Travel on Points

Review: Chase Business Ink Unlimited

The Chase Business Ink Unlimited is a great no annual fee, cash back card that can be combined with an Ultimate Rewards earning card for travel.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Review: Chase Business Ink Unlimited

The Chase Business Ink Unlimited is a great no annual fee, cash back card that can be combined with an Ultimate Rewards earning card for travel.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

The Chase Business Ink Unlimited card is a great no annual fee, cash back earning card with Ultimate Rewards earning potential.  The card is very similar to the personal version, the Chase Freedom Unlimited.  As a business card, Ink Unlimited requires you to have a business in order to qualify for this card.  Like other Chase cash back cards, pairing the Ink Unlimited with a Sapphire card or an Ink Preferred gives you the ability to turn your cash back into URs.

Current Offer

The current offer for the Chase Business Ink Unlimited is an all-time high of $900 (or 90,000 URs) after spending $6,000 in three months. The card does not have an annual fee.

Like other Chase cards, the Chase Business Ink Unlimited is also subject to Chase's 5/24 rule. This means Chase will not approve you for this card if you have opened 5 or more credit cards during the last 24 months. Chase also will not approve you if you have opened a credit card during the last 30 days.

Earn Rate

The Chase Business Ink Unlimited earns 1.5% on all spend, no matter the category, similar to the Chase Freedom Unlimited. This makes Chase Business Ink Unlimited a good candidate for the powerful Chase trifecta.

Although the Chase Business Ink Unlimited is technically a cash back earning card, the points earned can be used for travel as long as you also hold a UR-earning card like the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Business Ink Preferred. This means the Chase Business Ink Unlimited can earn you 1.5 URs on all spend. You can then transfer those URs to Chase's many travel partners.

Our Analysis

Similar to the Chase Business Ink Cash, the Chase Business Ink Unlimited is another 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.

Final Thoughts

The Chase Business Ink Unlimited 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 URs should seriously consider adding a Chase Business Ink Unlimited to their wallet.

What do you think of the Chase Business Ink Unlimited? Come share your thoughts in our Facebook group!

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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