Chase Ink Business Unlimited — 100,000 Ultimate Rewards Sign-Up Bonus (2026 Review)
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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.
Who This Card Is For
Self-employed or sole-proprietor users with at least $2,000/month in deductible business spend who want a SUB that doesn't count toward Chase 5/24 or other personal-card velocity caps.
How to Maximize the Sign-Up Bonus
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.
Pros
Cons
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
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.