Keep reading for everything you need to know about the Ink Business Unlimited® Credit Card:
Welcome Offer
Note: In order to get the most value out of your Chase points, you or your spouse needs a card that allows you to transfer your points! (The Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Sapphire Reserve® for Business, or Chase Ink Business Preferred® Credit Card) Move your points to one of these cards to transfer them to partners.
All of these cards transfer to partners at a 1:1 ratio except for Hyatt. For Hyatt specifically: the Chase Sapphire Reserve® and Reserve for Business transfer at 1:1, while the Sapphire Preferred and Ink Business Preferred transfer at a 4:3 ratio. You can move your points earned from the Chase Sapphire Preferred or any other card that earns Chase points to a Reserve and then transfer the points to Hyatt at a 1:1 ratio from there!
Annual Fee
This card has NO ANNUAL FEE!
“But This Is a Business Credit Card…”
You most likely are eligible for this business credit card! Any small side hustle makes you eligible for a business credit card. You can apply for a business card without an LLC as a sole proprietor by using your full name as the business name and your SSN as the Tax ID number. Click here to see how simple it is to qualify and how to fill out a business credit card application, line by line.
Bonus Categories
There are no bonus categories, as each purchase with this card will earn an unlimited 1.5x points /1.5% cashback per $1 spent.
Redeeming Your Points & Redemption “Sweet Spots”
You can redeem your points for $750 cash OR you can transfer your points to travel partners if you or a spouse also has a Chase Sapphire Preferred, Chase Sapphire Reserve,Chase Sapphire Reserve for Business, or a Chase Ink Business Preferred. All you have to do is move your points from your Ink Unlimited credit card to one of those cards to transfer your points! I highly recommend having one of those credit cards as well, as transferring your points allows you to get more value out of your points! (You can often get 200-300% more value when you transfer to partners like Hyatt!)
1:1 Transfer Partners
I’ll say it again and I’ll say it again, TRANSFERRING YOUR POINTS is the KEY to unlocking SO MUCH MORE VALUE out of your points. There is a reason why people are OBSESSED about their travel reward credit cards and not their cash back credit cards. Remember, you cannot transfer your points directly from a Chase Ink Unlimited credit card, you need to move your points to a transferable card like the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Sapphire Reserve for Business or a Chase Ink Business Preferred in order to transfer your points.
Not all transfer partners are a good value and sometimes it’s a better deal to book through Chase Travel℠ than to transfer your points. However, transferring to certain transfer partners like Hyatt and Southwest are very beginner friendly “sweet spots” where you can get a lot more value out of your points.
Airline Transfer Partners:
Aer Lingus, AerClub
Air Canada Aeroplan
British Airways Executive Club
Emirates Skywards®
Flying Blue AIR FRANCE KLM
Iberia Plus
JetBlue TrueBlue
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards®
United MileagePlus®
Virgin Atlantic Flying Club
Hotel Transfer Partners:
IHG® Rewards Club
Marriott Bonvoy®
World of Hyatt®
Ideas for Redeeming Chase Ultimate Reward Points
See this blog post for some ideas on how to redeem Chase Ultimate Reward points for maximum value! (I like to use most of my Chase Ultimate Rewards points for Hyatt stays!)
Referral Bonus
You earn 20,000 referral bonus points for each friend who uses your referral link to apply for ANY of the four Chase Ink cards. You can earn up to 100,000 referral points per calendar year. If you have a spouse or travel partner, I recommend REFERRING them to their own card instead of adding them as an authorized user. That way, you can both earn the welcome offer plus you will earn referral points as well!
As of October 7, 2025, the referrer now only gets a referral bonus if the friend is a new Chase Business card customer.
Combining Points in Your Household
You can combine your Chase Ultimate Rewards points with one other member in your household. Sometimes you first have to call Chase to move points over and to link your accounts.
Combining Points From Other Cards
You can combine points with ANY other Chase card that earn Chase Ultimate Rewards! There are other no-annual fee Chase credit cards like the Chase Freedom Flex®, the Chase Freedom Unlimited®, and the Ink Business Cash® Credit Card that are advertised as cash back credit cards. However they actually earn points that can be redeemed for travel if you move your points to the Ink Business Preferred, Chase Sapphire Preferred, Chase Sapphire Reserve®, or Sapphire Reserve for Business℠.This is how you can unlock SO MUCH MORE VALUE out of your no-annual-fee Chase credit cards!
Ink Family Rules
You can potentially hold all Chase Ink B business cards at the same time for each business you have! See my Ultimate Guide to the Chase Ink Business Cards.
Chase now treats the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card as a single family for bonus eligibility — meaning if you've earned a welcome bonus on one, you may not be eligible for the bonus on the other using the same business. If you're applying for the first time, I recommend applying as a sole proprietor.
If you own multiple businesses, there may be a path to earning both bonuses or another bonus on the same card. Data points are showing the best chances of approval for a second card come from applying with a separate business that has an LLC and EIN number.
You are eligible for both an Ink Business Preferred® Credit Card welcome bonus and a welcome bonus on a no annual fee Ink card and you can hold both at the same time.
Chase 5/24 Rule
This card does not count towards your 5/24 but you have to be under 5/24 to be approved for this card. Read more about the 5/24 rule here.
Bottom Line
I can’t recommend the Chase Ink Business Unlimited enough!
I appreciate it SO MUCH when you use my credit card affiliate links to apply for a new card. It supports my content at no cost to you!
FREE Beginner’s Guide
to Points and Miles
Want to travel for free?! ✈️ Grab a FREE Beginner's Guide to Points and Miles and learn how to redeem FREE TRAVEL this year! CLICK HERE TO DOWNLOAD!
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