Chase Ink Business Unlimited Credit Card Review
Key Takeaways
As a no-annual-fee business card, the Ink Business Unlimited delivers outsized value. The sign-up bonus is typically 75,000 points after spending $6,000 in the first 3 months, and we’ve seen it go as high as 90,000 — well worth waiting for. You earn a flat 1.5x on every purchase, making this a great “catch-all” card for ubonused spending. And if you're playing the two-player game, you can earn an additional 20,000 points through referral bonuses. If you're building Chase Ultimate Rewards, this is a no-brainer addition to your card setup.
Why This Card Could Be Right For You
The Chase Ink Business Unlimited is ideal for small business owners and freelancers who want simplicity and long-term value. It’s especially powerful when paired with a Chase Sapphire Preferred or Reserve card to unlock travel transfers.
- Earn 75,000 points after spending $6,000 in the first 3 months (worth $750+ in travel, or much more with transfer partners)
- Get 1.5x points on every purchase, with no caps or categories to track
- Enjoy built-in travel and purchase protections, 5x points on Lyft rides, and the ability to hold multiple cards across businesses
To transfer points to travel partners, you’ll need to combine your rewards with a Chase Sapphire Preferred or Reserve account. Once you do, those points become some of the most valuable in the game.
When The Usual Advice Doesn't Apply
This card may not be ideal if:
- You're hoping for a higher bonus — sign up bonuses have reached 90,000 points in the past, and may return
- You prefer category multipliers for business spend — Ink Cash offers 5x on office supplies and 2x on gas and dining
What to Know About Chase Ultimate Rewards
Chase Ultimate Rewards is our most valued point system.
- These points are the most flexible of any credit card points. You can book travel items directly through the Chase portal, including cruise, car rental, or speciality hotel. (Or transfer points to their partners).
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” (either 1.5x or 1.25x) on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
How The Chase Ink Business Unlimited Credit Card Fits In The Chase Ultimate Rewards Ecosystem
This card pairs perfectly with the Chase Sapphire family and other Ink business cards to help you optimize every dollar you spend.
- Compared to the Ink Business Cash, this card earns 1.5x on all purchases (vs. category-specific multipliers on the Cash)
- Neither the Cash nor Unlimited allows direct point transfers to travel partners — you must combine with a Sapphire Preferred or Reserve
- Both cards avoid the 5/24 rule, making them ideal for building up points without affecting personal card eligibility
My Experience, No Filter
In our two-person household, my wife and I used our various side gigs to open multiple Ink Business Unlimited cards. We referred each other to earn 20,000-point referral bonuses, and we timed our applications during elevated 90,000-point offers. That meant 110,000 points per card, and we repeated the strategy across multiple businesses. For a no-annual-fee card, it’s one of the best plays in the game. The points stacked up fast — and they transferred perfectly to our Sapphire Reserve for 1.5x travel redemptions.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $7,500 | 1.6 ¢ | $25 | $0 |
$1345
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Hyatt & airline transfers | 1.5X on all purchases | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Award System
Most Recent Special Offer
$6,000 spend ended Nov 2024
Spend Categories
1.5X points
2.4¢ Per Dollar Spent
1.5X points
2.4¢ Per Dollar Spent
1.5X points
2.4¢ Per Dollar Spent
1.25X points
2¢ Per Dollar Spent
1.5X points
2.4¢ Per Dollar Spent
1.5X points
2.4¢ Per Dollar Spent
1.5X points
2.4¢ Per Dollar Spent
5X points
8¢ Per Dollar Spent
1.5X points
2.4¢ Per Dollar Spent
Card Benefits
Using this card when renting for business gives you primary car rental insurance, and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage abroad.
Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
This card extends the time period of the U.S. manufacturer's warranty by 1 additional year, on eligible warranties of 3 years or less.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends No
Travel Partner Transfers
Chase Ultimate Rewards Outside Point System
Transfers Out To
1:1 88% value retained
1:1 69% value retained
1:1 63% value retained
1:1 81% value retained
1:1 75% value retained
1:1 38% value retained
1:1 81% value retained
1:1 44% value retained
1:1 81% value retained
1:1 81% value retained
1:1 81% value retained
1:1 88% value retained
1:1 106% value retained
Chase Ink Business Unlimited Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Ranking of Cards Offering Chase Ultimate Rewards
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database: