Ink Business Unlimited vs.
Ink Business Cash

You can get a Chase Ink referral bonus by inviting other business owners to apply for any of the Ink Business credit cards: the Ink Business Preferred® Credit Card, the Ink Business Cash® Credit Card, the Ink Business Premier® Credit Card, and the Ink Business Unlimited® Credit Card. To invite people to apply for an Ink Business card, you must register online with Chase's Refer-A-Business Program to receive a special link.

If someone you refer is approved, you'll receive 20,000 bonus points. You're eligible for five referral bonuses (100,000 points total) each calendar year. Points are typically awarded after the referral's account is approved. The value of these points depends on how you redeem them, and only referrals who are new to Chase business cards qualify for the bonus.

How to Get a Chase Ink Credit Card Referral Bonus

1. Register for the Refer-a-Business program.
   You can register online from the Refer-A-Business page or through the Chase mobile app. To register online, enter your name, zip code, and the last 4 digits of your Ink Business card number. Then, click “Get Started”. You should see your referral link and a list of options for sharing the link.
    
   From the mobile app, log in with your Chase online username and password. You should see the “Refer friends” option. The next page will include the referral link and your sharing options.
2. Share your referral link.
   Once you click the “Copy Link” button, you can send your link through text, e-mail, or social media. You can always copy the referral link and e-mail it on your own. If you have a Facebook or X account, you can post a general invitation link, too.
3. Wait for your referrals to be approved.
   When a referral is approved for the Ink Business card using your referral link, you'll receive 20,000 bonus points. If they are denied, you won't receive the bonus. Rejected applications do not count against your five annual referrals limit.
4. Collect and redeem your bonus points.
   Your bonus points will post to your Chase Ultimate Rewards account within 8 weeks of your referral's application being approved. Because of privacy concerns, Chase will not disclose information on the application status(es) of any referral(s).

Points do not expire as long as your account stays open. You can refer people for any Chase Ink card, regardless of which one you own. However, if they apply for any other Chase card, you won't receive a bonus.

Yes, all Chase Ink credit cards are compatible with Apple Pay, including the Ink Business Cash® Credit Card, the Ink Business Preferred® Credit Card, and the Ink Business Unlimited® Credit Card. To use any Chase Ink card with Apple Pay, you must first add it to the Apple Pay wallet.

This feature allows you to make purchases at retailers without using the physical card. You can also use your card with Apple Pay for in-app purchases. The payment will appear on your Chase Ink card statement as a regular credit card...

The minimum requirements for the Chase Ink Business Unlimited are being an owner, officer, or partner of a business, having at least good personal credit, and earning enough income to make monthly card payments. You'll also need a Social Security number or International Tax Identification Number.

Minimum Chase Ink Business Unlimited Requirements

• Enough income to make the monthly minimum payment
• Social Security number or International Tax Identification Number
• Good credit or better (700+ credit score)
• ...

The main difference between the Ink Cash card and the Ink Plus® Business Credit Card is that only the former is available to new applicants. But it's still worth seeing how they stack up against each other, especially if you already have the Ink Plus® Business Credit Card and are thinking about making a change.

Ink Cash vs Ink Plus® Business Credit Card: How They Compare

Chase Ink Business Unlimited has a referral bonus of 20,000 points per referral, with a limit of 100,000 points per year. It can take up to 8 weeks to receive your bonus after the person you refer opens their account.

How to Get a Chase Ink Business Unlimited Referral Bonus

1. Log in to your Chase account.
2. Navigate to the "Explore Products" tab, then click "Just for you." Scroll down and click "Refer friends now" to find referral...

The Ink Business Unlimited® Credit Card foreign transaction fee is 3% of each transaction in U.S. dollars. This means Chase will add a surcharge anytime you use the Ink Business Unlimited® Credit Card outside of the United States. The fee also applies to online purchases made through an internationally-based merchant.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

The Ink Business Unlimited® Credit Card credit score requirement is 700 or higher. That means people with good credit may have a decent shot at getting approved for the Chase Ink Business Unlimited. You can check your credit score for free here on WalletHub to see if you qualify.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Chase Ink Business Unlimited. Some other key criteria include your income, existing debt load,...

The Ink Cash does not offer cell phone insurance. Cell phone insurance on other cards reimburses the cost of repairing or replacing a damaged or stolen phone if a cardholder regularly pays the phone bill with the card, though it's not a benefit commonly offered by credit card issuers.

If you're in the market for a credit card with cell phone protection, you should consider the Chase Ink Preferred, the Ink Business Premier, and the Wells Fargo Autograph Journey.

The minimum requirements for the Ink Cash are being an owner, officer, or partner of a business, having at least good personal credit, and earning enough income to make monthly card payments. You'll also need a Social Security number or International Tax Identification Number.

Minimum Ink Cash Requirements

• Enough income to make the monthly minimum payment
• Social Security number or International Tax Identification Number
• Good credit or better (700+ credit score)
• ...

The Chase Ink Business Unlimited sign-up bonus is $750 for spending $6,000 in the first 3 months.

In addition to the bonus, the Chase Ink Business Unlimited offers 1.5% cash back on purchases. Its annual fee is $0, and the card is available to people with good credit or better.

For more options, check out WalletHub's picks for the best credit card sign-up bonuses overall.