Best in Class
{{ benefit.description }}
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 transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- 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” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- 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
75,000
Minimum Spend
$7,500 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$0
1st Year Value
{{ firstYearValue }}
Differentiating Perks
1.5X on All Purchases
0% Intro APR for 12 Months
Card Extras
Extra
Worth/Fit
Est. Value
Total Annual Value
{{ totalAnnualValue }}
No extras to display for this card.
Card Benefits
No benefits are available for this card.
Historical Card Offers
{{ offerStats.averageFrequency != null ? Math.round(offerStats.averageFrequency) + ' Months' : 'N/A' }}
Average Frequency
{{ offerStats.averageOfferLength != null ? offerStats.averageOfferLength.toFixed(1) + ' Months' : 'N/A' }}
Average Offer Length
{{ offerStats.estimatedNextOffer ? (['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'][offerStats.estimatedNextOffer.getMonth()] + " '" + String(offerStats.estimatedNextOffer.getFullYear()).slice(-2)) : 'N/A' }}
Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
8.3¢
Per Dollar
Spent
Spent
2.5¢
Per Dollar
Spent
Spent
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
The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee
Chase applications will be declined if 5 new cards have been added to 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
