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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 $500 after $3k 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.
In fact it means I’ll spend like this:
- Chase Ink Business Preferred:
- 3x Travel
- 3x for my Mobile Phone ( this gives me free cell phone insurance )
- If you don’t want the insurance, pay with an Ink Business Cash for 5x points.
- Chase Ink Business Cash
- 5x at office supply purchases and my cable and internet bill
- Chase Ink Business Unlimited
- Pretty much everything else
Now I can rest assured that I’ll be getting an optimal amount of points on every dollar I spend. Up until now…I was leaving points on the table by not having this card. That gap has been sealed, which means I’ll be earning more points to fly like this: United’s Polaris
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.
I’m looking forward to adding this to my wallet. Any questions?
* the feature image is American Airlines Business Class 77W – a great use of British Airways Avios
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers