Business Card

Chase Ink Business Unlimited Credit Card

Written by: Lenny Pappano

The Chase Ink Business Unlimited is a must-have for any small business owner or side hustler looking to rack up Chase Ultimate Rewards points without paying an annual fee.

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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

If you have multiple businesses or side hustles, you can apply for more than one Ink Unlimited (or Ink Cash). Just space out your applications by 3–6 months and keep some spend on each card to stay in Chase’s good graces. Canceling unused cards after a year is also a good housekeeping move if you’re not using them.

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
Southwest, United & Hyatt transfers	1.5X points on all purchases	No CR , 5/24 , Chase 2/30 , Chase 4/6

AWARD SYSTEM

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