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Home » Credit Cards » Why I love my Chase Ink Business Unlimited
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Why I love my Chase Ink Business Unlimited

Miles March 22, 2019 Chase 4 Comments

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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.

Ink Business Unlimited® Credit Card

Learn More 

 

Chase Ink Business Unlimited

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

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.

Affiliate Disclosure

Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers.


Chase Sapphire Preferred® Card

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 60k 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

♥3x on dining, including eligible delivery services, takeout and dining out

♥3x on select streaming

♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs 

♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary

♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points.

 Learn more


 

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About Author

Miles

This Monkey didn't get the name Miles for nothing. I might look like an innocent little furball, but I am a Points and Awards BEAST!! Follow me around the world to see how I fly in lie flat seats and sleep in 5* suites for pennies on the dollar.

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4 Comments

  1. Christian Reply
    March 22, 2019 at 7:09 pm

    I’m impressed that you’re under 5/24.

    • Miles Reply
      March 22, 2019 at 9:13 pm

      🙂

  2. DWP Reply
    March 22, 2019 at 6:19 pm

    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.

    • Miles Reply
      March 22, 2019 at 9:12 pm

      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.

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