AWESOME! Earn A Record High 90,000 Points On The Excellent No Annual Fee Chase Ink Unlimited Card!

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 Chase Ink Unlimited Card

Signup bonus:

The Chase Ink Unlimited Card is now offering a whopping signup bonus of 90,000 Chase Ultimate Rewards points for opening the card and spending $6,000 in 3 months. Those points are worth a minimum of $900 cash back, but they can be worth much more as shown below.

Also available is an identical bonus on the Chase Ink Cash Card. You can read more about that card here.

The signup bonus is marketed as $900, but it will actually come in the form of 90,000 transferrable points which are worth $1,350-$1,800 when points are transferred into miles with the help of someone in your household having a Chase Sapphire PreferredChase Sapphire Reserveor Chase Ink Business Preferred.

After spending $6,000 anywhere, you will have 99,000 points, potentially worth $1,485-$1,980!

The end date for this offer is unknown.

If you signed up for this card in the past 6 months with a lower bonus, you can send a secure message from the Chase site or app to request a match to 90K points. 


Annual fee: 

None


Comparison to previous welcome bonus:

This card used to offer a 30K signup bonus, but most recently offered a previous high 75K points for spending $7,500 in 3 months.

The current 90K signup bonus is highest offer ever for this card!


Signup bonus terms: 

  • You might not be approved for this card if you have received a signup bonus on an Ink Unlimited card for the same business within the past 24 months.
  • If you are approved you will get the signup bonus.
  • You can get approved and get the signup bonus for this card for multiple businesses.
  • You can get approved and get the signup bonus for this card even if you have other Chase Ink cards.

How to apply, Business card and 5/24 info:

This is a business card, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.

All Chase cards earning Ultimate Rewards are subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card. You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.

However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.

Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.

While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink cards are business cards, those balances won’t hurt your credit score! That makes the 0% APR on purchases for 12 months on a business card a very strong offer.


Card earnings: 

The Chase Ink Unlimited Card is marketed as earning 1.5% cashback everywhere, but it actually earns 1.5 Chase Ultimate Rewards points per dollar spent everywhere. As each point can be worth 1.5-2 cents each, that means you’ll actually be earning an effective 2.25-3% back everywhere!


Spend Threshold:

You’ll need to spend $6,000 on this card within 3 months.

You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

See this post for more ideas on meeting a credit card spend threshold.


0% APR:

0% intro APR on purchases within 12 months of account opening. After that, 16.24%–22.24% variable APR.


Other card benefits:

  • Primary rental car CDW insurance in every country, when the rental is for business purposes.
  • Primary rental car CDW insurance in every country outside of the US, when the rental is for personal purposes. Rentals without a business purpose in the US have secondary coverage.
  • Extended warranty adds a year of coverage, up to $10,000 per claim.
  • Purchase protection for items damaged or stolen within 120 days, up to $10,000 per claim.
  • Travel Accident Insurance covers $500,000 per person.
  • Lost Luggage Insurance covers $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics)
  • Baggage Delay Reimbursement covers $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours.

Increased points value:

You can cash out your points for 1% cash back. I hope that you won’t do that.

If you or someone in your household has an Chase Ink Preferred Card or Sapphire Preferred you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.

If you or someone in your household has a Sapphire Reserve you can get a value of 1.5 cents per point towards paid travel.

The Ink Unlimited card can’t transfer points directly into miles, but Chase allows you to transfer points to cards where they can be transferred into miles or redeemed for a greater value. My aim is to receive a value of 2 cents per point via transfers to miles and that makes the 2 point categories worth 4% back and the 5 point categories worth 10% back.


Pay yourself back

You can currently use Ultimate Rewards points to offset the following charges at a value of 1.1 cents per point:

  • Shipping
  • Internet
  • Cable and phone services
  • Charitable donations to select charities

Pay Yourself Back is now a permanent feature of the Ultimate Rewards program, though categories rotate

A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth even more!


Visa Savings Edge:

All Chase Ink cards are eligible for additional cash back via Visa Savings Edge.

That means you can earn points plus cash back at ParkWhiz, Budget, Chevron, AutoZone, Boost Mobile, MGM hotels, Wyndham hotels, and more.


Airline and hotel points transferability:

If you or someone in your household has a Sapphire Preferred, Sapphire Reserve, or Ink Preferred you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.


Product changes options:

You can call Chase to convert these cards or any of the following cards into another card from this list:

Note that some reps will only allow card conversions after you have had the card for 12 months.


Killer Combos:

Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.

Read more about this strategy in depth in this post.

This list will be customized for the Ink Preferred.

Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Chase Ink Unlimited Card. The total effective annual fees would be either $95 with Sapphire Preferred or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Sapphire Preferred+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel, 3.1 points per dollar on dining, streaming, and online grocery shopping, and 5.1 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points or use the pay yourself back feature.

Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.

Having all 3 Chase Ink cards means you can take advantage of bonus points on all purchases that you make while not having any effect on your personal credit.

Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.

Chase Quinfecta could add the Ink Preferred to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.

Alternatively, you can create a Chase Quinfecta by adding the Chase United Explorer cardUnited Club Infinite CardChase United Gateway CardChase United Quest Card, or Chase United Business Card into the mix. Those cards don’t earn Ultimate Rewards points, but it makes your Ultimate Rewards points more valuable. Having a United card enables you to have access to significantly expanded United saver and standard award space in addition to benefits like 2 free club passes, a free checked bag, a free carry-on bag, and priority boarding, even when you’re on a basic economy fare. See more about those benefits here.

Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!


Airline transfer partners:

You can transfer points at a 1:1 ratio to:

  • United (Star Alliance)
  • Air Canada Aeroplan (Star Alliance)
  • Singapore (Star Alliance)
  • Air France/KLM Flying Blue (Skyteam, 25% bonus through 5/15)
  • British Airways (OneWorld)
  • Aer Lingus (OneWorld)
  • Iberia (OneWorld)
  • Qatar (OneWorld, transfer via BA)
  • Emirates
  • JetBlue
  • Southwest
  • Virgin Atlantic

Hotel transfer partners:

You can transfer points at a 1:1 ratio to:

  • Hyatt
  • IHG
  • Marriott

The great thing about Chase Ultimate Rewards is how versatile and valuable they are:

The Ink Preferred and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.

The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.

The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points.

  • If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, ParisSydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
  • If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
  • Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
  • If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point
  • Flying Blue has award flights to Israel for 25K miles for adults or 18,750 miles for kids.
  • If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 110K or 120K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
  • If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
  • And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.


Dan’s Quick Thoughts

This is a shockingly generous offer for a card with no annual fee. Chase has lowered the spending required to earn the bonus and increased the bonus. That’s huge!

Best of all, this is an excellent card for everyday spending. It’s a business card, but most people out there can qualify for a business card.

Chase also has an identical bonus on the Chase Ink Cash Card. That card offers 2 of 5 points per dollar in bonus categories to quickly rack up Chase points. You can decide if you would rather have 2x-5x bonus category earnings or if you would rather have higher 1.5x earnings everywhere. Or best of all, you can try applying for both cards and get the bonuses for each card if you’re approved!


Will you signup for the Chase Ink Unlimited Card?

Leave a Reply

124 Comments On "AWESOME! Earn A Record High 90,000 Points On The Excellent No Annual Fee Chase Ink Unlimited Card!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

Moshe

How long have to wait after receiving a SUB before applying again for the same card?

JA

Is there a reason to sign up for this card instead of the Ink Business Cash Card that also earns 5 points per dollar on Amazon?

thewiz23

applied, got review notice

thewiz23

called recon, approved! thanks!

Brooke

If I get approved, based on my legitimate sole proprietorship business, do the charges on the card have to be actual business expenses, or is it ok to use it for everyday household charges?

ARI

IME
My replacement card came with language stating the card should not be used for personal and that their are different rules governing personal and business… but I have used for personal and has not been an issue

EER

Credit score of 721, what are my approval odds? And will I get a lower limit because of the score or is 721 good enough?
I have a high balance on one card.

Jack

Does driving for Uber count as your own small business?

Boomie

I have a (very) small eBay business. What will I need to show JPMC related to my business activities? Also, can I get the card if I have a personal Saphire card (to which I would want to transfer the points). Thanks Dan

Bingo

I applied earlier in the week when it was 75k
Think they’ll give me 90 now?

Chani

Me too, does my spend get lowered to 6k or I still need to spend the 7.5k to get the points?

Bingo

I called them and they said call back after spending 6k and they will honor the promotion. And she put a note on my account.

YH

If I don’t have a business at all, I can’t open this as a sole proprietorship, correct?

double l

Thanks @Dan! I have a Sapphire Preferred 80k and United Business 150k bonus (thanks to you highlighting their deals) all opened this year with credit score in mid 600s but Chase banking history, Just saw your post about the Ink Cash, applied and got approved instantly. Should I also apply for the Ink Unlimited (same day so same hard pull) or wait some time before applying considering just got approved for the Ink Cash today? Also need to consider meeting both spend thresholds for sign up bonuses…

radish

TWO QUESTIONS:

If I understood your TWO most recent articles correctly… the difference between Chase Ink Unlimited Card and Chase Ink Cash Card is that…

The Chase Ink Unlimited is 1.5% on every purchase
vs
The Chase Ink Cash is 5% and 2% cashback on specific categories

Seems like the CIC would be a good fit to pay for expenses and perhaps the CIU for more everyday purchases like material goods.

If you were to pick one for a business which would you take?

Chevron

Denied, called recon . Said will review . Here’s open it works out

Dover

See you write about matching the 90k. Are they also matching the spend requirement to only spend $6k and not $7.5k?

Dani

I have a “hobby” or a small out-of-the-house business, but they said the application is pending and asking for “Proof of legal name for business”…any idea how I provide them with something that they’s be ok with?

...

I would like to apply for this card(using your link of course) but don’t really have a business- 1- What should I put for authorizing officer title? 2- The tax id type should be SSN? In both sections of the application? 3- Do I need to enter annual business revenue? 4- What should the business type be?
Please excuse my ignorance, I’m fairly new to this and have never applied for a business card. Thank you very much!

...

Would anyone please be able to help out?

Yoely

Just got approved! Thank you Dan. Hope you get your commission.

Sammy

Got approved instantly!
Usually I needed to call and have them review and explain to the rep that some of the credit cards on my report are additional….
Thanks Dan!!!!
Waiting for that SMOKING HOT! deal on airline tickets 🙂

az

are there foreign transaction fees on both cards?

Mo2

Spending 6k on the Ink Unlimited and receiving $990/99k points is 16.5% cash back/points on 6k spend.

For the Ink Cash it’s spending 6k and receiving $900-1200 /90k-120k points is 16-20% cash back/points on 6k spend.
Amazing for a no AF card.

Jon

If you transfer point from chase to southwest does that count towards companion pass?

שלמה

Any similar deal brewing for a card with no foreign transaction fee, for us abroad?

Eli

Thank you! I have just been approved.

El

My husband applied and got an email that said they are reviewing and will let him know by mail within 30 days. Should he call the reconsideration line at this point or wait for the letter?

slaven

since when does chase do 2 hard pulls for application? they’re almost as bad as capital one. is why i love amex – they dont do any.

Aaron

Got this: “We’ll let you know our decision in writing as soon as we can, and if you’re approved, you’ll receive your card in 7 to 10 business days.”
Anything I can do to help it get approved?

Cee

How do I add this new card to my business account online?

Dave

Is this a cash back card or points?

It’s saying Earn $900 Bonus Cash Back.

Chuck

@Dan

If I have this card from 4 years ago, can I apply for another one?
Will i get the 90K points for the second one?

Dave

I plan to get a loan/0% APR etc. If i’ll apply for this card How long will my scores be affected?

thewiz23

can this card be product change to the other ink card with bonus categories?

Cee

I applied and Chase sent me an email saying they are thinking about it. Can I and should I call them to try to expedite a positive answer.

Cee

Hubby is pre-approved for a Chase business credit card but does not have a business. How to proceed to get approved?

Zed

Hey Dan!

I have a chase ink business preferred, my annual fee of $95 just posted, I was going to downgrade to a no fee ink card. Is there a way for me to downgrade to the unlimited above and obtain the sign up bonus if I spend the $6000 in the next 3 months?

qwerty

hey Dan I see you write all the time that chase business cards do not get added to your credit report and therefore not included in the 5/24 rule so I just applied for the 2 chase ink cards at once and got mess. that will receive answer in 7 to 10 days so I called the reconsideration number and they told me I reached my 5/42 limit and they went through all the cards with me over the phone but 2 out of the 5 cards are business cards one from chase and one from amex?

Aaron

Is chase still enforcing the 1/30 rule for business cards?

Max

I applied as a sole proprietor using my EIN number and my own name because I don’t have separate business name. They asked for documents stating my EIN number. I sent my IRS letter as well of few others. I got declined. Letter stated they suspect fraud and that someone else applied. When I called for reconsiderations they said the document wasn’t clear so I should resend perfect one. I did. Just got a letter declined. Same letter. Any thoughts? Idea’s?

Zack

Walk in to a Chase branch

Jake

Can I get a sign up bonus if I currently have the card (previous SUB more than 24 months ago)?

Dovy

What is the likelihood of getting approved for a 2nd card for a different business if they’re both a Sole Proprietorship? If that’s possible, can I just write my name for both the business name & the name on card, just like the other 1 (& just change the business category)?

Moshe

Does it have a currency exchange fee if I use it outside of the US?

Zack

Yes 3%

Esrs

If I upgrade/downgrade from the cash card will I get another sign up bonus? If not how long do I have to wait!?

UR

Had ink and downgraded
How can i know which ink I had ?
And date received sign up bonus ?
Need 24 month apart?
Any card is 36 months? Csr?

Yehuda

Can I sign up for this card even though I do not have a Business and I would like to just use it as my regular card ?? ( If yes how would I ? ) I am 19 and have a decent credit score.

Berl

Approved! Thanks Dan!

I got the notice that they’ll give me an answer in 3-5 business days, but it took 30 seconds to get the approval email, Baruch HaShem!

yyz_fan

Thanks for all your great work!!

Im applying as a sole properthip using my SSN number..

when it asks when company established date
or Annual business revenue?

what should I write?

Larry

I have a business. I usually use my SS# for the business but I do have an EIN associated with the business. I am a sole prop. I am over 5/24. I have never applied for a CC using the EIN. Should I try to use it for this application?

Larry

???
wont I definitely be rejected if I use my SS# ? [a little over 5/24]

dave

hey, i saw what you wrote about this card not showing on my credit score, does that mean it wont show as an additional line of credit? i have a handful of cards, and don’t want too many lines of credit

wpDiscuz