The Chase Ink Business Unlimited is a great card for businesses with varied expenses. It’s especially great for businesses and entrepreneurs who don’t spend within the bonus categories of the other Ink cards. Business owners and entrepreneurs who want to earn Chase Ultimate Rewards (UR) points at a flat rate will love this card too.

Bonus categories are great because you can earn more points faster within the categories. Who doesn’t love that? But some purchases don’t fall into a category and thus only earn one point on most cards. The Ink Business Unlimited is a business transferrable points earning card that solves this problem.



The Ink Business Unlimited is a simple card. It earns 1.5x Ultimate Rewards (UR) points per dollar (or 1.5% cash back) on all purchases. As its name suggests, the Ink Unlimited has no spending limits on its elevated earning rate. That makes it a great complement to other UR earning cards such as the Chase Ink Business Preferred. It’s also the business counterpart of the Chase Freedom Unlimited

The card’s potential can be maximized if you have multiple UR-earning cards. If you have a Chase Ink Business Preferred or either Sapphire card, you can transfer the points from your Ink Business Unlimited account to one of those accounts. This feature is the most powerful that Chase has to offer as it’s vital for many earning strategies.

The Chase Ink Business Unlimited also has a sign-up bonus worth 50,000 UR points (or $500 cash back). You will earn the points after spending just $3,000 in the first 3 months. This is one of the best bonuses in the industry for a no annual fee card.



Earning points is fantastic, but points earned are useless if you cannot redeem them for anything of value. Chase has multiple options for points redemption:

Cash Back & Gift Cards

If you have the Ink Business Unlimited by itself, cash back is one of just two redemption options. Points are worth 1 cent each when redeemed for cash back.

The other option is to redeem for gift cards at 1 cent per point (CPP). Sometimes, Chase discounts some of their gift card options, letting cardholders redeem for more than 1 CPP. This is the best-case scenario if you have the Ink Business Unlimited by itself.

The Chase Ink Business Unlimited is not for you if either of these options sounds better than points. At 1.5%, this card does not have the highest flat earning rate among cash back cards.

Transfer Partners

Transfer partners are by far Chase’s most valuable redemption option. But they are only available if you also have the Chase Ink Business Preferred or either Sapphire card. Chase has the following transfer partners:

  • IHG
  • Marriott
  • World of Hyatt
  • Aer Lingus
  • British Airways
  • Emirates
  • Iberia
  • JetBlue
  • KLM Flying Blue / Air France
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic


Rules & Regulations

The Chase Ink Business Unlimited is subject to the 5/24 Rule. This rule was enacted by Chase to prevent “churners” from scoring their sign-up bonuses too many times.

The 5/24 rule states that you will not be approved for any UR-earning card if you were approved for five or more new accounts in the last 24-months. Some Chase co-branded cards also fall under this rule as well.


Similar Cards

Try these alternatives if the Ink Business Unlimited is not for you:

Chase Ink Business Cash

The Ink Business Cash is similar to the Ink Business Unlimited in that it has no annual fee. However, it earns in different categories at much higher rates.

The Ink Business Cash earns 5x UR points at Office Supply Stores as well as for Internet, TV, and Phone Services. This card also earns 2x points at Gas Stations (including Costco) and at Restaurants. Each bonus category has a $25,000 annual spend limit.

The Ink Business Cash could be a complement to the Ink Business Unlimited. The former has the bonus categories while the latter has a flat rate.

The Ink Business Cash has the same sign-up bonus as the Ink Unlimited. You can earn 50,000 UR points (or $500) for each card. Each bonus can be earned after spending $3,000 in the first 3 months. Together, you can earn 100,000 points for $6,000!

Chase Ink Business Preferred

Chase’s most powerful business card is the Ink Business Preferred. It offers a huge bonus worth 80,000 UR points. You can earn it by spending $5,000 in the first 3 months.

This mid-tier business card earns 3x UR points on the following categories:

  • General Travel
  • Social Media and Search Engine Advertising Purchases
  • Shipping
  • Internet Services
  • Cable & TV Services
  • Phone Services

There is a limit of $150,000 per year across all categories, which is six times that of the Ink Business Cash. This can be beneficial if your business spends heavily within the categories. The Ink Business Preferred also offers more travel benefits than the Ink Business Unlimited. This card is the better card if you like to travel or your business requires it.

American Express Blue Business Plus

This business card from American Express is very similar to the Ink Business Unlimited. Both cards have no annual fee and earn their respective points at flat rates.

The Blue Business Plus earns 2x Membership Rewards (MR) points for all purchases. However, the 2x rate is limited to the first $50,000 per year. Such is not the case for the Chase card, hence its name.

This card does not have a sign-up bonus. But it is the better card if you like American Express’ partners more than Chase’s. It’s also a great card if you have a more expensive Amex charge card. This is because the Blue Business Plus acts as a free way to keep your MR points balance.


Final Draw

The Chase Ink Business Unlimited is fantastic for businesses and entrepreneurs with varied expenditures. It’s also a great complement to either Ink card. If you are looking for just one card or for cash back, the Ink Business Unlimited is not the best option. But, it’s awesome as part of a wallet with multiple Chase cards.

I use the Chase Freedom Unlimited as my “workhorse card”. This card would have the same role in my wallet if I didn’t already have the Freedom Unlimited. The only reason to have both cards is to separate business and personal expenses. Both cards have the same earnings structure and similar benefits. They also have the potential to raise your UR points balance quickly.


Apply Today: Chase Ink Business Unlimited