A six-figure welcome bonus on a credit card with no annual fee is close to unheard of, and the window to grab one is closing. The Chase Ink Business Unlimited is currently offering 100,000 bonus points after you spend $8,000 in the first four months — the highest offer ever seen on this card. The deadline is now confirmed: the bonus is expected to disappear at 9AM EDT on Thursday, September 17, 2026.
Chase markets the bonus as $1,000 cash back, and you can certainly take it that way. But the smarter play for travellers is pairing it with a card that earns Ultimate Rewards points, such as the Chase Sapphire Reserve or Sapphire Reserve for Business. Once linked, the bonus points can be transferred to Ultimate Rewards' airline and hotel partners — and valued at roughly 1.7 cents each, that turns 100,000 points into around $1,700 worth of travel. That's a serious haul of flights or hotel nights for a card that costs nothing to hold.
A few eligibility rules matter. Officially, the bonus isn't available if you've previously held this card or any other no-annual-fee Chase business card, including the Ink Business Cash — the no-fee business cards are mutually exclusive. The wording says you "may" not be eligible rather than definitely aren't, and if you're ruled out, Chase typically shows a pop-up before any hard credit pull, so the downside of applying is limited. Importantly, holding a fee-charging Chase business card like the Ink Business Preferred doesn't affect your eligibility.
You can apply as a sole proprietorship — just enter your Social Security Number where an EIN would go. Chase's 5/24 rule (rejection if you've opened five or more personal cards in 24 months) may apply, though reports suggest it's enforced less consistently these days. A sensible rule of thumb: don't apply for more than one Chase business card in any 30-day period.
Even after the bonus, the card earns its keep. It returns a minimum of 1.5x points on everything you spend, making it one of Chase's best everyday spending cards. It also includes primary rental car coverage — remarkably rare on a no-annual-fee product — which matters if you rent cars on trips. And since there's no fee, there's no reason not to keep it in your wallet long-term alongside your other rewards cards.
If you have a small business or freelance income and you're eligible, this is about as good as card sign-up bonuses get: the offer beats the previous highs of 75,000 and 90,000 points, it's free to hold, and the points can fund business or leisure travel at partner airlines and hotels. Anyone interested should apply before the September 17, 2026 morning deadline rather than assume there'll be an extension.
Story via One Mile at a Time