🚨 Ending Soon - My Favorite No Annual Fee Credit Card Bonuses!
The highest-ever offers on two of my favorite credit cards are ending soon! If you're interested, I recommend applying sooner rather than later!
Both cards also have NO ANNUAL FEE and you don't need a full time business to be eligible.
And here's where it gets even better: that $1,000 welcome bonus can potentially become 100,000 valuable Chase points!
I don’t know of another no-annual-fee card that comes even close to matching these welcome offers! This is the highest offer we have EVER seen on either card!
The Current Welcome Offers (Highest EVER!)
With the Ink Unlimited , you earn unlimited 1.5% cash back — or 1.5x points — on every purchase.
With the Ink Cash, you earn:
5% cash back—or 5x points— on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
2% cash back—or 2x points— on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% cash back—or 1x points—on everything else.
A Few More Reasons I Love These Cards
You get four months to hit the minimum spend and earn the welcome bonus. Many card offers only give you 3 months.
Both cards include 0% intro APR on purchases for 12 months, then a variable APR applies.
Both currently include a complimentary three-month Instacart+ membership and a $20 monthly Instacart credit through December 31, 2027 with enrollment. The membership automatically renews unless canceled.
Frequently Asked Questions
“I don't have a full time business. Can I still apply?”
Yes! You don’t need a full-time business or LLC to qualify!
Follow this step-by-step guide to learn more about applying without a full-time business.
"How does $1,000 cash back become 100,000 points?"
Even though these cards are marketed as cash back you actually earn Chase points!
1.5% cash back = 1.5x points
5% cash back = 5x points
$1,000 cash back = 100,000 points
You can redeem the bonus for $1,000 cash back - OR (and this is where the magic happens) you can combine the the 100,000 points to an eligible transferrable pointsChase card like:
From there, you can transfer your points to travel partners like Hyatt, Southwest, United, Flying Blue, and more — potentially getting much more than $1,000 in travel.
“What if I don't have a transferrable card yet?”
You can earn the bonus now and open an eligible transferable-points card later. Your points don’t expire as long as your account remains open and in good standing.
You may also be able to combine points with one eligible member of your household. If your spouse has a transferable Chase card, you could potentially combine your rewards with their account.
“What can I actually get for 100,000 Chase points?”
100,000 Chase points could potentially get you:
3–4 nights at the Hyatt Regency Maui by transferring to Hyatt.
3–4 one-way economy flights to Europe by transferring to Flying Blue/Air France/KLM.
3 round-trip Southwest flights to Hawaii by transferring to Southwest.
→ See more ideas for using Chase points here
“Can I earn a referral bonus if I refer someone?”
You can only receive a referral bonus on these cards for referring new Chase for Business customers only.
If the applicant your refer already has a Chase business card, you will not receive a referral bonus.
That restriction does not apply to my affiliate links on my website. If you decide one of these cards is right for you, using my link is a huge way to support my small business—and it never costs you anything extra. 💙
Important Eligibility Update:
New terms say the welcome bonus may not be available if you’ve previously had this card or another no-annual-fee Chase business card.
Chase now treats these two cards as a single family for bonus eligibility — meaning if you've earned a welcome bonus on one, you may not be eligible for the bonus on the other using the same business. If you're applying for the first time, I recommend starting with your sole proprietor side hustle.
If you own multiple businesses, there may be a path to earning both bonuses or another bonus on the same card. Data points are showing the best chances of approval for a second card come from applying with a separate business that has an LLC and EIN number.
Personal data point: I currently have two of the exact same Ink card—one for my sole-proprietor business that I opened a few years ago and one I opened a few months ago under my LLC.
My Take
I don’t know many people in the points-and-miles world who don’t have at least one of these cards. How’s that for an “everyone is doing it” argument? 🤣
A $1,000—or potentially 100,000-point—welcome offer on a card with no annual fee is honestly hard to beat.
If you’re interested, I recommend applying NOW!
As always, I appreciate it so much when you use my credit card affiliate links to apply for a new credit card! It supports my small business at no cost to you!
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The Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card just hit their highest-ever welcome offers — and neither one has an annual fee. Here's everything you need to know, including how to turn that cash back into travel that's worth way more than $1,000.