Chase Ink Business Unlimited — 100,000 Ultimate Rewards Sign-Up Bonus (2026 Review)
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- Minimum spend: $8,000 within 4 months of account opening
- Availability: Nationwide
- Annual fee: $0
The 5/24 ruleChase usually declines you if you have opened five or more personal cards from any bank in the past 24 months.
Chase has never published this rule, but it has held since 2015 and still holds in 2026. The count covers personal cards from every issuer, not only Chase, and it includes cards where you are just an authorized user, because those show on your credit report. Store cards count only if they can be used elsewhere, so a branded Visa or Mastercard counts and a closed-loop store card does not. Auto loans, mortgages and applications that were denied do not count.
Business cards and your 5/24 countbusiness cardsA Chase business card does not raise your 5/24 count, but your count still decides whether you get approved for it.
Chase business cards are generally not reported on your personal credit report, so opening one does not push your number up. The count you already have still gates the approval, which is why people at 4/24 often take the business card first. Most other issuers behave the same way. The known exceptions are Capital One, Discover and TD Bank, whose business cards do report to personal credit and can raise your count.
Roughly two cards per 30 daysUnconfirmedChase tends to approve about two personal cards, or about one business card, in any rolling 30 days.
This is a community pattern rather than a Chase rule, and the data points behind it are not consistent. The usual guidance is at most two new personal Chase cards in a rolling 30-day window, and roughly one business card in that same window, with a personal and a business application close together sometimes counting against each other. Some people report being made to wait longer than 30 days. Use it for spacing applications, not as a promise.
Rewards Earning
Key Benefits
- Unlimited 1.5% cash back on every purchase — no categories
- 0% intro APR for 12 months on purchases
- No annual fee
- Business card — won't add to your personal 5/24 count
Overview
The Chase Ink Business Unlimited is currently offering 100,000 Ultimate Rewards after $8,000 in purchases within 4 months. There's no annual fee, which makes the 100,000 Ultimate Rewards bonus close to pure profit if you can hit the spend organically. Estimated net year-one value: $1,000 based on a 1¢ per-point valuation.
Pros
Cons
Notes
To hit the $8,000 requirement in 4 months, you need about $2,000 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the Chase Ink Business Unlimited until you've earned the 100,000 Ultimate Rewards bonus. Because this is a business card, sign-up bonus earnings post separately from personal-card velocity rules at most issuers — so it can run in parallel with a personal SUB chase. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
How This Compares
Within Chase's business lineup, the closest comparison is the Chase IHG One Rewards Premier Business (140,000 IHG One Rewards points after $4,000/3mo, $99 AF). The Chase Ink Business Unlimited is the right pick when you value a clean no-AF SUB and don't need the elevated category bonuses of the fee-bearing card.
Frequently Asked Questions
What's the current Chase Ink Business Unlimited sign-up bonus?
The current bonus is 100,000 Ultimate Rewards after spending $8,000 on purchases within 4 months of account opening.
What's the Chase Ink Business Unlimited annual fee?
There is no annual fee on the Chase Ink Business Unlimited.
Does the Chase 5/24 rule apply to this card?
Chase business cards count *against* 5/24 (i.e. they will deny you if you're over 5/24), but they do not *add to* your 5/24 count once approved. So a successful approval here doesn't burn a personal-card slot.
How long does the Chase Ink Business Unlimited sign-up bonus take to post?
Once you cross the $8,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Sources (1)
We last checked this against the bank's page on September 14, 2026.
Historical Promotions
The current 100,000 Ultimate Rewards is the highest we've tracked since April 2026.
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