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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 06:38 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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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 2009
L10: Grand Master
> bubble2 15,359 Posts
4,346 Reputation
Knightshade
09-30-2024 at 11:24 AM.
09-30-2024 at 11:24 AM.
Quote from pcman2000 :
Are you referring to applying for business cards or Sapphire just to clarify? I don't care about Sapphire at this point but will apply for this card next week and am not sure I'm under or at 5/24 with business cards.

The part I wrote has two elements:

One applies to all cards from Chase -You must be under 5/24, and they will check, when you apply for the new chase card.... If you're over 5/24 your application will be denied (there's some really narrow exceptions for targeted/just for you offers, but in general this is the rule).

and

One applies to only business cards (from chase or nearly anyone else)-- those don't go on your personal credit report, and thus don't ADD to your 5/24 total).



So an example of where each might be relevant:


You are at 6/24--- you want to apply for a chase card of any kind- personal or business- you'll be denied, because when they check they'll find you're over 5/24.

In contrast- if you're at 4/24-- and you apply for, and get approved for a new chase business card since you're under 5/24 (or a biz card from most other banks too) that will not increase your X/24 count and you'll still be at 4/24 so if you wanted to later apply for another chase card you could, as long as you were ok on all the other chase rules relevant to the specific card (like 2/30, the 48mo sapphire thing, or all the weird crossover-with-amex marriott card rules)
Reply
Joined Nov 2016
L3: Novice
> bubble2 108 Posts
22 Reputation
NotMeAgain
09-30-2024 at 12:27 PM.
09-30-2024 at 12:27 PM.
Anyone has experience paying business tax to IRS using this card ?
Reply
Joined Nov 2009
L5: Journeyman
> bubble2 896 Posts
363 Reputation
fiire
09-30-2024 at 01:37 PM.
09-30-2024 at 01:37 PM.
FYI, if this is your first ink card, your credit limit will probably be $3k (maybe $6k at best) due to a lack of business credit history. Learned that the hard way and couldn't make a large purchase to hit the SUB immediately
Reply
Joined Nov 2012
Deal Hunter
> bubble2 106 Posts
53 Reputation
ultimatedealscovery
09-30-2024 at 09:29 PM.
09-30-2024 at 09:29 PM.
Quote from NotMeAgain :
Anyone has experience paying business tax to IRS using this card ?

Yeah, no issues other than paying the fees. It's still worth though because of the sub.
1
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Joined Oct 2011
L6: Expert
> bubble2 1,259 Posts
173 Reputation
breaktheground
10-01-2024 at 11:47 AM.
10-01-2024 at 11:47 AM.
So if Chase states they have to "review" my application, thats bad right?
Reply
Joined Jul 2005
L4: Apprentice
> bubble2 470 Posts
121 Reputation
wadew
10-01-2024 at 11:50 AM.
10-01-2024 at 11:50 AM.
Quote from breaktheground :
So if Chase states they have to "review" my application, thats bad right?
Not necessarily. Lots of applications go into review and then get approved. Just let it run its course. it's better than an immediate denial.
Reply
Joined Oct 2011
L6: Expert
> bubble2 1,259 Posts
173 Reputation
breaktheground
10-01-2024 at 11:51 AM.
10-01-2024 at 11:51 AM.
Quote from wadew :
Not necessarily. Lots of applications go into review and then get approved. Just let it run its course. it's better than an immediate denial.
Sweet, thanks. Do you know how quick the review process is usually?
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Joined Jul 2005
L4: Apprentice
> bubble2 470 Posts
121 Reputation
wadew
10-01-2024 at 11:53 AM.
10-01-2024 at 11:53 AM.
Quote from breaktheground :
Sweet, thanks. Do you know how quick the review process is usually?
I can take anywhere from next day to 3 weeks. Sorry.
Reply
Joined Nov 2020
L2: Beginner
> bubble2 48 Posts
16 Reputation
SuperbBeing
10-02-2024 at 06:13 PM.
10-02-2024 at 06:13 PM.
Quote from breaktheground :
So if Chase states they have to "review" my application, thats bad right?
Happened to me. Got approved the next day. 5 - 7 days to receive welcome kit.
Reply
Joined Aug 2018
L1: Learner
> bubble2 20 Posts
14 Reputation
xshinsoo
10-02-2024 at 06:18 PM.
10-02-2024 at 06:18 PM.
Quote from fiire :
FYI, if this is your first ink card, your credit limit will probably be $3k (maybe $6k at best) due to a lack of business credit history. Learned that the hard way and couldn't make a large purchase to hit the SUB immediately
why is this a problem? just pay the bill in partial and pay it off and repeat?
Reply
Joined Jul 2005
L4: Apprentice
> bubble2 470 Posts
121 Reputation
wadew
10-02-2024 at 06:20 PM.
10-02-2024 at 06:20 PM.
Quote from xshinsoo :
why is this a problem? just pay the bill in partial and pay it off and repeat?
Chase has been known to delay the change to the credit limit on a early partial payment on a new credit card. But you have 90 days anyway.
Reply
Joined Aug 2007
L8: Grand Teacher
> bubble2 3,969 Posts
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Pro
kqian111
10-02-2024 at 08:10 PM.
10-02-2024 at 08:10 PM.
Quote from wadew :
Chase has been known to delay the change to the credit limit on a early partial payment on a new credit card. But you have 90 days anyway.

Yup happening to me. Paid down my balance Monday but still haven't gotten the available credit back yet.
Reply
Joined Dec 2006
L2: Beginner
> bubble2 66 Posts
18 Reputation
drugstorecowboy
10-03-2024 at 04:39 AM.
10-03-2024 at 04:39 AM.
Quote from phdo :
So i can still apply this one even i already have 1 ink business card? Got the first one less than two months
Were you able to get one? I also have one I opened 10 months ago.
Reply
Joined Oct 2011
L6: Expert
> bubble2 1,259 Posts
173 Reputation
breaktheground
10-03-2024 at 09:12 AM.
10-03-2024 at 09:12 AM.
Quote from SuperbBeing :
Happened to me. Got approved the next day. 5 - 7 days to receive welcome kit.
Thanks, same occurred for me. Now to call and get the card expedited.
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Joined Apr 2021
L2: Beginner
> bubble2 26 Posts
10 Reputation
uwotm8
10-03-2024 at 09:34 AM.
10-03-2024 at 09:34 AM.
Quote from kqian111 :
Yup happening to me. Paid down my balance Monday but still haven't gotten the available credit back yet.
How long do they take to clear your balance? I have to make a purchase of $6k and thought I could just charge $3k on a Monday for example, pay down the balance by Tuesday, and charge another $3k on Wednesday.
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