Chase Ink Business Unlimited Credit Card Review: Unlimited 1.5% Back with No Annual Fee

The Ink Business Unlimited® Credit Card is a great option for business owners who want a no annual fee cash back credit card. Earn unlimited 1.5% on all purchases without restrictions on categories. Ultimate Rewards can be redeemed for cash back or transferred to select cards for travel.

Key features

• Annual fee: $0
• Spending Multipliers: Earn unlimited 1.5X on all purchases
• Foreign transaction fees: 3%
• Add additional employee cards at no cost

Review: Is the  Ink Business Unlimited® Credit Card Worth It?

The Chase Ink Business Unlimited earns 1.5% cash back on all purchases so you don't have to worry about keeping track of category spend.

The card is ideal for businesses that have a high amount of non-category spend like marketing ads, hardware supplies, or bills.

Even though the points earned on the Chase Ink Business Unlimited are advertised as cash back, you actually earn Ultimate Rewards.

The Chase Ink Business Unlimited shines when you pair it with the Ink Business Preferred® Credit Card to redeem Ultimate Rewards points for travel. Get 25% more value when you pool points together for travel using Chase Travel℠.

Ultimate Rewards points earned on the Chase Ink Business Unlimited card can be transferred to the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® , or Ink Business Preferred® Credit Card for higher travel redemption.

Optimal Strategy

Depending on the cards you have in your wallet, Ultimate Rewards (UR) points earned from the Chase Ink Unlimited can be redeemed at 1.0-1.5X. The optimal strategy is to transfer the UR points to the Chase Ink Preferred, Chase Sapphire Preferred, or the Chase Sapphire Reserve and redeem for travel. 

• Redeem points for 1.25X in travel if you have the Chase Ink Business Preferred
• Redeem points for 1.25X in travel if you have the Chase Sapphire Preferred
• Redeem points for 1.5X in travel if you have the Chase Sapphire Reserve