If you run any kind of side hustle or small business — freelancing, catering, selling online, or doing seasonal work — Chase just announced one of the biggest credit card bonuses in recent memory. Starting June 15th, both the Chase Ink Business Cash and the Chase Ink Business Unlimited cards will offer a 100,000-point signup bonus after you spend $8,000 in the first four months of account opening.
That’s not a typo. Here’s what you need to know before the launch date.
What the Deal Is
Both Chase Ink cards — the Business Cash and the Business Unlimited — are offering identical signup bonuses: 100,000 Chase Ultimate Rewards points when you hit $8,000 in purchases within your first four months. The offer goes live June 15th. [AFFILIATE:FlexOffers]
Chase Ultimate Rewards points are among the most flexible in the rewards world. At minimum, 100,000 points is worth $1,000 in straight cash back. Used strategically — transferred to travel partners like Southwest, United, or Hyatt — experienced points players often get considerably more value. Even at face value, this is a four-figure welcome offer.
Who This Is Best For
These are business credit cards, but “business” covers more ground than most people assume. Freelancers, rideshare drivers, Etsy sellers, farmers market vendors, contractors, and anyone with a side income typically qualify.
This offer is particularly well-suited for:
- Southern small business owners: If you’re running a BBQ catering operation, a landscaping crew, a boutique, or a farm — and you’re already spending $2,000/month on supplies, fuel, or services — hitting $8,000 in four months is realistic without changing your habits.
- Summer side-hustlers: Peak season for outdoor businesses is right now. Pressure washing, pool services, moving help — startup supply costs can eat through that spend threshold fast and work in your favor.
- Business travelers heading into busy season: Summer conferences, trade shows, and client visits put hotel and flight charges on the card. Those all count toward your $8,000 requirement.
Ink Cash vs. Ink Unlimited — Which Should You Pick?
Both cards carry the same 100,000-point bonus right now, but they earn differently on an ongoing basis:
- Ink Business Cash earns higher rates in specific categories like office supply stores and telecommunications — better if your spending is concentrated there.
- Ink Business Unlimited earns a flat rate on everything — simpler, and better if your spending is spread across many categories.
Choose based on where your business actually spends money. The bonus is identical either way. [AFFILIATE:CreditCards.com]
Caveats to Know Before You Apply
The spend requirement is real. Eight thousand dollars in four months works out to $2,000/month — manageable for many businesses, but don’t apply if you’ll be artificially manufacturing spend. Only use legitimate business purchases.
Chase’s 5/24 rule applies. If you’ve opened five or more credit cards across any bank in the last 24 months, Chase will likely decline you. Check your recent card history before applying.
The offer isn’t live yet. As of this writing, the bonus starts June 15th — a few days out. Use the time to review your recent card applications and make sure your business spending can realistically hit the threshold.
Bottom Line
A 100,000-point Chase Ink bonus is the kind of offer that appears a handful of times a year, if that. If you have qualifying business income and predictable expenses, this is worth serious consideration. Mark June 15th on your calendar and apply when the offer goes live. [AFFILIATE:FlexOffers]