Best-Ever Welcome Offers on Three Chase Business Cards

If you have a business, this is one of the best weeks for business-card offers I can remember. Three cards I love have all raised their welcome bonuses, and the offers on the two no-annual-fee cards might be the best no-fee bonuses I've ever seen.

💵 100K Points or $1,000 Cash Back with $0 Annual Fee

I can't remember the last time I've seen an offer this big on a no annual fee card. Even better, it works whether you want cash back or flexible points, because despite being marketed as cash-back cards, they actually earn Chase Ultimate Rewards® points ($1,000 = 100,000 points). So as long as you also hold an eligible card (e.g., Sapphire Preferred® Card, Chase Sapphire Reserve®, Sapphire Reserve for Business℠, or Ink Business Preferred® Credit Card), you're able transfer points to hotels and airlines as well. That's why I don't think of these cards as purely cash-back and it's exactly why I've had one in my wallet for years.

💳 Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

Learn More to Apply

If you can make use of the bonus categories, this would be my top pick, which is why I'm currently holding it. The Ink Business Cash® Credit Card earns 5% cash back at office supply stores and on internet, cable, and phone services on the first $25,000 in combined purchases each account anniversary year, then 1%. You also earn 2% cash back on dining and gas (also on the first $25,000 in combined spend each anniversary year), then 1%, and 1% on everything else. It even comes with a 0% intro APR for 12 months on purchases. For a no-annual-fee card, a four-figure bonus on top of that category earning is genuinely hard to beat.

💳 Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

Learn More to Apply

This one is simpler, and that's the point. You earn unlimited 1.5% cash back on every purchase, with no categories to track, plus a 0% intro APR for 12 months on purchases. If you'd rather not think about category bonuses at all, this is your card.

💰 A Huge 200,000-Point Bonus

This offer won't be for everyone, but for the right business it can be an amazing card (I know, I have it). 

💳 Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

Learn More to Apply

While the bonus on the Sapphire Reserve for Business℠ is massive, it also has a $30,000 spend requirement, so I'd only look at this if your business can naturally hit that in 6 months of regular spending. If it can, the earning is excellent for the right business: 8x points on Chase Travel℠, 4x on flights and hotels booked direct, and 3x on social media and search engine advertising, which is a standout if you run paid ads. 

While it does have a much higher $795 annual fee, you also get more than $7,000 in total business and travel value in your first year (the 200K points are valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual travel and business benefits).

How to pick

If the 5% categories on the Ink Business Cash® Credit Card line up with your spending, that's probably a great place to start. If you'd prefer simplicity The Ink Business Unlimited® Credit Card is probably a better fit. But if you have a lot of business spending, especially the eligible travel/advertising bonus categories, it's hard to overlook the current offer on the Sapphire Reserve for Business℠.

Not sure you even qualify?

A lot of people assume they can't get a business card because their business doesn't have any established credit, they don't have any employees or they're not set up as a corporation. Usually that's not true, you may be able to apply as a sole proprietor with legitimate business income. Here's my post on the topic: Am I eligible for a business credit card?