For businesses looking for a no-annual-fee cash back credit card, check out the new Ink Business Unlimited® Credit Card.
New cardholders can enjoy a welcome offer of $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Ink Business Unlimited® Credit Card
Earn an unlimited 1.5% cash back on every purchase made for your business, plus other business boosting benefits.
You actually get 75,000 Ultimate Rewards points as your welcome offer even though it’s promoted as $750 cash back. Your points go much further when you transfer(using a Sapphire Preferred) to a travel partner like Hyatt or most of the airlines.
Update 11/20/24: With 1.5X earning on the $6K spending requirement for the sign up bonus, you’ll end up with 84K UR Points!
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Chase Ink Business Unlimited Card Summary
| Bonus Available | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. |
| Ongoing Rewards/Benefits | Earn unlimited 1.5% cash back rewards on every purchase made for your business.
Employee cards at no additional cost. Purchase Protection – Covers your new purchases for up to 120 days against damage or theft up to $10,000 per claim and $50,000 per account. Primary car rental insurance. You must prove that you are traveling on business. Earn 5x UR points on Lyft, until March 2025. |
| Foreign Transaction Fees | 3% |
| Annual Fee | $0 |
Ink Business Unlimited® Credit Card Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Redeeming Your Rewards
With Ink Business Unlimited® Credit Card, the rewards you earn come in the form of Chase Ultimate Rewards points. You can redeem them for:
- Cash: As statement credit to apply toward your balance, or directly deposited to most United States checking and savings accounts.
- Travel: For premium vacation packages, cruises or fly any class on most major airlines. There are no restrictions or blackout dates on airfare booked through Chase Ultimate Rewards.
- Gift cards: Over 70 gift card options available including Home Depot, iTunes, Amazon and Staples.
- Amazon items: Instantly redeem your points to pay for all or part of your eligible Amazon order, including tax and shipping.
Each Chase Ultimate Rewards point is worth $0.01, except for Amazon items which has a lesser value.
Maximizing Your Rewards
If you want to get the most out of your points, move them to other credit accounts that earn Chase Ultimate Rewards.
Cards like Chase Sapphire Preferred card and the Chase Sapphire Reserve Card.
This will help boost your points value when you book for travel through Chase:
- Sapphire Preferred + Ink Business Unlimited = $0.0125/point
- Sapphire Reserve + Ink Business Unlimited = $0.015/point
Additionally, you’ll also be able to transfer to other loyalty programs at a 1:1 ratio if you have either of the cards above.
So the 10,000 UR points = 10,000 points/miles with the transfer partner. You can get up to an average of 2¢ per point value by doing this.
Benefits Built For Your Success
If you run into a problem away from home, call the Benefit Administrator.
You can get legal and medical referrals or other travel and emergency assistance.
You will be responsible for the cost of any goods or services obtained.
Safeguard your account with real-time fraud monitoring.
Extend the time period of your U.S. manufacturer’s warranty by an additional year.
This benefit is eligible warranties of three years or less.
For unauthorized charges made with your card or your account information, you won’t be held responsible.
New purchases are covered for 120 days against damage or theft.
This benefit will cover up to $10,000 per claim and $50,000 per account.
Decline the rental company’s collision insurance and charge the entire rental cost to your Ink Business Unlimited® Credit Card.
Coverage is primary when renting for business purposes.
Receive reimbursement up to the actual cash value of the vehicle for theft and collision damage.
This benefit is available for most cars in the U.S. and abroad.
Bottom Line
The Ink Business Unlimited® Credit Card is an excellent addition to the Ink collection to aid in the gaps that the Ink Business Premier, Ink Business Cash card and Ink Business Preferred card don’t cover.
Use it to its fullest potential by pairing it up with a Chase card that offers Ultimate Rewards points.
This way, it offers one of the best returns on non-bonus spending for any business card.
This card is a great option for business expenses that don’t fall into the spending bonus categories other cards have.
If you’re interested in what more Chase has to offer, take a look at our list of the best Chase Bank promotions and the best Chase credit cards currently being offered.
For more options see our latest list of the best credit card bonuses.
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See rates & fees here.
There are three versions of the Ink Business cards from Chase. You can compare this card to the other two: Ink Business Preferred card, Ink Business Premier card, and the Ink Business Cash card.
* This card is issued by Chase Bank. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
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