Advertiser Disclosure

Ink Business Unlimited® Credit Card

Rates and Fees

👉 Click to Learn More

Annual Fee: $0

Bonus Miles
Cash Back
$900
Recommended Credit
670 - 850
Current Offer

Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
$900
Cash Back
LAST CALL

Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.

Summary

This is one of the BEST business cards on the market with no annual fee and a staggering 1.5% back on EVERY purchase (the only card to do this that can earn Chase Ultimate Rewards!). Plus, the cash bonus can actually be turned into Chase Ultimate Rewards if you also hold the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card. It's no secret that Chase points are some of the most valuable travel currency on the planet... and with a consistently high welcome offer with a TON of them on an annual fee-free card? It's wild, y'all 👀

Its simple earning structure also makes it a breeze to use for small businesses and sole proprietors—we're looking at you freelance writers, wannabe photographers, and dog walkers. You aren't restricted to making purchases in the "traditional" business sense. Why use a card that only gets you 1x points on "all other purchases" when you could buy those new dog-walking shoes or fancy camera lens (or whatever else) for 1.5x back? So we'd encourage you to view this card as far more than a cash-back business card. You'll easily double its value by pairing it with and moving your points over to one of those more premium cards mentioned earlier. If you don't have a card that lets you transfer points, you still can redeem for cash-back... which is an unbelievably good deal for no annual fee!

If you're looking to add a business card to your wallet that can be used on everyday purchases for the most simple of side hustles, the Ink Business Unlimited should be your top choice.

Earning Rewards

[.redeem] 5% [.redeem] cash-back per $1 on Lyft rides through March 2025

[.redeem] 1.5%[.redeem] unlimited cash-back per $1 on all purchases

Additional Benefits

  • Redeem rewards for cash-back, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Add employee cards at no extra cost to earn rewards faster

Foreign Transaction Fee

  • 3% transaction amount in USD

Also consider

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

$300 Travel Credit + 60,000
Bonus Points
ELEVATED OFFER
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
$300 Travel Credit + 60,000
Bonus Points
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Ink Business Unlimited® Credit Card

CURRENT OFFER
LAST CALL

$900

Cash Back

Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
REWARDS RATE
1.5-5% cash back
ANNUAL FEE
$0
Our Score
88
Annual fee (20%)
10
Welcome Offer (20%)
9
Point Redemption Value (20%)
10
Rewards Rates (15%)
7
Benefits (15%)
2
Travel Protections (10%)
8
Our Mission
Our Methodology

My Take

To say I'm a huge fan of the Chase Ink business cards would be an understatement considering I have every single one of them in my wallet. And while the Ink Unlimited is technically a cash back credit card, when combined with a points earning card like the Ink Preferred, the cash back that this product earns can be instantly converted into Chase Ultimate reward points. Not only that, but with no annual fee it's a pretty easy card to justify and at 1.5% cash back or 1.5x points per dollar on everything, it’s a fantastic every day card for those miscellaneous business transactions!

💡 And if you’re turned off by the word “business” being in the card name, check out this article which helped thousands of Daily Drop readers open business cards last year.

Comparable Cards

Ink Business Cash® Credit Card

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
Up to $750
Cash Back
OUR SCORE
88

Capital One Spark Miles for Business

Annual Fee: $95

Rates & Fees
|
Terms Apply
WELCOME OFFER
50,000
Bonus Miles
OUR SCORE
86

The Blue Business® Plus Credit Card from American Express

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
15,000
Bonus Points
OUR SCORE
82
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro] Ability to earn major Ultimate Rewards points on a no-annual-fee card [.pro]

[.pro] Simple earning structure [.pro]

[.pro] No earning restrictions on typical business expenses [.pro]

Cons

[.con] 3% foreign transaction fee [.con]

Rewards Summary

[.redeem] 5% [.redeem] cash-back per $1 on Lyft rides through March 2025

[.redeem] 1.5%[.redeem] unlimited cash-back per $1 on all purchases

Additional Benefits

  • Redeem rewards for cash-back, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Add employee cards at no extra cost to earn rewards faster

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews 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. 

How to make the most of your

Ink Business Unlimited® Credit Card

When it comes to Chase Ultimate Rewards, the best way to maximize your points is to redeem them with travel.

[.dontreco]  We don’t recommend: Turning your points into cash-back [.dontreco] 

While you can redeem your points for cash back or gift cards at a rate of 1 cent per point, or use Chase's Pay Yourself Back option, it simply doesn’t provide the best value.

[.sometimesreco] We sometimes recommend: Using the Chase Travel Portal [.sometimesreco]

You can redeem your points for flights, hotel stays, and car rentals through Chase TravelSM, all at a fixed rate of 1.25 cents per point. While this is a decent option, it’s still not the best.

[.alwaysreco] We always recommend: Using transfer partners at a 1:1 ratio to stretch your points. [.alwaysreco]

The bottom line is — if a flight or hotel room can be bought with cash, you can use your points to book it. Transferring your Chase points can score you more than 1.25 cents per point by moving rewards to Chase's 14 amaaaazing airline and hotel partners. Top picks include Hyatt, United, British Airways, IHG One Rewards, and so many more. Taking advantage of these transfer partners is one of the best ways to justify your Ink Business Cash. Chase often runs bonus promotions, giving you up to 30% more points or miles when you transfer to a partner.

But how can I actually transfer my Ultimate Rewards points?

Transferring your Chase points is a super simple process. Simply log in to your Chase account and click on “points” in the top right corner. Then, you’ll see three dots on the top of the screen. Click those and select “transfer points to partners.” From there, you’ll be able to view any bonuses and available transfer options. Let the travel commence!

Transfer Partners

PROGRAM NAME
TRANSFER RATIO
No items found.

Our Favorite Redemptions

Brendan, who you may have seen on our Daily Drop YouTube channel, is pretty much a points wizard. He earned about a million points on welcome offers and has used them for some pretty sweet redemptions. One of his redemptions? Booking a $3,000 All-Inclusive using the points from his Ink Business Preferred (which, again, could be pooled together with the Ink Business Unlimited). He owns quite a few Ink cards (for good reasons, it seems). Want to learn how to use your Ink card to make a similar redemption? Check this out 👇

Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Sep 2024
through
Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 on purchases in the first 3 months from account opening.
Current Offer since
Jan 2024
through
Sep 2024
Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening.
Current Offer since
Sep 2023
through
Jan 2024
Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening.
Current Offer since
Mar 2023
through
Sep 2023
Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening.
Current Offer since
Oct 2022
through
Mar 2023
Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening.
Current Offer since
Dec 2020
through
Oct 2022
Earn a $750 cash bonus after spending $7,500 on purchases within three months from account opening.

The Best Complementary Cards

Capital One Venture X Business

Why? Pairing the Ink Business Unlimited with the Capital One Venture X Business card gives you a versatile and powerful rewards combo. The Ink Business Unlimited is pretty simple, offering 1.5% cash back on every purchase without any categories to keep track of—perfect for consistent rewards on all your business spending. The Capital One Venture X Business, on the other hand, brings premium travel perks to the table, including a $300 annual travel credit, lounge access, and flexible redemption options for miles. When you pair these cards, you get the best of both worlds: steady cash back on everything with the Ink Business Unlimited and top-tier travel benefits with the Venture X Business. It’s an ideal setup for business owners who want to earn rewards on everyday expenses while also enjoying luxury travel perks when it’s time to hit the road.

Ink Business Cash® Credit Card

LIMITED TIME OFFER

Why? The Ink Business Unlimited and Ink Business Cash are a great duo that can seriously aid in earnings rewards. The Ink Business Cash offers an impressive 5% cash back on office supplies, internet, and phone services, and 2% cash back at gas stations and restaurants—perfect for your business’s everyday needs. Meanwhile, the Ink Business Unlimited keeps things simple, giving you 1.5% cash back on every other purchase with no categories to juggle. Together, these cards cover all your bases: high rewards where you spend the most with the Ink Business Cash and steady cash back on everything else with the Ink Business Unlimited. Plus, since both cards earn Chase Ultimate Rewards points, you can combine them and redeem for even more value, whether it’s for travel or other rewards. It’s a winning strategy for maximizing every dollar your business spends.

Ink Business Preferred® Credit Card

Why? The Ink Business Unlimited and Ink Business Preferred are a powerhouse pair that cover all your business spending needs. The Ink Business Unlimited is all about simplicity, giving you a flat 1.5% cash back on every single purchase, no categories or caps to keep track of. On the other hand, the Ink Business Preferred shines with impressive rewards on travel and select business categories like shipping and advertising. Together, these cards let you earn high rewards on targeted categories with the Ink Business Preferred, while the Ink Business Unlimited takes care of everything else. And since both cards earn Chase Ultimate Rewards points, you can pool your points and redeem them for maximum value, whether it's through Chase Travel or by transferring to travel partners.

Who Should Get The

Ink Business Unlimited® Credit Card

?

  1. The Small Business Owner

The Ink Business Unlimited is perfect for people who own small businesses and want to earn some extra cashback on everyday purchases. Imagine getting paid back every time you stock up on office supplies, pay your internet bill, or even grab lunch for the team—this card’s got your back with cash back on the stuff you already buy. The cherry on top? This card has no annual fee and a solid welcome offer, giving you a solid boost. With this card, you will have cracked the code to smarter spending.

  1. The Side Hustler

The Ink Business Unlimited is a great choice for anyone running a side hustle. Whether you’re freelancing, selling on Etsy, or managing a small online business, this card lets you earn rewards on the everyday expenses that come with your side gig. With 5% cash back on office supplies and 2% on gas and dining, you’re getting rewarded for the things you’re already buying. Plus, with no annual fee, it’s a low-risk way to boost your earnings and make the most of your side hustle. It’s like getting a little extra for doing what you already love, which (in my humble opinion) is pretty freaking awesome.

  1. The Chase Enthusiast

Adding the Ink Business Unlimited card to your wallet is a smart move, especially if you already have another Chase card like the Chase Sapphire Preferred® Card. Why? Because it lets you double-dip on rewards. The Ink Business Unlimited offers solid cash back on categories like office supplies and utilities, which you can combine with the points you earn on your Sapphire Preferred. Since both cards earn Ultimate Rewards points, you can pool them together for even bigger travel redemptions through Chase’s portal or transfer partners. Pairing multiple Chase cards is a super-duper way to rack up tons of extra Ultimate Rewards points, and the Ink Business Unlimited is a great place to start.

Who Should Not Get The

Ink Business Unlimited® Credit Card

?

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 700, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Ink Business Unlimited, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

Frequently Asked Questions

What is the annual fee for Chase Ink Business Unlimited?

The Ink Business Unlimited has no annual fee (yay!).

What is the 5/24 rule for Chase?

The 5/24 rule means you’ll likely be denied if you’ve opened five or more credit cards in the last 24 months. But again, this is speculative.

Does Chase Ink build business credit?

Yes, using a Chase Ink card can help build your business credit as Chase reports to business credit bureaus.

Do I need an LLC for Chase Ink cards?

No, you don’t need an LLC. Sole proprietors and freelancers can apply using their personal income.

How much are Ink Business Unlimited points worth?

Points are worth 1 cent each for cash back, gift cards, or travel. They can be worth more when combined with another Chase Ultimate Rewards card.

Can you turn your cash back from the Ink Business Unlimited into Ultimate Rewards?

Yes, you can convert the cash back earned with the Ink Business Unlimited into Ultimate Rewards points. If you have another Chase card that participates in the Ultimate Rewards program, like the Ink Business Preferred or Sapphire Preferred, you can combine your cash back and use it as points for travel, gift cards, and more.

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor

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