Ink Business Unlimited® Credit Card Review
The Ink Business Unlimited® Credit Card is a great no annual fee, cash back earning card with Ultimate Rewards earning potential (more on that in a bit). The card is very similar to the personal version, the Chase Freedom® Unlimited. As a business card, the Ink Unlimited requires you to have a business in order to qualify for this card. We will cover the welcome offer, earning structure and share our overall thoughts in this Ink Business Unlimited® Credit Card Review.
Update 10/24/24: this offer is set to end on 9 AM EST on 11/7/2024
Chase Ink Unlimited Welcome Offer Details
The current offer for the Ink Business Unlimited® Credit Card is the following:
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- This card has a $0 annual fee.
Chase Application Rules
Like other Chase cards, you will not qualify for this card if you have opened more than 5 credit cards with any bank in the last 24 months. It is worth noting that since this card is a business card it will NOT add to your 5/24 count, but you do need to be under it to get the card.
Ink Business Unlimited® Credit Card Review: Earning Rates
The Ink Business Unlimited® Credit Card has a very straightforward earning structure:
- Earn 1.5% / 1.5x back on all eligible purchases with no earning cap
That is it, as simple as it gets!
How To Turn Your Cashback Into Ultimate Rewards
While you can earn cash back with the Ink Business Unlimited® Credit Card, you can also use your points for travel. This is even more valuable if you have on of the following premium Chase cards:
That is because the Ink Unlimited is a part of the Chase Ultimate Rewards program allowing you to transfer points between all of your accounts. Once your points are in an Ultimate Rewards earning account (one of the three cards listed above), you can transfer points 1:1 to a variety of airline and hotel partners.
Card Benefits
Like the Ink Business Unlimited® Credit Card, if there is one knock on the Ink Business Unlimited® Credit Card it is that there are not really any card perks to speak of. It is nice that the points earned with the Ink Unlimited can be turned into transferrable Ultimate Rewards if you have the proper card lineup (discussed above). That gives users the chance at additional value and why getting the Chase Trifecta is so important.
Chase Ink Unlimited: ToP Analysis
The Ink Business Unlimited® Credit Card is a card that deserves a spot in many wallets. A no-annual-fee card that earns 1.5x URs on every single purchase and doesn't take up a 5/24 spot is a must-have for anyone building a UR-earning card portfolio. Simply put, the Chase Business Ink Unlimited is one of the best credit cards for everyday purchases, especially for those focused on earning Chase URs. Many will love the simplicity of the earning structure, especially for business partners less willing to shuffle through cards to earn the best rate.
The welcome offer deserves its time in the sun as well. At the current level it is one of the best offers in the business, or personal, credit card arena. Especially if you are able to unlock the cash back earned and turn them into full blown Ultimate Rewards, which can bring you up to 50% – 100% more value!
Ink Business Unlimited® Credit Card Review: ToP Thoughts
The Ink Business Unlimited® Credit Card is a great everyday credit card for non-bonused spend. Earning 1.5x on every purchase, with no annual fee, makes this card a definite keeper. Even better, this card does not take up a 5/24 slot since it is a business card. Any award traveler looking to earn more Ultimate Rewards should seriously consider adding a Chase Business Ink Unlimited to their wallet.
What do you think of the Ink Business Unlimited® Credit Card? Come share your thoughts in our Facebook group!
