Chase Ink Business Unlimited Credit Card Review

The Chase Ink Business Unlimited 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.  

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Chase Ink Business Unlimited

Key features

  • Annual fee: $0
  • Sign-up bonus: 50,000 Ultimate Rewards points after $3,000 in spend within the first 90 days of account opening
  • Spending Multipliers: Earn unlimited 1.5X on all purchases
  • Foreign transaction fees: 3%
  • Add additional employee cards at no cost

Review: Is the Chase Ink Business Unlimited 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 Chase Ink Preferred to redeem Ultimate Rewards points for travel. Get 25% more value when you pool points together for travel using the Chase Ultimate Rewards Travel Portal.

Ultimate Rewards points earned on the Chase Ink Business Unlimited card can be transferred to the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Preferred 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 


Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.”