Ink Business Unlimited® Credit Card

This is a no-brainer, great business card from Chase. You can combine points with other cards that earn Chase Ultimate Rewards. Chase points have great value and flexibility, especially when paired with the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card or Sapphire Reserve for Business℠. This is because you can then transfer points to partners such as Southwest, United, Hyatt or Marriott. Like the name says, you earn unlimited 1.5 points per $1 spent on all purchases. Note that unlike many Chase cards, this card does charge foreign transaction fees.

Important Update on Eligibility (November 2025): Chase has introduced pop-up language for the no-annual-fee Chase Ink Business Unlimited® Credit Card and Chase Ink Business Cash® Credit Card, making welcome bonus eligibility a bit less predictable. The bonus may not be available if you have previously received a bonus on either the Ink Business Cash OR the Ink Business Unlimited, and the good news is that you should get a pop-up to let you know if you’re not eligible before a hard credit check.

Note: The Ink Unlimited is marketed as a cash back card, but it actually earns Chase Ultimate Reward points. On the next page, you will see a $750 cash signup bonus, but you would actually earn 75,000 points. Once the points are earned, you have several ways to use the points. One of the options is to convert points to cash, where 75,000 points converts to $750.

Note: Access to Chase's airline and hotel transfer partners is not available directly with this card. Transfer partners are available with the Chase Ink Business Preferred, Sapphire Reserve for Business, Sapphire Reserve or Sapphire Preferred. If you (or a household member) have one of these mentioned cards, then you can "combine" points with one of those cards to access the transfer partners.