How to Score the Massive 100,000-Point Bonus on the No-Annual-Fee Ink Business Cash
The Chase Ink Business Cash® Credit Card is currently sporting its highest-ever welcome offer, providing an incredible opportunity for small business owners and side-hustlers to rake in a massive haul of points with no annual fee.
Bonus and Spend Requirements
New cardmembers can earn 100,000 bonus points (equivalent to $1,000 cash back) after spending $8,000 on purchases in the first 4 months from account opening.
While the bonus is marketed as “cash back,” if you also hold a premium Ultimate Rewards card—like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card—you can transfer these points to Chase’s travel partners for even greater value.
Annual Fee
The Ink Business Cash has a $0 annual fee, making the entire 100,000-point bonus pure profit for your business.
Key Benefits and Credits
- 5% Cash Back (5x Points): On the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
- 2% Cash Back (2x Points): On the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- 1% Cash Back (1x Points): On all other purchases.
- Primary Rental Car Coverage: When renting for business purposes.
- Purchase Protection: Covers new purchases for 120 days against damage or theft.
Estimated First-Year Value
| Item | Value |
|---|---|
| Welcome Bonus (100,000 points) | $1,000.00 |
| Estimated earn from $8k spend (at 1x) | $80.00 |
| Total First-Year Value | $1,080.00 |
| Annual Fee | $0.00 |
| Net First-Year Value | $1,080.00 |
Note: Value based on a 1 cent-per-point baseline. Value can exceed $2,000 if transferred to strategic travel partners.
PointsGobbler Verdict
The Ink Business Cash is a staple in any serious points-and-miles arsenal. This $8,000 spend requirement is higher than previous versions of this offer, but the 100,000-point payoff is unparalleled for a no-annual-fee card. If you have any qualifying business income—including freelancing, tutoring, or selling items online—this is the single best deal on the market right now.
Always verify the latest offer terms on the official Chase website before applying.