We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!
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 Freedom Flex?
Learn More
A Monkey Miles favorite for beginners and point pros alike because it earns 3-5x on select categories + Enjoy 5x on groceries up to $12k a year + $200/20k welcome bonus and no annual fee!
♥ Earn 20k Bonus Points or $200 after $500 Spend in 3 months
♥5x on travel booked with Chase Travel, 5x on rotating quarterly categories ( capped at $1500 per quarter )
♥5x on grocery stores, up to $12k ( no Target/WalMart) on your first 12 months of cardmembership
♥3x on all dining and qualifying delivery apps
♥0% interest on new purchases for 15 months
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.
I’m impressed that you’re under 5/24.
🙂