Ink Business Unlimited

The Ink Business Unlimited from Chase offers a $750 sign-up bonus worth approximately $750. You need to spend $6,000 in 3 months, which requires planning but is achievable with regular expenses.

As a business card, the Ink Business Unlimited does not report to personal credit bureaus (for most issuers) and does not count toward Chase's 5/24 limit — though you must be under 5/24 to be approved. You do not need an LLC to apply — sole proprietors with any side income qualify.

Beyond the sign-up bonus, the card earns 1.5% on eligible business purchases without a category cap on top of 1.5% on eligible business purchases. Ultimate Rewards points can be transferred to airline and hotel partners for outsized value, or redeemed at 1.25-1.5x through the Chase travel portal with a Sapphire card.

With no annual fee, this card is a keeper — you can hold it indefinitely without cost. The card requires good credit (670+).