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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 Aug 2007
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kqian111
10-03-2024 at 09:51 AM.
10-03-2024 at 09:51 AM.
Quote from uwotm8 :
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.

It's been 4 days still not available. If you pay from a Chase Bank account it should be available immediately. Only external accounts take forever, especially the first few payments until you establish some history and credibility with them.
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Joined Apr 2021
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> bubble2 26 Posts
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uwotm8
10-03-2024 at 10:42 AM.
10-03-2024 at 10:42 AM.
Quote from kqian111 :
It's been 4 days still not available. If you pay from a Chase Bank account it should be available immediately. Only external accounts take forever, especially the first few payments until you establish some history and credibility with them.
Ah yes, their external banking system has had a lot more issues recently. I did the $900 checking/savings account bonus as well and it was cumbersome trying to fund the account with external transfers.
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Joined Jul 2005
L4: Apprentice
> bubble2 470 Posts
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wadew
10-03-2024 at 10:49 AM.
10-03-2024 at 10:49 AM.
Quote from uwotm8 :
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.
I've heard it can be as long as until the statement closes so 3-4 days before the payment due date.
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Joined Apr 2021
L2: Beginner
> bubble2 26 Posts
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uwotm8
10-03-2024 at 01:02 PM.
10-03-2024 at 01:02 PM.
Quote from wadew :
I've heard it can be as long as until the statement closes so 3-4 days before the payment due date.
Is that for external accounts only or also using Chase banking?
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Joined Nov 2012
Deal Hunter
> bubble2 106 Posts
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ultimatedealscovery
10-03-2024 at 01:42 PM.
10-03-2024 at 01:42 PM.
Quote from drugstorecowboy :
Were you able to get one? I also have one I opened 10 months ago.

Yes, you're eligible if that's the only Chase card you've gotten recently.
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Joined Feb 2008
L7: Teacher
> bubble2 2,249 Posts
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pcman2000
10-03-2024 at 05:47 PM.
10-03-2024 at 05:47 PM.
Quote from Knightshade :
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)
Can one assume if my app is under review it passed the 5/24 or not necessarily?
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Joined Sep 2009
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Knightshade
10-03-2024 at 07:08 PM.
10-03-2024 at 07:08 PM.
Quote from pcman2000 :
Can one assume if my app is under review it passed the 5/24 or not necessarily?

This flowchart is a bit dated at this point but still mostly accurate last I knew

https://imgur.com/a/chase-approval-guide-oXlPW
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Joined Nov 2014
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> bubble2 99 Posts
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beshoy.s.aziz
10-04-2024 at 12:43 PM.
10-04-2024 at 12:43 PM.
Quote from Knightshade :
Business cards don't go on your personal credit report, so they definitely do not count toward increasing your 5/24 total (but they will check you are UNDER 5/24 when applying)

How doesn't it report to the personal credit report? Does it put a hard hit when applying ? It asked for my ssn before i got to put the EIN
Sorry new to this
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Last edited by beshoy.s.aziz October 4, 2024 at 01:00 PM.
Joined Nov 2009
L5: Journeyman
> bubble2 896 Posts
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fiire
10-04-2024 at 06:32 PM.
10-04-2024 at 06:32 PM.
Quote from xshinsoo :
why is this a problem? just pay the bill in partial and pay it off and repeat?
Because i can't buy anything worth over $3k or anything that requires a hold of more than 3k
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Joined Nov 2017
L3: Novice
> bubble2 256 Posts
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Bibhu3108
10-04-2024 at 08:29 PM.
10-04-2024 at 08:29 PM.
What's the best way to check if i have 5 cards open/closed in last 2 years?
Reply
Joined Nov 2012
Deal Hunter
> bubble2 106 Posts
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ultimatedealscovery
10-04-2024 at 08:36 PM.
10-04-2024 at 08:36 PM.
Quote from Bibhu3108 :
What's the best way to check if i have 5 cards open/closed in last 2 years?
Do you have access to any online credit reports, eg. Equifax, Credit Karma, Annualcreditreport.com, etc.? If not, hopefully it's in your emails somewhere if you want to type in certain keywords, "Approved" is generally a good one.
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Joined Jul 2005
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> bubble2 470 Posts
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wadew
10-04-2024 at 08:40 PM.
10-04-2024 at 08:40 PM.
Quote from Bibhu3108 :
What's the best way to check if i have 5 cards open/closed in last 2 years?

Creditkarma is free and does a good job of listing all accounts and their open dates.
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Joined Nov 2017
L3: Novice
> bubble2 256 Posts
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Bibhu3108
10-04-2024 at 08:51 PM.
10-04-2024 at 08:51 PM.
Quote from ultimatedealscovery :
Do you have access to any online credit reports, eg. Equifax, Credit Karma, Annualcreditreport.com, etc.? If not, hopefully it's in your emails somewhere if you want to type in certain keywords, "Approved" is generally a good one.

Have experience was able to find the opened number of card. But I think it doesn't show if any card was closed . Also wondering if the 5/24 rule applied to hard puls as well which didn't result in new account ?
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Joined Nov 2012
Deal Hunter
> bubble2 106 Posts
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ultimatedealscovery
10-04-2024 at 08:56 PM.
10-04-2024 at 08:56 PM.
Quote from Bibhu3108 :
Have experience was able to find the opened number of card. But I think it doesn't show if any card was closed . Also wondering if the 5/24 rule applied to hard puls as well which didn't result in new account ?

Only personal credit cards that are opened. 5/24 doesn't care about loans or rejected applications.
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Joined Nov 2017
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Bibhu3108
10-04-2024 at 08:57 PM.
10-04-2024 at 08:57 PM.
Quote from ultimatedealscovery :
Only personal credit cards that are opened. 5/24 doesn't care about loans or rejected applications.

Personal or business credit card together rite ?
Reply
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