Chase Ink Business Cash welcome bonus
Spend $6,000 in first 3 months. $750 on $6k spend = 12.
The numbers
$750
$6,000
in 3 months
$0
12.5%
The real math
How to qualify
Apply for Chase Ink Business Cash. Sole proprietors with an SSN qualify — you don't need an LLC. Spend $6,000 on purchases within 3 months for the $750 bonus (a higher $1,000-after-$8,000-in-4-months offer also circulates). Pays as statement credit.
Application restrictions
Chase 5/24 applies. Requires legitimate business — sole proprietor (SSN as EIN) is acceptable. New Chase rule: the bonus may be unavailable if you've ever held this or any other no-annual-fee Chase business card.
All credit card applications trigger a hard credit pull (5-10 point temporary score dip). If you're denied, call the issuer's reconsideration line within a few business days — agents have authority to override automated denials.
Key card features
- 5% cashback on first $25k spent annually at office supply stores + internet/cable/phone
- 2% on first $25k at gas stations + restaurants
- 1% all other
- 0% APR 12 months
Ongoing return: 5% on category caps, 1% other
When this card makes sense
Business cards are great if you have ANY legitimate business income — even sole proprietor with an SSN as your EIN qualifies. Business card welcome bonuses are typically larger than personal-card equivalents from the same issuer, AND business cards typically don't count toward Chase 5/24 (since they don't report on personal credit), so they're great for high-velocity chasers who've hit personal-card limits.
When to skip it
Skip if you have zero business activity. Some issuers (Amex) require an EIN; others (Chase, Capital One) accept SSN sole-prop. Be honest about whether you have any income that would qualify — eBay/Mercari resale, freelance gigs, side hustles all count, but pure 9-to-5 W-2 income alone does not.
Standard offer is $750 for $6,000 in 3 months; an elevated $1,000-for-$8,000-in-4-months version appears periodically. Business cards don't count toward Chase 5/24 (don't appear on personal credit) but the application IS subject to 5/24. Chase also now blocks the bonus if you've held any no-AF Chase business card before.
How to maximize this card
Open business cards after hitting personal-card limits (Chase 5/24, Amex velocity rules). Track expenses cleanly so you can defend the "business" classification if asked. Use ongoing category bonuses for legitimate business spend (Chase Ink Cash 5% on office supplies + internet/cable/phone is exceptional).
Frequently asked about Chase Ink Business Cash
What is the Chase Ink Business Cash welcome bonus worth?
Chase Ink Business Cash pays $750 cash back after meeting the minimum spend requirement.
What is the application restriction for Chase Ink Business Cash?
Chase 5/24 applies. Requires legitimate business — sole proprietor (SSN as EIN) is acceptable. New Chase rule: the bonus may be unavailable if you've ever held this or any other no-annual-fee Chase business card.
Is the welcome bonus on Chase Ink Business Cash taxable?
Welcome bonuses earned by spending on a credit card are generally NOT taxable — the IRS treats them as rebates on purchases, not income. The exception is account-opening bonuses paid without any spending requirement, which can be considered miscellaneous income (though banks rarely issue 1099s for amounts under $600). Cashback rewards from ongoing card use are likewise treated as rebates and not taxed.
What happens to Chase Ink Business Cash's annual fee in subsequent years?
Chase Ink Business Cash has no annual fee, so you can hold it indefinitely with no carrying cost.
Do I need a real business to apply for Chase Ink Business Cash?
Chase accepts sole proprietor applications using your SSN as the business tax ID. Legitimate side hustle income (freelancing, gig work, resale, consulting) qualifies. Pure W-2 employment alone does not constitute a business — be honest in your application about your business activity.
Ready to apply?
Chase's full terms apply at application. Read the disclosure before you submit.