If you’ve been here a while, you know that I LOVE business cards, and I wish I had gotten started with business cards much sooner than I did. This guide will cover everything you need to know about one of my favorite business cards, the Chase Ink Business Unlimited® Credit Card. If you’re looking for a simple yet rewarding business card with no annual fee (yes, no annual fee!), this card might just be your perfect match. Plus, we go over how to apply and who is eligible for it!
With these points, you can easily book incredible luxe and unique stays like this one at Richard Branson’s Kasbah Tamadot in Morrocco through Chase Travel℠. (Which was AMAZING, by the way – we LOVED Morrocco!) Alternatively, you can combine these points with your other Chase points, transfer them, and book directly with brands like Hyatt, United, Southwest, Marriott, AirFrance, and more. (More on transferring below)
A Quick Note About Chase Travel℠
If luxe and unique stays aren’t your jam, then no worries! You can book seriously almost any hotel in the world through Chase Travel℠, from the smallest bed and breakfasts, to hostels or to Four Seasons and Rosewood properties.
Everything There Is To Love About The Ink Unlimited
Quite a few things make this card one of the best of the best, but here are a few stand-out features and why it’s been a game-changer for us!
Elevated Welcome Offer!
Right now, new cardholders can earn $900 or 90,000 Chase Ultimate Rewards points—after spending $6,000 within the first three months of account opening. This is up from the standard offer of $750/75,000 points! This offer is amazing and doesn’t come around very often.
Wait? Is This a Cash Back Card or a Rewards Card?
This is an excellent question and something that tripped me up at first! While this card is marketed as a “cash back” card, you actually earn 90,000 Chase Ultimate Rewards points that you can either use to book travel or to cash out—hence the $900 marketing.
Earn $900 Bonus Cash Back or 90,000 Chase Ultimate Rewards after you spend $6,000 on purchases in the first 3 months from account opening.
1.5x Points on Every Purchase
This is one of, if not the easiest, business cards regarding category multipliers and spending bonuses. There is no need to keep track of rotating categories or particular spending limits – which this busy mom and small business owner appreciates! With the Ink Business Unlimited Card, you earn a flat 1.5 points per dollar on every purchase with no cap. Whether you’re stocking up on supplies, dining out, or booking travel, every purchase earns the same amount. This means it’s a solid card to regularly reach for if you aren’t sure what card to use.
Expert Tip:
This is the card I like to use on my purchases that wouldn’t otherwise have a category multiplier. It’s great for utilities, supplies, etc…
No Annual Fee
Yes, you read that right—no annual fee! This means you get all the benefits of the card without worrying about an additional yearly cost. The fact that this card has no annual fee, a fantastic welcome offer, and solid earning potential means that it’s a no-brainer option for almost anyone.
Solid & Easy Redemption Options
- Cash Back: Easily redeem your points for cash back, which can be applied as a statement credit or direct deposit into your bank account.
- Travel: Use your points to book travel through Chase Travel℠, allowing you to explore options like flights, hotels, and car rentals while maximizing your rewards.
- Transfer: With the right card, you can combine your Chase Ultimate Reward points and transfer the points earned with this card!
Expert Tip – Using These Points to Transfer:
If you hold any one of these three cards
Then, all of the points you earn from the Ink Business Unlimited card can be transferred to incredibly valuable transfer partners like Hyatt, Southwest, FlyingBlue, United, Virgin Atlantic, and more!
All you need to do is transfer your points within your online Chase account to one of the three cards listed, and you’re all set to transfer your points earned from Ink Unlimited.
To learn more, check out our Chase Transfer Guide here!
Travel and Purchase Protections
Holding and using the Ink Unlimited gives you access to some great travel and purchase protections and other security features.
For example, if you buy something with your card that gets damaged or stolen within 120 days, eligible items are covered for up to $10,000 per claim and $50,000 per account.
You can also access travel protections like an Auto Collision Damage Waiver and Lost Luggage Reimbursement.
Qualifying for the Ink Unlimited Without a Traditional Business
Since this is a business card, it’s fair to wonder if you are eligible for it? The good news is that if you have a side hustle or small business (basically anything outside of your 9-5 that you’re doing to try to earn some extra cash), then you’re probably eligible! In other words, you don’t need an LLC, a formal business office with an address, or a team of employees to apply for this card.
If you have questions, we go over business card eligibility and show you exactly how to apply for a business card without an LLC here.
Who This Card is NOT For
If meeting the minimum spend feels like a major stretch, or if you and your partner don’t have any side hustle or small business up to this point, this might not be the right card for you. I wouldn’t write business cards off in full, but starting with a card like the Chase Sapphire Preferred or the Capital One Venture might be better. Both these cards are categorized as personal cards (so you don’t need a side hustle at all) and they are excellent options for anyone starting out!
Wrapping It Up – My Take on the Chase Ink Business Unlimited® Credit Card
I can’t recommend this card enough! With no annual fee, 90,000 bonus points, and unlimited 1.5x points on all purchases, this is one of the best business cards available. My husband and I both have this card, and it’s a staple in our wallet. Whether you’re just starting your business or have an established side hustle, this card offers unbeatable value!
Don’t Forget You Get…
- $900 or 90,000 Chase Ultimate Rewards points as a new card holder, after spending $6,000 within the first three months of account opening.
- Unlimited 1.5x Points on Every Purchase Beyond the welcome offer, you’ll continue to earn 1.5x points on every dollar you spend, with no cap. This makes it a powerful card for both everyday expenses and big purchases alike.
- Chase Ultimate Rewards® Flexibility Although this is technically a cash-back card, the rewards are issued as Chase Ultimate Rewards points. You can:
- Redeem your points for $900 cash.
- Book within Chase Travel℠
- OR maximize their value by transferring to a premium Chase card, like the Chase Sapphire Preferred® or Chase Sapphire Reserve®. This unlocks the ability to transfer points to travel partners such as Hyatt, United, Southwest, and many more—potentially stretching the value beyond $900!
Earn $900 Bonus Cash Back or 90,000 Chase Ultimate Rewards after you spend $6,000 on purchases in the first 3 months from account opening.
Frequently Asked Questions About The Chase Ink Unlimited
1. Who is eligible for the Chase Ink Unlimited Credit Card?
The card is designed for those with side gigs, businesses, or freelancers. If you have activities that generate any additional income, such as selling on Etsy, tutoring, selling things on Facebook Marketplace or providing childcare, you probably qualify. Use your Social Security Number if you’re applying as a sole proprietor.
2. What kind of expenses earn 1.5 points per dollar?
Almost every single purchase you make earns 1.5x the points per dollar!
3. How can I redeem my points for travel?
Points can be redeemed through Chase Travel℠. This includes options like flights, hotels, and car rentals, providing greater value for your earned points. OR, if you hold either the Sapphire Preferred, Sapphire Reserve, or the Ink Preferred, you can also transfer your points! To learn more about transferring Chase points, see our Guide to Transferring Chase Points here!
You can also cash out your points for $900 – although this isn’t recommended because you can get more value the other ways.
4. Can I Hold this Card If I Already Have Another Chase Business Card?
In short, yes! If you already hold the Ink Business Cash® Credit Card or the Ink Business Preferred® Credit Card, you can still apply for this one. Chase allows you to have all three of their Ink business cards simultaneously, meaning you can stack rewards across cards for different spending categories.
5. Are there foreign transaction fees with this card?
There are no foreign transaction fees, making it an ideal option for international purchases and travel.
6. What purchase protections does this card offer?
The card provides coverage for new purchases against damage or theft within the first 120 days and offers extended warranty protection on eligible purchases. Be sure to review the terms for specific coverage limits and conditions.
7. How does the application process work for someone without a registered business?
Individuals without a formal business can apply using the name of their sole proprietorship or their own name, using their Social Security Number for the tax ID. For more information about applying for the Chase Ink Unlimited, see this article here.
