Chase Ink Business Cash Hits an All-Time-High 100k Bonus — on a $0 Annual Fee Card

The offer

For a limited time, the Chase Ink Business Cash is offering 100,000 Chase points — worth $1,000 as cash back — after you spend $8,000 on purchases in the first 4 months from account opening.

Two things make this notable:

• It’s the all-time high for this card. The standard offer has hovered around $750 for years; 100k is the best bonus the Ink Cash has ever carried.
• The card has no annual fee. A six-figure point bonus on a $0-fee card is close to unheard of — premium cards with $395-$895 fees fight over this territory.

The sibling Ink Business Unlimited (also $0 annual fee) is running the same 100,000-point offer, if flat 1.5% earning fits your spending better than the Ink Cash’s category structure.

Worth $1,000 — or a lot more

Redeemed as cash back, the bonus is a flat $1,000. But these are Ultimate Rewards points: if you (or your business) also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, the 100k can be pooled and transferred to Chase’s airline and hotel partners — where MaxWorth’s valuations put Ultimate Rewards at 1.5¢+ per point, or $1,500+ in travel. That’s how a no-fee business card ends up out-earning most premium welcome bonuses.

Who can get it

• It’s a business card — but sole proprietors qualify: freelancing, reselling, rideshare or contract income counts, applied for under your own name with your SSN.
• Chase’s 5/24 rule applies to getting approved (five or more personal cards opened in 24 months is usually a denial) — though business cards like this one don’t add to your own 5/24 count afterward.
• The $8,000 in 4 months requirement is the highest Chase has attached to this card — roughly $2,000/month. Don’t chase it with spending you wouldn’t otherwise do.

The card itself

Beyond the bonus, the Ink Cash’s earning structure is a specialist’s dream: 5% back on office supply stores and internet, cable and phone services (first $25,000 per year), plus 2% at gas stations and restaurants. That 5% category is why it currently sits at #1 in our no-annual-fee rankings — worth ≈6.25% toward travel when paired with a Sapphire card.

No end date has been announced, but Chase’s elevated Ink offers historically last weeks, not months. Full card details, every earn rate and benefit: Chase Ink Business Cash.