Small business owners have a great opportunity to earn valuable rewards on their expenses. The Chase Ink Business Unlimited Card is a popular small business credit card option because it earns unlimited 1.5x points on all purchases.
After spending $3,000 in the first three months, you’ll receive 50,000 bonus points. These points are worth $500 and can be redeemed for travel, cash back, gift cards, and more.
If you have other credit cards that earn Chase Ultimate Rewards, you know how valuable these points can be. This is especially true when you combine the Ink Business Unlimited with another card that also earns Ultimate Rewards, such as the Chase Sapphire Reserve. Chase Ultimate Rewards points are a big part of Holly and Greg’s travel strategy because of their flexibility and value.
If you’re thinking about applying for the Chase Ink Business Unlimited Card, here are the main highlights:
- Signup Bonus: You’ll earn 50,000 Ultimate Rewards points after spending $3,000 within three months. These points are valued at $500 when redeemed for travel, cash back, gift cards, and more.
- Earn Unlimited Points on Spending: You’ll earn 1.5x points per dollar spent on every purchase that you make. There are no bonus categories to remember or register for.
- Easy Redemption Options: You can redeem points for cash back with no minimum requirements. There are no blackout dates when booking travel using your points. Plus, you can use your points to purchase gift cards from more than 150 different merchants.
- Employee Cards Are Free: If you want to issue credit cards to your employees, there is no charge to add them to your account. Individual spending limits can be assigned to each employee.
- Annual Fee: There is no annual fee.
Where It Shines
The Chase Ink Business Unlimited is a great card for busy business owners who want to earn rewards, but don’t want to worry about remembering bonus categories.
You’ll earn an unlimited 1.5x Chase Ultimate Rewards points on every purchase that you make. You don’t have to register for quarterly promotions, nor do you have to think about which credit card to use. Simply use this business credit card for all of your purchases to earn these valuable and flexible points.
When making purchases, you’re also protected with extended warranty coverage and purchase protection. Your warranties are extended an extra year when the U.S. manufacturer’s warranty is three or fewer years. Purchases are protected against damage and theft for the first 120 days. There is a maximum of $10,000 per claim and $50,000 per account.
While traveling, you are covered with primary rental car insurance on business trips. This rental car insurance protects against theft or damage to the vehicle. It does not cover bodily injury or damage to other vehicles or property. You also have access to travel and emergency assistance services and roadside dispatch. However, these assistance and dispatch services may incur a fee or other additional costs when used.
There is no annual fee for the Chase Ink Business Unlimited Card. Plus, employee credit cards can be added at no additional charge. You can even set individual credit limits for employees based on criteria you decide to use.
Tips for Getting the Most From Your Card
To get the most out of your Chase Ink Business Unlimited credit card, use it for all purchases that don’t receive extra bonuses on your other cards. This way, you’ll earn at least 1.5x Chase Ultimate Rewards points on every purchase.
By pairing it with other Chase credit cards that also earn Ultimate Rewards points, you can unlock even more value. The Chase Sapphire Reserve, Chase Sapphire Preferred, and Chase Ink Business Preferred offer bonus points on certain purchases and offer more value for your points.
When redeeming the points earned from the Chase Ink Business Unlimited, they are worth one cent each. This is true whether you are redeeming for travel through the Chase travel portal, for cash back, or for other options. However, these other cards provide higher redemption rates through the portal. So, by pairing with one of these three Chase Ultimate Rewards credit cards, you unlock higher values and the option to transfer to airline and hotel partners.
All three of these are great travel rewards cards and can transfer Ultimate Rewards points to over a dozen hotel and airline partners on a 1:1 basis. You can find incredible deals with these transfer partners, such as booking an all-inclusive stay at the Hyatt Ziva Los Cabos for only 20,000 points per night for one to two people in a standard room.
When booking flights, hotels, or other travel through the Chase Ultimate Rewards travel portal, the Sapphire Preferred and Ink Business Preferred points are worth 1.25 cents each. The Sapphire Reserve’s points are worth 1.50 cents each. For example, the 50,000 bonus points you receive with the Chase Ink Business Unlimited could be worth 50% more, up to $750, when you pair it with the Chase Sapphire Reserve.
What You Might Not Like
Although the Chase Ink Business Unlimited Card offers many attractive features, there are some things about it that you might not like.
- Points Worth One Cent on Travel: When redeeming Ultimate Rewards points for travel, you’ll only receive one cent per point in value. To unlock value up to 1.5 cents per point, you’ll need to pair the Ink Unlimited with another Chase credit card. The Chase Ink Business Preferred, Chase Sapphire Reserve, and Chase Sapphire Preferred are good partner cards.
- No Transfer Partners: Chase Ultimate Rewards can transfer to 13 hotel and airline partners if you have the right credit card. The Ink Unlimited does not offer that feature. To transfer to these partners, you’ll need to pair it with the Ink Preferred, Sapphire Preferred, or Sapphire Reserve.
- Foreign Transaction Fees: If you travel internationally or make international purchases for your business, Chase charges a 3% fee for those charges.
Alternatives to the Chase Ink Business Unlimited Card
Earning unlimited rewards on all of your business spending without having to remember bonus categories is attractive. However, the Chase Ink Business Unlimited Card earns only 1.5x points for every dollar that you spend.
The Capital One® Spark® Miles for Business Card earns 33% more points on every purchase than the Chase Ink Business Unlimited. It earns an unlimited 2x miles on all purchases. Plus, hotel and car rental reservations earn 5x miles when booked through Capital One Travel.
You’ll receive a welcome offer of 50,000 points after spending $4,500 within three months. These miles are worth $500 when covering travel expenses. You can try the Spark Miles credit card for free because the $95 annual fee is waived the first year.
The miles you earn can be used to cover travel purchases with airlines, hotels, and more. There are no blackout dates, and you can book any flight or room available. Plus, Capital One miles can also be transferred to 15 airlines for potentially even more value. Partner airlines include Air France KLM, Cathay Pacific, and JetBlue.
There are no foreign transaction fees when making purchases internationally, and employee cards are available at no extra charge. Plus, the primary cardholder receives reimbursement for Global Entry or TSA Precheck application fees.
Chase Ink Business Unlimited Review: Wrapping Up
The Chase Ink Business Unlimited Card is popular with small business owners because it earns unlimited 1.5x Ultimate Rewards on all purchases. The points earned can be used to purchase travel, redeem for cash or gift cards, or even shop at Apple.
It works best when you pair it with the Chase Sapphire Reserve or Chase Sapphire Preferred. With this combination, you’ll be able to maximize rewards on bonus categories, redeem points for higher value, and transfer to partners.
What’s your favorite way to use the Chase Ink Business Unlimited Card?
Chase Ink Business Unlimited Review: Earn a 50,000 Point Signup Bonus
Rewards Flexibility & Redemption Options
Chase Ink Business Unlimited Card Review
The Chase Ink Business Unlimited Card is a solid card for business owners looking to earn a flat rewards rate. Although other cards offer higher rates in certain categories, this card earns a nice 1.5x points on all purchases. This if you’re looking to simplify the rewards earning process.
Additionally, the Chase Ink Business Unlimited offers a 50,000 point signup bonus when you spend $3,000 in the first three months. Those points are worth $500 and can be redeemed for travel, cash back, gift cards, and more.
So, if you’re looking for a business card that earns an unlimited 1.5x points on spending, the Chase Ink Business Unlimited deserves your consideration. Learn how to apply here.