What to know about Chase Ink® business credit card sign-up bonuses
Quick insights
- Chase Ink business credit cards often provide a new cardmember welcome bonus offer, also called a sign-up bonus.
- The welcome bonus offer depends on the card and typically requires the new cardmember to meet a spending threshold within the first few months of opening their card.
- Some Chase Ink business credit cards earn Chase Ultimate Rewards® that can be redeemed for cash back, statement credits, travel, gift cards, merchandise and more.
As a savvy business owner, you might already understand the importance of capitalizing on opportunities to make the most out of your credit card rewards. New cardmember bonuses can be a great way to help boost your reward earning potential.
In this article, we’ll explore the benefits and considerations of Chase Ink business credit cards, including welcome bonus offers and some ways you could use them to help add value to your business.
How do card sign-up bonuses work for business credit cards?
Credit card welcome bonus offers are incentives offered by credit card issuers to potential new cardmembers. These bonuses are designed to reward cardmembers for choosing a particular credit card and typically provide additional rewards to the cardmember.
Most sign-up bonuses require the cardmember to meet a specific spending minimum within a predetermined period of time. For example, the card may require $5,000 worth of purchases within a few months of opening the card. Reviewing and understanding welcome bonus offers before you apply for a card can help you determine if meeting the spending requirement is possible.
Things to know about welcome bonuses with Chase Ink business cards
Chase Ink business cardmembers that meet the spending requirements will typically receive the welcome bonus offer within 1 to 2 billing cycles, applied to the rewards account associated with the credit card. For Chase, this platform is called Chase Ultimate Rewards.
Cardmembers can redeem Ultimate Rewards in several ways including travel, cash back, statement credits, gift cards, merchandise and more.
Benefits of welcome bonus offers for business credit cards
A sign-up bonus can translate into real value for your business and allow you to accumulate rewards, leverage them for immediate needs or put them toward future business expenses.
Valuable rewards
Business credit cards often include welcome bonus offers tailored to meet certain business needs. Welcome bonuses can include rewards points or cash back. The accumulated rewards could be used for offsetting business expenses, funding business travel or using cash back to reinvest in your business.
Cash flow
Small businesses may face cash flow challenges at times, especially during the early stages of growth. Sign-up bonuses may help provide cash back or rewards that are relevant to growing your business.
Immediate value
If your business is planning to make a large purchase in the future that could be paid with a credit card, that purchase could go a long way to helping you earn a welcome bonus offer. Remember that any balance that is not paid off by the end of the billing cycle could accrue interest.
Which Chase Ink cards have a sign-up bonus?
The Chase Ink family of cards—which includes the Ink Business Unlimited®, Ink Business Cash®, Ink Business Preferred® and Ink Business Premier® credit cards—all provide a new cardmember welcome bonus offer. However, these business credit cards have different rewards earning potential and perks.
Let’s take a look at the specifics of each card.
Chase Ink Business Unlimited
For businesses that prefer a straightforward reward structure and want to earn on every purchase without tracking categories, the Ink Business Unlimited credit card may be beneficial. Its features include:
- A sign-up bonus after you spend a minimum amount on purchases within the first few months of opening the card
- Unlimited 1.5% cash back on every business purchase
- Low introductory annual percentage rate (APR)
- Low annual fee
- Employee cards at no additional cost
- Account alerts to monitor spending
Chase Ink Business Cash
For businesses that focus spend in high earn-rate categories—like office supply stores and internet, cable and phone services—the Ink Business Cash credit card offers high category earn. It includes the ability to:
- Earn a sign-up bonus after spending a minimum amount on purchases within the first few months of opening the card
- Earn 5% cash back on the first $25,000 spent in combined purchases on internet, cable and phone services and at office supply stores each account anniversary year
- Earn 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year
- Earn 1% cash back on all other purchases
- Low introductory APR
- A low annual fee
- Employee cards at no additional cost
- Account alerts to monitor spending
Chase Ink Business Preferred
For businesses that want a combination of travel and business rewards at a lower annual fee, spending on the Ink Business Preferred card earns flexible Chase Ultimate Rewards points that can be redeemed through Chase or transferred to several partner airlines and hotels.
Additional card perks include:
- Earn a welcome bonus after you meet the minimum spending requirement within the first few months of opening the card
- Earn 3x points on travel, shipping; advertising purchases made with social media sites and search engines; internet, cable and phone services—up to $150,000 combined each account anniversary year
- Earn 1 point per $1 spent on all other purchases
- Employee cards at no additional cost
- Account alerts to monitor spending
Chase Ink Business Premier
The Chase Ink Business Premier credit card is built for established, high-growth businesses and high spenders who want unlimited cash back. It's a pay-in-full card, with the option to revolve a portion of the balance through Flex for Business.
It provides:
- Earn a welcome bonus after you meet the minimum spending requirement within the first few months of opening the card
- Unlimited 2.5% cash back on purchases of $5,000 or more
- Unlimited 2% cash back on all other business purchases
- Unlimited 5% cash back on travel purchased through Chase TravelSM
- Employee cards at no additional cost
- Account alerts to monitor spending
Are business card sign-up bonuses worth it?
Business card welcome bonus offers may be beneficial for businesses that carefully evaluate the terms, responsibly manage their credit and utilize the rewards in a strategic way. You may want to consider these factors when considering a welcome bonus offer:
- Are you able to pay back your balance within a reasonable amount of time?
- Do your general spending habits make the annual fee (if any) worthwhile?
- Have you weighed all aspects of managing a business credit card—not just the size of the welcome bonus offer?
If you’re considering a business credit card, it can be helpful to weigh all aspects of managing that a business credit card, not just the size of the sign-up bonus.
In summary
New cardmember welcome bonus offers for business credit cards may provide rewards that your business can leverage, depending on how the card earns rewards and how they can be redeemed. Chase Ink business credit cards provide a welcome bonus offer that requires a new cardmember meet a spending threshold in a certain amount of time.
Learn more about and explore Chase business credit cards.
