Chase Ink Business Unlimited Credit Card Review
Key Takeaways
As a no-annual-fee business card, the Ink Business Unlimited delivers excellent value. The 75,000 point signup bonus after spending $6,000 in the first 3 months is one of the best offers available on a no-fee business card. Because of the Chase Ink No Fee Lifetime Rule, it can make sense to wait for an elevated offer, since you can only earn the welcome offer on either this card or the Chase Ink Business Cash once between the two cards. The card also earns a flat 1.5x points on every purchase, making it an excellent “catch-all” card for non-bonused spending, especially when paired with a Chase card that unlocks transfer partners.
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 becomes especially powerful when paired with one of the Chase cards that unlocks transfers to airline and hotel partners, since that’s where you can get the highest value from Chase Ultimate Rewards points.
- Earn 75,000 points after spending $6,000 in the first 3 months
- Earn 1.5x points on every purchase with no caps or spending categories to track
- Earn 5x points on Lyft rides
- Receive built-in travel and purchase protections
- Get 3 months of Instacart+ and up to $20 per month in Instacart credits
When The Usual Advice Doesn't Apply
This card may not be ideal if:
- You don't have a Chase card that allows transfers to travel partners
- You prefer category multipliers for business spend, like the Ink Cash that 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
The Ink Business Unlimited works best as part of a broader Chase Ultimate Rewards strategy, especially when paired with Sapphire cards or other Ink business cards.
- Flat-rate earning: The Ink Business Unlimited earns 1.5x points on every purchase, making it a strong “catch-all” card for spending that does not fall into bonus categories.
- Compared to the Ink Business Cash: The Ink Cash offers higher category-specific multipliers, while the Unlimited provides simpler flat-rate earning on all purchases. The Ink Cash also has a 75,000-point welcome offer after spending $6,000.
- Be aware of bonus eligibility rules: The Chase Ink No Fee Lifetime Rule only allows you to earn a welcome offer on one of the two no-fee cards, so choose whichever one fits your spending style best, and wait for an elevated offer if you are able
- Transfer partner access: The Ink Business Unlimited cannot transfer points directly to airline or hotel partners on its own. To unlock transfers, you must pair it with a Sapphire Preferred, Sapphire Reserve, Sapphire Reserve Business, or Ink Business Preferred.
- 5/24 strategy: Like all Chase business cards, the Ink Business Unlimited does not add to your 5/24 count, making it a strong option for earning Chase points without impacting future personal card approvals.
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. Unfortunately new rules prevent utilizing the same strategy.
Card Information
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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
