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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.
Chase Ink Business Unlimited
- 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
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.
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.
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers
****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)