Claim $900 With the Chase Ink Business Cash Offer
Chase recently updated eligibility for its no-annual-fee business cards. Learn how to secure the $900 bonus on $6,000 spend.
By MyBizNerd Team · Published
Key Takeaways
- The Chase Ink Business Cash currently offers $900 bonus cash back after spending $6,000 in the first 3 months.
- Business owners can hold multiple Chase Ink cards simultaneously if they apply for different products or for separate legal entities.
- You're eligible for a new bonus if you don't currently have that specific card and haven't received a new cardmember bonus for it in the last 24 months.
- Points earned on these no-annual-fee cards can be transferred to travel partners if you also hold a Chase Ink Business Preferred.
Say you spend $6,000 every quarter on office supplies, internet service, and phone bills for your consulting firm. If you put that overhead on a standard business checking debit card, you get $0 back. By shifting that specific $6,000 spend to a new Chase Ink Business Cash account, you trigger a $900 bonus (verified as of September 14, 2026). This represents a 15% return on your necessary operating expenses before you even count the standard 5% rewards on those categories.
According to The Points Guy, Chase allows you to earn welcome bonuses on both the Ink Business Cash and the Chase Ink Business Unlimited because they're treated as distinct products. Even if you already have one, you can often qualify for the other.
Who This Impacts: The Ownership Test
If you already hold a Chase Ink card, you might think you're locked out of new bonuses. That isn't necessarily the case.
- New Product Applicants: If you have the 'Cash' version, you can generally apply for the 'Unlimited' version and earn the bonus. Each card is a separate line of credit.
- Separate Entities: If you operate a second business with a different Employer Identification Number (EIN), you may be able to open a new account for that specific entity. The IRS provides EINs for various structures, and Chase typically views these as unique applicants.
- The 24-Month Rule: If you closed a specific Ink card more than 24 months ago and no longer have it, you're usually eligible to apply for it again and receive a new bonus.
The Math: Spend vs. Vacation Value
We value Chase Ultimate Rewards at roughly 1.8 cents per point when transferred to partners like Hyatt or United, though the baseline cash value is 1 cent per point. The table below assumes you meet the $6,000 minimum spend requirement within 90 days.
| Monthly Spend | Total Spend (3 Mo) | Points Earned (inc. Bonus) | Redemption Value (Est.) |
|---|---|---|---|
| $2,000 | $6,000 | 96,000 | $1,728 |
| $4,000 | $12,000 | 102,000 | $1,836 |
| $6,000 | $18,000 | 108,000 | $1,944 |
Assumptions: $6,000 spend hits the $900 (90k point) bonus. The remaining spend is calculated at a 1x base rate. Redemption value is based on a 1.8 cent-per-point transfer valuation.
Next 90 Days: Your Action Plan
- Check your '5/24' status. Chase generally won't approve you if you've opened 5 or more personal cards from any issuer in the last 24 months.
- Review your EIN documentation. Ensure your business is properly registered. The Small Business Administration offers guidance on maintaining proper tax IDs for credit applications.
- Audit your upcoming overhead. If you have a large insurance premium or equipment purchase coming up that totals $6,000, that's the time to apply.
- Verify the current offer. Terms change frequently. Check the latest verified offer at Chase Business Complete Banking or the card landing page before submitting.
One Reason to Skip This
Don't chase this bonus if your business carries a monthly balance. The interest rates on these cards will quickly wipe out the $900 gain. These cards are tools for businesses that pay their statement in full every 30 days. If you need long-term financing, look for an SBA loan instead of a high-interest credit card.
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This article is for informational purposes only and does not constitute legal, tax, financial, or professional advice. Laws and regulations change frequently, and the information presented may not reflect the most current legal developments. Always consult with a qualified professional (CPA, attorney, financial advisor) before making business decisions based on this content. MyBizNerd may receive compensation through affiliate links, but this never influences our recommendations.