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Ink Business Unlimited® Credit Card: Earn $900 Bonus Cash Back After You Spend $6k in the First 3 Months Expired

+56 Deal Score
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Chase is offering $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening with the Ink Business Unlimited® Credit Card. The annual fee is $0.

Card Details:


Read our review on the Ink Business Unlimited® Credit Card

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Original Post

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Edited November 6, 2024 at 05:38 PM by
Chase is offering $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening with the Ink Business Unlimited® Credit Card. The annual fee is $0.

Card Details:
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Read our review on the Ink Business Unlimited® Credit Card

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384 Comments

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Featured Comments

You can. You just need to put your ssn and sole proprietorship as the business type and only you as the employee
Something's wrong with this deal description, says $95 annual fee and immediately after, No annual fee.

I think someone got their wires crossed between Ink Preferred and Ink Unlimited. Which one is the increased SUB actually for?
You don't need to. You can own a business with your ssn as sole proprietorship type. There is nothing faking about it. You can intend to start something and start slow after getting the card as well.

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Joined Sep 2017
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> bubble2 99 Posts
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VjXBSparta
09-19-2024 at 11:11 PM.
09-19-2024 at 11:11 PM.
Quote from t.i. :
Do you need a DBA?
No, not required. If you are opening as a sole proprietorship business type, you can open with your own name.
Reply
Last edited by VjXBSparta September 19, 2024 at 11:19 PM.
Joined Nov 2015
New User
> bubble2 14 Posts
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azzure_26
09-19-2024 at 11:27 PM.
09-19-2024 at 11:27 PM.
Can you do this for multiple businesses?
Reply
Joined Sep 2017
L2: Beginner
> bubble2 99 Posts
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VjXBSparta
09-19-2024 at 11:30 PM.
09-19-2024 at 11:30 PM.
Quote from azzure_26 :
Can you do this for multiple businesses?
Yes sure you can do. If you have different EINs for each.
Reply
Joined Dec 2008
L5: Journeyman
> bubble2 996 Posts
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toddwz
09-20-2024 at 02:58 AM.
09-20-2024 at 02:58 AM.
I applied for this card, and then appliced for EIN. Then chase asked to fill Form W-9 to provide your correct Taxpayer Identification Number (TIN). This form asks for TIN for business. Should I use my SSN or EIN? I just sell on ebay. Thanks.
Reply
Joined Aug 2007
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> bubble2 3,804 Posts
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kqian111
09-20-2024 at 06:59 AM.
09-20-2024 at 06:59 AM.
Quote from NeatBreakfast1844 :
Yeah, the other great thing about the Ink is no annual fee, and yet it can provide primary auto coverage for international car rental. Not sure if that's a unicorn, but I was glad to find that out.

I wouldn't know about about UR transfers, as we always take the cash and run. We have all the the air miles we need from airline loyalty card SUBs.

Chase is great if you pick your spots carefully, interleave business cards with trifecta personal cards, and play by the rules. We also each did the Chase $900 checking bonus at the beginning of last year, so have picked up over $6k real money from them in total since then for not doing anything much different than we normally would. We'll be eligible for that again in 1Q 2025. Check previous SD posts for how.
The other benefit I noticed is the purchase protection of up to $10k per incident. This is usually reserved for premium cards like the CSR, Amex Plat. It has come in handy when I lost a brand new $1300 cell phone and they reimbursed me in full.

I didn't know the Chase checking/savings SUB eligibility is every 24 months. I just did the $900 like 2 months ago but good to know for the future.
Reply
Joined Jun 2012
L5: Journeyman
> bubble2 638 Posts
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deniboy2br
09-20-2024 at 08:39 AM.
09-20-2024 at 08:39 AM.
worshipwootshake head
1
Reply
Last edited by deniboy2br September 20, 2024 at 09:15 AM.
Joined Jul 2022
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Tropical_Farmer
09-20-2024 at 11:32 AM.
09-20-2024 at 11:32 AM.
If I pay my Miami-Dade Property tax with this card does it count towards my $6,000 spending?

Does Homeowners Insurance count?


Thanks
Reply

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Joined Mar 2011
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> bubble2 11,059 Posts
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gibsonbass
09-20-2024 at 11:34 AM.
09-20-2024 at 11:34 AM.
Quote from Tropical_Farmer :
If I pay my Miami-Dade Property tax with this card does it count towards my $6,000 spending?

Does Homeowners Insurance count?


Thanks
Yes yes yes
Thats what I m planning to do
Reply
Joined Aug 2007
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> bubble2 3,804 Posts
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kqian111
09-20-2024 at 11:39 AM.
09-20-2024 at 11:39 AM.
Quote from Tropical_Farmer :
If I pay my Miami-Dade Property tax with this card does it count towards my $6,000 spending?

Does Homeowners Insurance count?


Thanks
If you're willing to add 3% to your prop tax bill then yeah I'm sure you can.
Reply
Joined Jul 2022
New User
> bubble2 8 Posts
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Tropical_Farmer
09-20-2024 at 11:48 AM.
09-20-2024 at 11:48 AM.
Quote from kqian111 :
If you're willing to add 3% to your prop tax bill then yeah I'm sure you can.
Valid point, but if I pay early by 11/30 we get 4% discount off property tax.
The county CC fee did go up a bit this year to 2.39% but we get back 1.5% from card and I can't pay early otherwise.

"Pay your tax bill online via eCheck, credit card or debit card. eCheck payments are not accepted for delinquent or prior year taxes. You can now pay with American Express, Samsung Pay and Google Pay. The new convenience fee is 2.39 percent."
Reply
Joined Jul 2022
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Tropical_Farmer
09-20-2024 at 11:54 AM.
09-20-2024 at 11:54 AM.
I'm assuming we don't get a tax form to pay the federal tax on the $900?
Reply
Joined Nov 2012
Deal Hunter
> bubble2 106 Posts
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ultimatedealscovery
09-20-2024 at 12:20 PM.
09-20-2024 at 12:20 PM.
Quote from Tropical_Farmer :
I'm assuming we don't get a tax form to pay the federal tax on the $900?

No you don't
Reply
Joined Nov 2012
Deal Hunter
> bubble2 106 Posts
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ultimatedealscovery
09-20-2024 at 12:21 PM.
09-20-2024 at 12:21 PM.
Quote from toddwz :
I applied for this card, and then appliced for EIN. Then chase asked to fill Form W-9 to provide your correct Taxpayer Identification Number (TIN). This form asks for TIN for business. Should I use my SSN or EIN? I just sell on ebay. Thanks.

Is your eBay business registered?
Reply
Joined Dec 2008
L5: Journeyman
> bubble2 996 Posts
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toddwz
09-20-2024 at 01:16 PM.
09-20-2024 at 01:16 PM.
Quote from ultimatedealscovery :
Is your eBay business registered?
I don't think so.
Reply

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Joined Nov 2012
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ultimatedealscovery
09-20-2024 at 01:30 PM.
09-20-2024 at 01:30 PM.
Quote from toddwz :
I don't think so.
Use your SSN then, DM me if you have any other questions.
Reply
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