Chase has a handful of elevated offers available on its business credit cards right now.
Depending on the card, new cardholders can earn as many as 200,000 Ultimate Rewards points or $1,000 cash back after meeting a spending requirement.
There are several offers to sort through, but the good news is that the distinction between points and cash back isn’t quite as important as it might seem. And qualifying for a business card can be more straightforward than the name suggests.
Here’s what’s available right now.
Elevated Chase Business Card Welcome Offers Are Available
Several Chase business cards are currently offering elevated welcome bonuses, including cards that earn Ultimate Rewards points and others marketed as earning cash back.
The offers, spending requirements, annual fees, and other benefits vary by card. Click “Learn More” on any card for a closer look.
Ultimate Rewards cards
The Chase business credit cards below earn Ultimate Rewards points. Those points can be transferred to Chase’s airline and hotel partners, redeemed for travel through Chase Travel, and used in several other ways.
Each card varies in its earning rates, benefits, annual fee, and current welcome offer.
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Cash back cards
Chase also offers a couple of business cards that are marketed as cash-back cards. Both have no annual fee and identical bonuses, but they differ in how they earn rewards.
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Anyone interested in traveling with points and miles might be inclined to ignore a cash-back card. But there’s a useful trick for anyone who also has a Chase card that earns Ultimate Rewards points.
That cash back doesn’t necessarily have to stay cash back.
Points or Cash Back? They Can Be Combined
Chase markets some cards as earning cash back. But behind the scenes, those rewards can function a lot like Ultimate Rewards points.
Every $1 in cash back is equivalent to 100 points. Rewards from an eligible cash-back card can then be combined with an Ultimate Rewards account from a points-earning Chase card.
For example, someone with a Chase Sapphire Preferred Card who earns $1,000 cash back from a cash-back Ink Business card could combine those rewards and end up with 100,000 additional Ultimate Rewards points. The same idea works with an eligible business card that earns points, such as the Ink Business Preferred.
That matters because Ultimate Rewards points are incredibly versatile. They can be transferred to Chase’s airline and hotel partners, redeemed for travel through Chase, used for statement credits, and more.
In other words, an offer advertised as $1,000 cash back could effectively become 100,000 Ultimate Rewards points with the right combination of Chase cards.
More on This: How Credit Card Transfer Partners Work
Who Can Get a Business Card?
A business credit card does require a business. But that doesn’t necessarily mean a company with employees, an office, or a huge amount of revenue.
Traditional businesses can qualify, but so can many sole proprietors, freelancers, independent contractors, and people earning money from a side business.
There are also some important restrictions to know about these welcome offers.
For the Ink Business Preferred and Sapphire Reserve for Business, Chase says the new-cardmember bonus may not be available to anyone who has ever had that particular card. Chase also says it may consider factors related to the business when determining bonus eligibility.
The language is broader for the no-annual-fee Ink Business Cash and Ink Business Unlimited. Chase says the bonus may not be available to anyone who has ever had that card or any other Chase for Business card without an annual fee.
That means previous Chase business cards can matter even when applying for a different card, particularly with the no-annual-fee Ink cards.
For the full eligibility requirements, spending requirements, offer terms, and explainers on each card’s benefits, click “Learn More” on the individual card above.
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