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KEY LINK: Chase Ink Business Unlimited card – welcome offer of 90,000 Ultimate Rewards after spending $6,000 in the first 3 months

Small Business credit cards are a bit of a special animal in the credit card world.  Unlike what we call “personal” cards, some cards like the Chase Ink Business Unlimited that are tagged as “business” cards do require you to have a business to apply.  You’ll be asked for business identifier (SSN or EIN), business income, years in business and other things about your business on your Chase Ink Business Unlimited application.  I’m lucky to have a couple of businesses, but you might have a business too, even if you don’t think you do. You can often apply just as a sole proprietorship with your own SSN if you don’t have a separate business EIN.

Chase Ink Business Unlimited review

Chase Ultimate Rewards are one of the best types of miles and points currencies out there – because it’s a transferrable currency, it’s able to be transferred to a variety of miles and points partners, which helps insulate it from devaluations.

Plus it’s easier than others to get a lot of – including the Chase Sapphire Preferred, Sapphire Reserve, Ink Preferred, Ink Unlimited, Ink Cash, Freedom Flex, Freedom Unlimited.

The Chase Ink Business Unlimited has 3 main things going for it

  • First, a welcome offer of 90,000 Ultimate Rewards after spending $6,000 in the first 3 months (often advertised as $900 cashback, but see the section below)
  • 1.5 Ultimate Rewards per dollar spent
  • No annual fee

And that’s…. pretty much it.  No frills, no category bonuses.  Just a solid welcome offer, a solid earn for your everyday spend, and no annual fee. This is very similar to the Chase Freedom Unlimited card, but with a much bigger welcome offer. This card does fall under the Chase 5/24 rule, so you’ll likely not be approved if you’ve applied for 5 or more cards in the past 24 months.

Combining Chase Ultimate Rewards from your Chase Ink Business Unlimited

Since the Chase Ink Business Unlimited card is not considered a “premium” card, its points are only worth 1 cent when considered by themselves.  However, if you already HAVE a premium card (like the Sapphire Reserve or Ink Preferred for example), then you are able to (at least for now!) combine all your Chase Ultimate Rewards into one account.

So your 1.5x for every dollar spent, if transferred to an account with the Sapphire Reserve (where you can REDEEM for 1.5 times), would give you 2.25% back on purchases through the Chase Ultimate Rewards portal.  And of course if you transfer them to travel partners, you can often get even MORE value.

To me, this makes the Chase Ink Business Unlimited possibly the best business credit card to put everyday spending on, if you’re not meeting a minimum spending requirement or getting a category bonus.

Primary Rental Car Coverage and Travel Protections

One of the best Chase Ink Business Unlimited benefits is that it offers primary car rental coverage in most countries around the world, as long as you are renting the car for business purposes. Renting a car using a credit card that has primary car rental coverage can be a big time and money saver if you happen to get into an accident or cause damage while renting.

(SEE ALSO: How a Chase car insurance claim saved my mom nearly $900)

(SEE ALSO: Why you’re foolish to rent a “standard” car)

The Chase Ink Unlimited card also offers travel and emergency assistance services.

Is the Chase Ink Business Unlimited the best business card out there?

I think the Chase Ink Business Unlimited card has a case for the best business card out there.  Here’s a quick look at some of the other contenders

  • Chase Ink Preferred – higher welcome offer (100,000 Ultimate Rewards), 3x category bonuses but only 1x on every day spend and a $95 fee
  • Chase Ink Cash – same welcome offer of 90,000 Ultimate Rewards, but only 1x on everyday spend and 5x on certain categories and no annual fee.  Comparing the Ink Cash to the Ink Business Unlimited will depend on how much of your regular spend is in these bonus categories
  • American Express Blue Business Card – no annual fee, 2x Membership Rewards on every purchase and a 15,000 Membership Rewards bonus (though I’ve seen the bonus vary over time)
  • American Express Business Platinum card – this card has a $695 annual fee but comes with a variety of premium benefits (but only 1x on everyday spend, though there are bonuses in some categories and for large purchases). Currently it has a bonus of 120,000 Membership Rewards bonus but there are often targeted offers for more.

You can find our link to the Chase Ink Business Unlimited card and its 90,000 point offer on our top credit card offers page, under small business cards. If you’re interested in signing up, we may receive a commission if you sign up through our link – we appreciate the support!

What do you think? Where does the Chase Ink Business Unlimited card fall in the list of best business cards out there?  Leave your thoughts in the comments


Points With a Crew has partnered with CardRatings for our coverage of credit card products. Points With a Crew and CardRatings may receive a commission from card issuers. Other links on this page may also pay me a commission - as always, thanks for your support if you use them
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