What is the Chase 5/24 rule and how does it affect business card applications?

The Chase 5/24 rule means you will be automatically denied for most Chase credit cards, including all Ink business cards, if you've opened 5 or more personal credit cards (from any bank) in the past 24 months. Most business credit cards from other banks don't count toward your 5/24 status. To check your status, count all personal credit cards opened in the last 24 months.

What is the sign-up bonus for Chase Ink Business Preferred?

The Ink Business Preferred® Credit Card offers 90,000 bonus points after spending $8,000 on purchases in the first 3 months from account opening, with potential for 100,000+ points through targeted in-branch or mail offers.

Best Chase Ink Sign-Up Bonuses (March 2025)

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⚠️ Important: Chase 5/24 Rule

Before applying for any Chase Ink business credit card, be aware of the Chase 5/24 rule:

You will likely be automatically denied if you’ve opened 5 or more personal credit cards (across all banks) in the past 24 months
This rule applies to most Chase credit cards, including all Ink business cards
Most business credit cards from other banks don’t count toward your 5/24 status
To check your 5/24 status, count all personal credit cards opened in the last 24 months

Choosing the right business credit card can significantly impact your company’s finances, and sign-up bonuses offer a fantastic way to gain immediate value. Chase’s Ink Business credit card lineup is renowned for its attractive introductory offers. As of March 2025, several compelling bonuses are available. This article will provide a detailed comparison and analysis to help you determine the best Chase Ink sign-up bonus for your specific business needs.

Why Sign-Up Bonuses Matter for Businesses

Business credit card sign-up bonuses provide an initial boost to your financial resources. Whether you prefer cash back to reinvest in your business or valuable travel rewards to offset expenses, these bonuses can offer substantial savings and benefits right from the start. The Chase Ink portfolio caters to various business needs, making it a popular choice for entrepreneurs and established companies alike.

Sign-Up Bonus Value Calculator

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Current Chase Ink Sign-Up Bonus Offers (March 2025)

Here’s a quick overview of the top Chase Ink sign-up bonuses available in March 2025:

Ink Business Preferred® Credit Card: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Potential for 100,000+ points through targeted in-branch or mail offers.
Ink Business Unlimited® Credit Card: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Keep an eye out for potential limited-time offers up to $900.
Ink Business Cash® Credit Card: Earn up to $750 bonus cash back: $350 after spending $3,000 in the first 3 months, and an additional $400 after spending a total of $6,000 within the first 6 months. Plus, a potential 10% bonus on first-year cash back for new cardholders with a Chase Business Checking account.
Ink Business Premier® Credit Card: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Detailed Analysis of the Top Offers

Let’s take a closer look at what each of these offers brings to the table:

1. Ink Business Preferred® Credit Card: Unlock Premium Travel Rewards

Unlock premium travel rewards with the Chase Ink Preferred credit card for your business in March 2025.

The Ink Business Preferred card is a top choice for businesses that value flexible and potentially high-value travel rewards through Chase Ultimate Rewards®.

The Standard Bonus: The public offer of 90,000 bonus points is worth at least $900 in cash back. However, when redeemed for travel through Chase Travel℠, your points are worth 25% more, at $1,125.
Maximize Your Points: The real power lies in transferring points to Chase’s travel partners (airlines and hotels), where you can often get significantly more value per point, potentially averaging around 1.93 cents per point or even higher for strategic redemptions. Imagine using these points for business class flights or luxury hotel stays!
Earning Potential: Beyond the welcome bonus, earn 3x points per $1 on the first $150,000 spent annually in combined purchases across crucial business categories: travel, shipping, internet, cable, phone services, and advertising on social media and search engines.
Valuable Business Perks: Enjoy benefits like cell phone protection (up to $600 per claim), trip cancellation/interruption insurance, trip delay reimbursement, purchase protection, extended warranty coverage, and primary rental car coverage – invaluable for business trips.
Targeted Higher Bonuses: Keep an eye out for opportunities to snag a 100,000 or even 120,000-point bonus by:
- Visiting a Chase Branch: Schedule an appointment with a Business Relationship Manager (BRM) and inquire about any special in-branch offers.
- Checking Your Mail: Ensure you’re opted in to receive credit card offers from Chase, as they occasionally send targeted mail promotions.

2. Ink Business Unlimited® Credit Card: Simple and Rewarding Cash Back

Chase Ink business credit card cash back rewards for March 2025 featuring stacks of dollars and accumulating digital cash.

For businesses that prefer straightforward cash back rewards without the hassle of tracking bonus categories or paying an annual fee, the Ink Business Unlimited is an excellent option.

Generous Cash Back: The $750 bonus cash back after meeting the spending requirement provides immediate and tangible value for your business.
Flat-Rate Rewards: Earn an unlimited 1.5% cash back on all business purchases, simplifying your rewards strategy.
No Annual Fee: Enjoy the benefits of this card without any annual cost, making the sign-up bonus even more appealing.
Potential for Increased Bonus: Be sure to check the official Chase website for any limited-time offers that might increase the sign-up bonus to $900 for a limited period.

3. Ink Business Cash® Credit Card: Bonus Categories and Tiered Rewards

The Ink Business Cash card offers a unique tiered cash back bonus structure and valuable rewards in specific business spending categories.

Tiered Cash Back Bonus: Earn $350 after spending $3,000 in the first 3 months, followed by an additional $400 after spending a total of $6,000 within the first 6 months. This structure can be beneficial for businesses with varying spending patterns.
Valuable Bonus Categories: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Plus, earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants.
Potential First-Year Bonus: New cardholders who open an Ink Business Cash card and maintain a Chase Business Checking account may be eligible for a one-time 10% bonus on all eligible cash back earned in the first year, further enhancing the initial value.
No Annual Fee: Like the Unlimited card, the Ink Business Cash also comes with no annual fee.

4. Ink Business Premier® Credit Card: High Cash Back for Significant Spending

Ink Business Premier card: $1,000 cash back for $10,000 spending in the first 3 months.

The Ink Business Premier card is designed for businesses with substantial spending needs in the initial months, offering the highest absolute cash back bonus in the Ink lineup.

Significant Cash Back: Earn a $1,000 bonus cash back after spending $10,000 on purchases within the first 3 months.
Flat-Rate Rewards: Earn 2% cash back on all purchases and 2.5% on purchases of $5,000 or more.
Higher Annual Fee: This card has a $195 annual fee, which should be factored into your decision.
Focus on Cash Back: Unlike the Preferred card, the Ink Business Premier does not earn fully transferable Ultimate Rewards points, focusing primarily on cash back or redemptions within the Chase portal.

How to Choose the Right Chase Ink Card for Your Business

To make the best choice for your business, consider the following questions:

What are your primary business expenses? Do you spend heavily on travel, advertising, office supplies, or everyday purchases?
Do you prefer cash back or travel rewards? Consider the flexibility and potential value of Ultimate Rewards points versus the simplicity of cash back.
What is your anticipated spending in the first 3-6 months? Ensure you can realistically meet the spending requirements to earn the sign-up bonus.
Are you comfortable paying an annual fee? Weigh the benefits and rewards against the cost of the annual fee.
Do you value the ability to transfer rewards to travel partners? If you travel frequently, the Ink Business Preferred offers significant advantages.

Comparative Table of Chase Ink Sign-Up Bonuses (March 2025)

Card Name	Sign-Up Bonus	Spending Requirement	Annual Fee	Reward Type	Best For
Ink Business Preferred®	90,000 pts (Potential 100k+)	$8,000 in 3 months	$95	Ultimate Rewards Points	Businesses that value flexible and high-value travel rewards.
Ink Business Unlimited®	$750 cash back (Potential $900 limited-time)	$6,000 in 3 months	$0	Cash Back	Businesses seeking straightforward cash back with no annual fee.
Ink Business Cash®	Up to $750 cash back + potential 10% first-year bonus	$6,000 in 6 months (tiered)	$0	Cash Back	Businesses with varied spending and interest in bonus categories.
Ink Business Premier®	$1,000 cash back	$10,000 in 3 months	$195	Cash Back	Businesses with significant initial spending and preference for cash back.

Maximizing Value from Chase Ink Sign-Up Bonuses

Combine Cards: Strategically use different Ink cards for their respective strengths (e.g., Preferred for bonus categories, Unlimited for everything else).
Convert Rewards: If you have a premium Chase card, you can often convert cash back from Unlimited or Cash into valuable Ultimate Rewards points.
Stay Informed: Keep an eye out for targeted spending offers for existing cardholders.

Eligibility Considerations

Qualifying for a business credit card might be easier than you think. Even freelancers, sole proprietors, and small side businesses can often be eligible. You don’t necessarily need a large, established corporation.

Conclusion: Choose the Bonus That Best Fuels Your Business

As of March 2025, Chase offers a compelling array of sign-up bonuses across its Ink Business credit card lineup. The Ink Business Preferred stands out for its potential for high-value travel rewards, while the Ink Business Unlimited provides a strong cash back option with no annual fee. The Ink Business Cash offers valuable rewards in specific spending categories, and the Ink Business Premier caters to businesses with significant initial expenses.

Ultimately, the “best” sign-up bonus depends on your business’s unique needs and spending patterns. Carefully consider your priorities and choose the card that will provide the most significant value for your business in the long run.

Important Note: Credit card offers and terms are subject to change. Please visit the official Chase website (Link to Chase Business Credit Cards Here) for the most current information and to verify all details before applying. Consider consulting with a financial advisor to determine the best credit card strategy for your specific business needs.