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The Chase Ink Business Unlimited has been on my list of cards to pick up for quite some time, and in February I signed up for it. I ended up having to go through a few different steps of verification, but today, after nearly a month since application, I was pleasantly informed of my approval. On top of that great news I was told my card would be rush delivered to me within a couple of days. Wahoo!
I thought I’d run through why I decided to add the Chase Ink Business Unlimited to my wallet.
An easy 1.5x points on every single purchase I make
The Chase Ink Business Unlimited earns 1.5% or 1.5x Ultimate Rewards on every single purchase. No exceptions. That’s a slam dunk for me, and a missing link in forming my Chase Quadfecta
There’s no annual fee
The Chase Ink Business Unlimited assess no annual fee. No fee…no brainer.
I can combine the points with my Chase Premium Cards for increased value.
This is by far the biggest reason the 1.5x is such a big deal, and ultimately the reason I was keen on getting the card.
I’m a huge fan of Chase Ultimate Rewards, and since I already carry both a Chase Sapphire Preferred and a Chase Ink Business Preferred it means the points I earn off my Business Unlimited can be converted 1:1 into either of those cards, and then into Chase’s list of transfer partners.
I was under 5/24 so I didn’t really have to worry about it, but it is a restriction.
This was something I didn’t actually need to worry too much about. Since Chase created the rule I’ve pretty much hovered around that ratio, or been below it.
If you’ve opened 5 or more credit cards in the past 24 months you’ll be ineligible for this card. There are exceptions to this rule, but by in large, it’s readily enforced.
Overall
Now I know that I will earn a guaranteed 1.5x on every purchase I make and pay no annual fee alongside it. Win, win in my book.
Chase Sapphire Preferred
****ALL TIME HIGH 100k OFFER!****
A Monkey Miles favorite for beginners and point pros alike – a staple of our wallet that earns Premium transferrable Ultimate Rewards. $95 annual fee
♥ Earn 100k Bonus Points after $4k Spend in 3 months
♥Points are transferrable to over dozen partners, or redeemable for 1.25c in Chase travel
♥5x on travel purchased via Chase Travel and 2x everywhere else (beginning 8/16/21)
♥3x on dining, including eligible delivery services, takeout and dining out (previously 2x – beginning 8/16/21)
♥3x on select streaming (beginning 8/16/21)
♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs -(beginning 8/16/21)
♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary (beginning 8/16/21)
♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points. (beginning 8/16/21)
Learn more
I’m impressed that you’re under 5/24.
🙂
Are you balanced with MR earning cards or primarily Chase? I have the CFU but rarely use it because I use my AMEX BBP for 2%. I spent years earning mostly UR points but lately concentrating on MR as I seem to be using those more for flights.
DWP – I’m pretty even and, if possible, try and use the program that has a higher balance, or if its a flight use points on airlines that I’ve built balances via loyalty and anticipate replenishing via travel.