $900 to reinvest in your business—maybe for new equipment, marketing, or even a well-deserved team lunch. Both the Ink Business Cash and Ink Business Unlimited cards offer this hefty bonus when you spend $6,000 within the first three months of opening your account. That’s a lot of cash back, and it’s not just a one-time deal. These cards are designed to keep rewarding you long after the bonus is earned.
A good welcome bonus is like a head start in a race—it gives you momentum to keep pushing forward.
– Small business financial advisor
The catch? You need to hit that $6,000 spending threshold. For some businesses, that’s a breeze—think inventory purchases or advertising campaigns. For others, it might require a bit of planning. Either way, the reward is worth it, especially since these bonuses are among the highest we’ve seen for these cards.
Ink Business Cash: Rewards for Everyday Spending
The Ink Business Cash card is a no-annual-fee gem that’s perfect for businesses with specific spending habits. It’s like having a loyal sidekick that rewards you for the things you’re already doing. Here’s how it works:
- Earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.
- Get 2% cash back on the first $25,000 spent at gas stations and restaurants each year.
- Enjoy 1% cash back on all other purchases with no limit.
If your business relies on office supplies or telecom services, this card is a no-brainer. I’ve seen freelancers save hundreds just by using it for their internet bills. Plus, the 0% introductory APR for 12 months on purchases gives you breathing room to finance big buys without interest eating into your profits.
Ink Business Unlimited: Simplicity Meets Value
Prefer a straightforward approach? The Ink Business Unlimited card might be your match. It offers a flat 1.5% cash back on every purchase, no categories to track, no limits to worry about. Whether you’re buying inventory, paying for shipping, or grabbing coffee with a client, every dollar spent earns rewards.
What I love about this card is its simplicity. There’s no need to juggle bonus categories or strategize your spending. Plus, like its sibling, it has no annual fee and the same 0% intro APR for 12 months on purchases. It’s a solid choice for businesses that want rewards without the hassle.
Boosting Your Rewards with Chase’s Ecosystem
Here’s where things get really interesting. Pair either of these cards with a Chase card that allows transfers to Ultimate Rewards travel partners, and your $900 bonus could be worth even more. Cards like the Chase Sapphire Preferred or Ink Business Preferred let you convert cash back into points that can be redeemed for travel at a higher value.
For example, transferring points to partners like Southwest Airlines or World of Hyatt can stretch your rewards to cover flights, hotel stays, or even business trips. In my experience, this is where savvy business owners turn a good deal into a great one. It’s like finding a hidden upgrade button for your rewards.
| Card | Bonus Value | Travel Redemption Value |
| Ink Business Cash | $900 cash back | Up to $1,125 with travel partners |
| Ink Business Unlimited | $900 cash back | Up to $1,125 with travel partners |
| Chase Sapphire Preferred | 75,000 points | $937.50 through Chase Travel |
The math checks out—pairing these cards can amplify your rewards significantly. But it’s not just about the numbers; it’s about how these rewards fit into your business goals. Are you traveling for a conference? Book with points. Need cash flow? Redeem for cash. The flexibility is what makes this system so powerful.
Who Qualifies for These Cards?
You might be thinking, “Do I even qualify for a business card?” The good news is, you don’t need a corner office or a team of employees. A side hustle, freelance gig, or even selling handmade goods online can count as a business. Chase is pretty flexible here, which is a huge win for solopreneurs.
That said, you’ll need a good to excellent credit score (typically 670 or higher) to get approved. There’s also the unofficial 5/24 rule to consider—if you’ve opened five or more credit cards in the past 24 months, approval might be tougher. The silver lining? Business cards like these don’t count toward your personal 5/24 limit, so they won’t cramp your style for future applications.
Even a small side hustle can unlock big financial tools. It’s all about knowing what’s out there.
– Financial planning expert
Are These Bonuses Worth the Effort?
Let’s be real—$6,000 in three months sounds like a lot. But for many businesses, it’s doable. Think about your regular expenses: inventory, marketing, utilities, or even client dinners. If you can funnel those through the card, you’re halfway there. Just make sure you’re not overspending to chase the bonus—that’s a rookie mistake.
- Plan your spending: Map out your business expenses to hit the $6,000 mark without stretching your budget.
- Pay on time: Avoid interest by paying off your balance before the intro APR ends.
- Maximize rewards: Use the card for high-reward categories (like office supplies for Ink Business Cash) to keep earning.
I’ve always believed that a good financial tool should work for you, not the other way around. These cards offer value beyond the bonus, with ongoing rewards and no annual fees. They’re built for businesses that want to grow without breaking the bank.
The Fine Print: What to Watch For
No offer is perfect, and these cards have a few quirks. Both have a 3% foreign transaction fee, so they’re not ideal for international purchases. The Ink Business Cash also has spending caps on its bonus categories, so once you hit $25,000 in those areas, you’re back to 1% cash back. And while the 0% intro APR is great, it only applies to purchases—not balance transfers.
My take? These drawbacks are minor compared to the value. Just plan your spending and avoid using these cards abroad unless absolutely necessary. It’s all about playing the game strategically.
How to Apply Like a Pro
Applying for a business credit card can feel daunting, especially if you’re new to the game. But it’s simpler than it seems. You’ll need basic info about your business—think revenue, business type, and your role. If you’re a sole proprietor, your Social Security number doubles as your business ID. Easy peasy.
Here’s a quick checklist to nail your application:
- Gather your business details (name, revenue, years in operation).
- Check your credit score to ensure it’s in the 670+ range.
- Review your recent card applications to stay under the 5/24 limit.
- Apply during a high-bonus period—like now!
Pro tip: Be honest but strategic. If your business is small, don’t inflate numbers—just present it as it is. Chase values transparency, and a straightforward application has a better shot at approval.
Long-Term Value: Beyond the Bonus
The welcome bonus is the shiny lure, but the real magic happens with ongoing use. The Ink Business Cash is a powerhouse for businesses with specific spending patterns, while the Ink Business Unlimited is a set-it-and-forget-it option for those who want simplicity. Both offer Zero Liability protection for unauthorized charges and employee cards at no extra cost, which is a lifesaver for managing team spending.
Perhaps the most exciting part is how these cards fit into a bigger financial strategy. By combining them with other Chase cards, you’re not just earning rewards—you’re building a system that maximizes every dollar you spend. It’s like assembling a puzzle where every piece boosts your business’s bottom line.
Final Thoughts: Act Fast, Win Big
These $900 bonuses are a rare opportunity, but they won’t stick around forever. If your business can handle the spending requirement, the rewards are well worth it. Whether you’re drawn to the Ink Business Cash’s bonus categories or the Ink Business Unlimited’s flat-rate rewards, both cards offer a path to smarter financial management.
In my opinion, the best part of these cards isn’t just the cash—it’s the flexibility. You can reinvest the bonus, redeem for travel, or even treat your team. Whatever your goal, these cards are tools to help you get there. So, what’s stopping you? Jump on this deal before it’s gone.
