Bottom Line
All things considered, the Ink Business Unlimited card is a great to grab a sign-up bonus -- and then stash away as a back up card for the long haul. Getting 1.5 points on everything is not a bad option if you don't want to manage your spend categories. But there are so many better plays in the card game if you're willing to use some of the tools and information we provide on this site.
Why You Might Want This Card
Nice Card... But Not Our First Choice
Chase Reward points are great. They're easy to transfer, easy to use, and easy to accumulate with the Ink Business Unlimited. You'll get a sign-up bonus of 75,000 points, and then 1.5 points on all your purchases. Use it on everything, no exceptions, then get the best pay out when you transfer all those Business Unlimited Rewards points to a card like the Sapphire Reserve Card (where you'll get a bonus of 50%). If you're an old pro to the points game, you probably have a wallet full of credit cards that charge an annual fee. This card is a great alternative because you can pull it out for non-bonus spending -- and never pay an annual fee.
Of the three Ink cards, this would be our third choice. All are great, but the other two are a little better for most people. The great thing about the Ink cards is a business can have all three. Just space out your applications at least 6 months apart. Check out our Chase Ultimate Rewards page for more details on how to best use Chase Points.
Exceptions To The Rule
About Chase Ultimate Rewards
Chase Ultimate Rewards are aptly named -- as they are the “gold standard” of points. But most people barely scratch the surface in redeeming these points. Here’s what makes them so valuable:
- Accumulating points is relatively easy with the variety of cards Chase offers, especially their business cards.
- The points are worth a lot... if you have the Reserve Card (why you should). Your points are worth a minimum of 1.5 cents each, and often more with transfer partners.
- Chase has the best values in transfer partners, with Hyatt, United, and Southwest being the top three.
- Chase points are easy to use. The Ultimate Rewards portal is intuitively built for booking travel directly through their portal with points. Or easily transferring those points to partners.
- You can transfer your points with your partner, so long as you share the same address.
The key to maximizing value, though, is how you use those points. Think of Chase Ultimate Rewards as your most easily convertible points. And all other point systems are great, but not nearly as flexible.
How does that affect you in practical terms? If Chase is your hub, you and your partner should also get the Hyatt card, United card, and Southwest card(s) over a year. Let’s say you and your partner have two Chase cards, plus one of each of the other cards. Here is an example of how you can use them:
- Trip One:
- On Hyatt’s site, use 60,000 Hyatt points topped off with a 20,000 Chase point transfer for 4 nights at the all-inclusive at Zilarra Cancun.
- On Southwest’s site, book two flights to Cancun free using your Southwest Points (topped of with a Chase points transfer as needed)
- Trip Two:
- On United’s site, book two round trip tickets to any European city for 60,000 United miles each, top off with Chase Points as needed
- Book hotels on Hyatt’s site using additional Chase transfers as needed. Since you can transfer between Partners, they can be either person’s account to start.
That is just a pair of examples, but it’s a very real scenario. Most people are happy to just use the points to book a free flight or two through the portal. The reality is you can make entire vacations nearly free.
Amex and Citi have similar systems, but the points are more limited in how many you can earn. Also, the value of the transfer partners and the quality of their portals isn’t as good. That’s not to say you shouldn’t be happy when you find those points. We’re just saying all else being equal, we’ll take (or save on using) Chase Ultimate Rewards Points over any other point system.
It’s also worth noting you can’t transfer points back from partners, so never transfer until the actual time of booking. The transfers are usually instantaneous (you might have to log out and log back in to the partner site).
Where Chase Ink Business Unlimited Fits In This Point Ecosystem
Personal Experience
