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Earn 1.5x on every purchase your small business makes.
The biggest reason to use the Ink Business Unlimited for your small business purchases is a worry-free earn rate of 1.5x on every single purchase. But, there’s more. Yes, the Ink Business Unlimited is advertised as a cash back card, but we know that you can use it in tandem with another card that earns Ultimate Rewards, like the Chase Sapphire Reserve, to elevate your redemptions. In fact, we explain how holding both these two cards can earn 2.25 cents towards travel on every dollar your small business spends. Oh we aren’t done 🙂 – just using it with in tandem with any premium Ultimate Reward earning card Chase offers will get yourself closer to those aspirational experiences we aim to achieve.
Let’s take a look at the card, the benefits, and whether or not it would be a good fit for your business. Personally, I think the Ink Business Unlimited is arguably one of the best small business credit cards out there.
The Benefits:
- The bonus is $750 after $7500 spend in the 3 months after account opening
- However, remember if you hold any card that earns premium Ultimate Rewards you can convert ( best value ) and bonus = 50k
- 1.5x everywhere
- No Annual fee
Pairing it with a Chase Sapphire Reserve will effectively give you 2.25cents back when used in Chase Travel.
This card earns 1.5 cents back on all transactions. If you carry a Chase Sapphire Reserve you can transfer from the Ink Business Unlimited to the Reserve 1:1. Chase Reserve points can be redeemed for 1.5 cents a point in Chase Travel. 1.5 x 1.5 = 2.25.
But I don’t have a small business, Miles. You may, and not know it. Keep reading.
Chase is very friendly to entrepreneurs and small business owners. In fact, if you haven’t been in business for long, or you haven’t established yourself with an EIN, you can still apply as a Sole Proprietor ( fill in your SSN ). If you run a small side business (think bloggers, ebay sellers, tutors, consultants, etc) and want a card to segregate your business income from your personal income at tax time…this is a great opportunity to earn a load of points and help yourself out.
Personally, I have two businesses that I run, one has an EIN, and one doesn’t. I still need to keep all of their records separate, and so I have cards for each business.
If you have another Chase card that earns Ultimate Rewards you can access transfer partners through that account.

That’s how I flew in EVA business class ( above ) intra Asia for just 27.5k miles each way by transferring and redeeming via Singapore Airlines.
Is the Ink business cash restricted by 5/24
Yes. Every single card that earns Ultimate Rewards ( or cash back that can be converted into UR) is restricted by 5/24. However, Chase business cards don’t add to your number.
Other uses for 75k Ultimate Rewards?
5 nights at Hyatt Category 4 properties.
Take advantage of competitive great deals on Air France to fly US to Europe for 60k ( ish ) in business.

Or…for 60k you could fly on BA First Class from Chicago to London
65k you could fly from the US to Europe on Star Alliance using Singapore miles.

OR…fly in Singapore Suites for just 76k from New York to Frankfurt. Helluva deal
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“Star United”
Yet another great write-up.
On a side note, I see as of yesterday, a fellow Boarding Area blogger, Summer Hull’s “Mommy Points” has jumped ship from Boarding Area to “The Points Guy” blog. I suspect she might need to reduce her blogging time to spend more time with hubby Josh, oldest daughter Cate and the youngest one. Guess time will tell how successful that move will be.
JohnJ – thanks so much!