$0 Annual Fee + 90k Point Bonus = One of the Best Chase Business Credit Card Opportunities in 2025
- Points By J
- 6 days ago
- 2 min read
Chase has two $0 annual fee cards with new special sign-up bonuses right now: $900 bonus cash back after you spend $6,000 in the first 3 months of account opening.
What makes these offers extra exciting? The bonus is awarded in the form of Ultimate Rewards points (so, 90,000 points). If you have a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Sapphire Reserve for Business℠ or Ink Business Preferred® Credit Card, then every Ultimate Reward point you earn (across any Chase card!) can be combined into that account. Why does that matter? Those are the Chase cards that allow you to transfer Ultimate Rewards points to their travel transfer partners, including:
Airlines: Aer Lingus, Air Canada, Air France/KLM Flying Blue, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic
Hotels: Marriott Bonvoy, World of Hyatt, IHG Rewards Club
Debating which $0 fee card is a better fit for you? A couple of pointers:
Bonus categories: 1.5x points on every purchase, no caps or categories.
Who it’s best for: If your business doesn’t have a lot of spend in specific categories (or, you just don’t want to track categories) the Unlimited keeps things simple. Every purchase earns 1.5x, no thinking required. It’s a great “catch-all” card to complement other Chase cards.
Bonus categories:
5x points on the first $25,000 spent each account year at at office supply stores and on internet, cable and phone services each account year
2x points on the first $25,000 spent at gas stations and restaurants each account year
1x points on everything else (no limit)
Who it’s best for: If your business spends a lot at office supply stores, or on internet/phone services, this card is a powerhouse. Same if you regularly buy gas or take clients out for meals. The bonus categories can add up quickly, and with no annual fee, it’s easy to keep long-term.
These are some of the best business card opportunities available today because they come with no annual fee and generous sign-up bonuses. For many small business owners, the sweet spot is having both: use Ink Business Cash for its high-value categories, and Ink Business Unlimited for everything else. That way, you’re maximizing every dollar. But, if you're only going to choose one, I'd go for the Unlimited for the simplicity benefits.
If you're worried, “But I don't have a formal LLC, so I probably wouldn't get approved for one of the best Chase business credit cards…”
Not so fast! You don't need a formal business entity to apply. Sole proprietorships can apply using their social security number. This allows businesses of all sizes to get access to business credit cards, including those who:
Sell items on Facebook Marketplace
Do contract consulting work
Babysit
You get the idea! More info on the topic of business card qualification here.
If you do end up applying for a credit card, I appreciate if you apply through the links I include on my website. These are my referral links. It doesn't cost you anything to apply through them, but it supports my small business. This helps me to continue making free content!
