Turn $1,000 Cashback Into 100,000 Chase Points: Ink Business Unlimited Guide 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
The Ink Business Unlimited® Credit Card just broke its own record. Chase has been offering its best ever $1,000 cashback (aka 100,000 points) bonus after $8,000 in spend over four months. Last Chance: this offer ends on September 17, 2026, at 9 am EST.
The card has never been higher than this publicly, and the gap over its typical 75,000 point bonus is significant. You're looking at a 33% bump over the standard offer, which translates to at least $1,000 in cash back or thousands of dollars in travel value if you pool the points with a Chase Sapphire Reserve®.
The standard public offer on this card sits at ~75,000 points, which is what you'd encounter across most of the card's history in any average window. The card's standard welcome bonus as a cash back redemption is $750.
What makes 100,000 points worth stopping for is the math. Compared to that 75,000-point baseline, this offer is 33% larger. For a card earning 1.5x on every purchase, that extra 25,000 points is the equivalent of $16,667 in everyday spending. You don't earn your way to that gap through normal business activity.
There have been elevated 90,000-point windows over the card's history, but 100,000 points breaks past all of them.
Offer Level | vs. Standard Offer | Cash Back Value |
|---|---|---|
75,000 points (standard offer) | Baseline | $750 |
90,000 points (most recent elevated offer; September 2025 to November 2025) | +20% | $900 |
100,000 points (Last Chance, ends on September 17, 2026, at 9 am EST) | +33% | $1,000 |
If you've been watching this card and waiting for a reason to apply, the case for acting now is stronger than it has ever been on record.
The spend requirement breaks down to $2,000 per month over four months. For a small business, that's a number most owners hit without adjusting anything.
A fairly ordinary month might look like this:
Software subscriptions (QuickBooks, Slack, Adobe, Zoom, ChatGPT): ~$500 toward tools your business is already paying for every billing cycle
Office supplies and equipment: ~$400 for the kind of restocking that happens whether you're chasing a bonus or not
Business travel and meals: ~$700 covering client dinners, flights, or hotel stays
Marketing, ads, and other recurring services: ~$400 for the everyday line items that keep a business running
That's $2,000 in routine spending. Because the card earns 1.5x on everything with no category restrictions, every dollar you put toward the minimum spend is also earning ongoing rewards at the same time.
Reminder: never go into debt for a credit card bonus. That is not a good idea. The bonus only makes sense if this spend reflects what your business would do anyway.
The Ink Business Unlimited earns 1.5% cashback on every purchase with no category restrictions. That's a straightforward earn rate, but the real question is what those points are actually worth once you have them.
Used as straight cash back, the bonus is worth $1,000. Just straight, cold cashback.
However, Chase cashback is actually earned as Ultimate Rewards points, which means the bonus is equivalent to 100,000 points.
The ceiling gets higher if you hold a premium Chase card alongside the Ink Business Unlimited. Ultimate Rewards points pool across Chase cards, so you can transfer your Ink points into a Chase Sapphire Reserve® or Sapphire Preferred account and unlock transfer partners or higher redemption rates through Chase Travel. 100,000 points... is a lot.
If you're willing to go further, Chase's transfer partners are where Ultimate Rewards points can really stretch. Some standout redemption examples:
Transfer to Hyatt at a 1:1 ratio and book a Category 4 property for 15,000 points per night, which works out to well under 1 cent per point at many full-service hotels that run $250+ per night in cash.
Transfer to Virgin Atlantic at a 1:1 ratio to book ANA business class one-way to Japan for 60,000 points, a redemption that would cost thousands in cash.
Transfer to United MileagePlus for domestic saver awards
At the top end of transfer partner redemptions, the 100,000-point bonus alone can cover round-trip business class for one person or multiple premium economy awards.
Last Chance: this limited-time offer ends on September 17, 2026, at 9 am EST. It's the best offer we've ever seen on the card (and it's one of my favorite business cards for a reason).
If you're under 5/24 and $8,000 in 4 months fits your business, applying now and pairing with a Sapphire card lets you capture both the best-ever bonus and the full 1:1 Hyatt value before the deadline. Use nextcard to track your spend automatically so you know exactly where you stand without doing the math manually.
100,000 Chase Ultimate Rewards points after spending $8,000 in the first 4 months from account opening. Last Chance: this offer ends on September 17, 2026, at 9 am EST. That's $1,000 as straight cash back, or more if you pool the points with a premium Chase card. It's the best ever offer seen for this card.
The Ink Business Cash® Credit Card also has a similar offer. Find out which Ink is best for you here.
Last Chance: this limited-time offer ends on September 17, 2026, at 9 am EST. The standard public offer is typically 75,000 points, and elevated windows have topped out at 90,000 in the past.
The Ink Preferred and Chase Sapphire Preferred-to-Hyatt transfer ratio drops from 1:1 to 4:3 on October 1, 2026. Pooling your points into a Sapphire Preferred or Sapphire Reserve account before that date preserves the full 1:1 ratio, since Sapphire cards keep the better transfer rate.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
