Claim Your $2,000 Chase Bonus Before Sept 17
Chase is ending its 100,000-point bonus on the Ink Business Cash and Unlimited cards on September 17. See how to turn $8,000 in spend into $2,000 in travel.
By MyBizNerd Team · Published
Key Takeaways
- The 100,000-point elevated signup bonus for the Chase Ink Business Cash and Business Unlimited cards expires on September 17, 2024, at 9:00 AM ET.
- You must spend $6,000 on the Ink Business Cash or $6,000 on the Ink Business Unlimited within three months of account opening to trigger the bonus.
- These points are worth $1,000 as cash back but can reach a value of $2,000 or more when transferred to travel partners like Hyatt or United.
- Both cards carry a $0 annual fee, making them low-risk tools for long-term business cash management and rewards accrual.
- Check your total business spend for the next 90 days across insurance and inventory (plus utilities).
- Verify you haven't opened five or more personal credit cards in the last 24 months.
- Apply before the 9:00 AM ET deadline on September 17 to lock in the six-figure point haul.
A local landscaping crew in Austin needs a new commercial zero-turn mower costing $8,500. If they put that purchase on a standard 1% cash-back card, they get $85 back. By timing the purchase with the current Chase Ink offer, that same spend triggers a 100,000-point bonus worth at least $1,000. They missed out on over $900 because they didn't track the deadline. According to reports from Doctor of Credit, this specific elevated offer for the Chase Ink Business Cash and Chase Ink Business Unlimited ends September 17.
This deadline hits two groups of owners differently.
, if you have the Cash, you can apply for the Unlimited) to earn a second bonus, provided your business structure and credit profile support it. For those considering their first business card, this is likely the highest bonus you'll see for these specific $0-annual-fee products this year. The standard offer usually hovers between 60,000 and 75,000 points. Passing on this now means leaving 25,000 to 40,000 points on the table for the exact same spending requirement.
For an LLC or S-Corp, these rewards are generally not considered taxable income by the IRS, as they're viewed as a discount on business purchases rather than a windfall. You can find general guidance on business expenses and credits at IRS.gov. However, how you use those points determines if you get $1,000 in value or $2,000. If you simply take the cash back, you get a flat 1 cent per point. If you also hold a 'premium' card like the Ink Business Preferred or a personal Sapphire Reserve, you can move these points to those accounts and then to partners. Transferring 100,000 points to Hyatt could cover four nights at a Category 6 property like the Andaz London Liverpool Street, where rooms often retail for $500 a night. Make your vocation your vacation by using the overhead you already have to pay.
| Spend Category | Monthly Spend | Total Points (w/ Bonus) | Travel Value (at 2cpp) |
|---|---|---|---|
| Inventory & Supplies | $2,000 | 106,000 | $2,120 |
| Utilities & Telecom | $500 | 101,500 | $2,030 |
| Digital Advertising | $3,500 | 110,500 | $2,210 |
If you decide to move, do it with a clear plan for the $6,000 spending requirement. Don't manufacture spending or buy things your business doesn't need just to hit a bonus. The interest rates on these cards are high enough to wipe out the reward value instantly if you carry a balance. Check your credit score at the Consumer Financial Protection Bureau before applying to ensure your profile is healthy enough for a new line of credit. (Disclosure: we may earn a commission if you sign up through our links.)
Skip this offer if you're planning to apply for a major mortgage or SBA loan in the next 60 days, as the hard inquiry and new debt line could complicate your debt-to-income ratios during underwriting. Otherwise, look at your Q4 projections today. If you have $6,000 in unavoidable costs coming up, there's no reason to let Chase keep those 100,000 points.
Apply before the Tuesday morning cutoff to ensure the higher offer is still live on the landing page.
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