The 90,000-point offers on these two no-annual fee cards are ending soon—have you gotten one yet??

The Chase Ink Business Cash and Chase Ink Business Unlimited are (in my opinion) the two best bonus offers available right now if you’re trying to maximize how many quality points you earn and minimize how much you’re paying in annual fees.

These cards each still have a welcome bonus of 90,000 Chase Ultimate Rewards points, and neither card charges an annual fee. This is the highest bonus I’ve ever seen on either of these cards. We know that this offer is “ending soon” but not exactly when. If you’re thinking about applying, I’d 100% recommend doing it today rather than later on because in the past, the bank has pulled high offers earlier than expected. You never know when that could happen, and the application takes five minutes, so there’s no time like the present! (I’m literally going to get my husband to apply for another one as soon as I hit “publish” on this post!) [Update: He was approved! This is his second card of the one type he applied for (Card #1, if you’re following along), and he already has a Card #2. So they’re letting people get duplicates, apparently.)]

This is one of those easy decisions. 

Who should apply

If you can meet the spending requirement ($6,000 within the first three months after approval), then you should get one of these cards. It’s that simple.

You’re getting $900 in cash-back value at the very least, and that’s the worst-case scenario. But if you know how to transfer these points to a different Chase card and then out to travel partners like Hyatt, Southwest, United, Air Canada, or Air France, then you can get even more than $900 in value from this one card bonus. (If you don’t know how to do this, message me or comment and I’ll walk you through it!)

What’s the difference between the two cards?

The Ink Cash has no annual fee and earns you 5x per dollar spent on phone, cable, and internet bills, and also 5x at office-supply stores. 

The Ink Unlimited has no annual fee and earns 1.5x per dollar spent, period. 

And yes, you can have both cards at the same time! I’ve also been hearing a lot lately that people can even have more than one of the same specific card. It’s worth trying to see if that works for you.

You need a business card!

If you haven’t applied for one of these yet because you don’t think you would qualify for a business credit card, you might reconsider. Your idea of what qualifies as a small business and the bank’s actual guidelines might be completely different. And if we’re going by the bank’s guidelines because “their cards, their rules,” congratulations! You’re probably a small-business owner. I know lots of people who have applied and been approved for these cards having teeny-tiny businesses, like reselling their kids’ old toys and clothes from time to time on Facebook Marketplace or occasionally pet-sitting. Your informal side-hustle doesn’t have to be an LLC or make a lot of revenue to qualify as a business. Really.

And one of the great benefits of applying for a business credit card instead of a personal credit card is that most business cards don’t count against your Chase 5/24 status like personal cards do. That means you can be ready to apply for more cards sooner and earn more points sooner. And for no annual fee! Both the Ink Cash and the Ink Unlimited are great options that can get you traveling with points even faster. Business cards are ESSENTIAL if you want to maximize how many points you earn with card bonuses.

If you apply using my links above, thank you! Those links will get you the best publicly available bonus offer.

One way to get even more than 90,000 points: referrals

If you have a partner or friend who already has a Chase Ink card, get them to send you a referral link and apply using that instead of my links. The referral bonus is already back down to 75,000 points and not the same 90,000-point offer as the affiliate links (like mine), but your partner or friend will earn 40,000 points on top of the 75,000 points you’ll earn, which is a higher points total than just 90,000. For people who travel together, referring each other is a fantastic way to earn more points with very little effort.

What would you do with an extra 90,000 or 180,000 Ultimate Rewards points?

Comment below with any questions!