Chase Business Card Bonuses Just Jumped: $1,000 Cash and 200,000 Points
⏱ 4 Min Read
Credit card information was independently collected by Hawaii Reward Travel and not reviewed or provided by the issuer.
In This Article
The two no-annual-fee cash cards now offer sign up bonuses of $1,000, and the premium business travel card is back to its top 200,000-point bonus.
If you run a business or even a small side hustle here in the islands, these are worth a serious look, because business spending you are doing anyway can turn into a real chunk of travel out of Hawaii. Here is the breakdown.
The new business card offers
| Card | Bonus | Spend | Window | Annual fee |
|---|---|---|---|---|
| Ink Cash | $1,000 cash | $8,000 | 4 months | $0 |
| Ink Unlimited | $1,000 cash back | $8,000 | 4 months | $0 |
| Sapphire Reserve for Business | 200,000 points | $30,000 | 6 months | $795 |
Bonus terms per Chase. The 200,000-point offer is the return of this card's top launch-level bonus.
What each one is good for
- Ink Cash and Ink Unlimited. Both have no annual fee and now hand you $1,000 (as a new cardmember bonus) for $8,000 of spend in four months. Ink Cash leans into bonus categories like office supplies, internet, cable, and phone, while Ink Unlimited keeps it simple with a flat rate on everything. For most small operators, either one is an easy first business card.
- Sapphire Reserve for Business. This is the premium play. The 200,000 points are transferable Chase Ultimate Rewards, worth roughly $4,000 toward travel, and Chase pitches more than $7,000 in total first-year value once you count the statement credits. The catch is the $795 annual fee and a $30,000 spend bar in the first 6 months.
The reason the Sapphire Reserve for Business stands out for us is the currency. Those are the same flexible points you would use to book outbound flights and hotels, so a 200,000-point haul can cover a serious trip off-island. If you are weighing it, it helps to know what those points are actually worth before you commit to the spend.
Is the spend worth it?
Big bonuses come with big spend requirements, so the honest question is whether you can hit these without forcing it. The cash cards ask for $8,000 in four months, which is about $2,000 a month. The Sapphire Reserve for Business wants $30,000 in six months, which is real money, around $5,000 a month.
Scottie's Take
For kamaʻāina with a business or even a side hustle, the two $1,000 no-fee cards are about as easy a yes as it gets, assuming you have the spend to clear $8,000 within the first 4 months cleanly. Free money, no annual fee, not much to overthink.
The Sapphire Reserve for Business is the one I would slow down on. A 200,000-point haul is genuinely exciting, and as transferable points for getting off the islands it is hard to beat. But $30,000 of spend (especially in 6 months) and a $795 fee is not for everyone, and it only makes sense if you will actually use the credits. If that is you, this is one of the strongest offers on the market right now. If it is not, grab the $1,000 bonus from the Ink Unlimited or Cash and move on. Which way are you leaning? Drop a comment or reach out, happy to talk it through.
