Ink Business Unlimited® Credit Card
Table of Contents
Signup bonus:
For a limited time only, the Chase Ink Unlimited Card is 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.
After spending $6,000 anywhere, you will have at least 99,000 points, potentially worth $1,485-$1,980!
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 Preferred® Card, Chase Sapphire Reserve®, or Ink Preferred.
The end date for this offer is unknown.
You can apply for multiple Ink cards on the same day, such as the Ink Business Cash® Credit Card or Ink Business Preferred® Credit Card and you will typically only get 1 credit pull.
If you signed up for this card in the past 6 months with a lower bonus, you can try sending a secure message from the Chase site or app to request a match to 90K points. Post a comment with the results!
Annual fee:
None
Comparison to previous welcome bonus:
This card used to offer a 30K signup bonus, but most recently offered a 75K bonus for spending $6,000 in 3 months. This offer matches a previous 90K limited time offer.
The 90K signup bonus is the highest offer ever for this card!
Signup bonus terms:
Chase Ink cards have the most generous terms of any Chase card.
- Officially, 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, but this rule is not currently enforced.
- If you are approved for any Ink card, you will get the signup bonus.
- You can get approved and get the signup bonus for this card for the same business even if you already have this card.
- 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.
Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy for the past year and the only way to know if you can get approved is by trying to apply.
However, a pattern has developed where Chase often waives 5/24 rules when they launch a limited time offer like this, so it can be worth trying, even if you are over 5/24. If you try, be sure to leave a comment with the results!
Typically, the only way to bypass the 5/24 rules is if the system decides to approve you, so if you are over 5/24, do not call for an approval if your application is pending!
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 shown as being open in the past 24 months.
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 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!
Spending on Lyft will earn 5 points per dollar through 3/31/25.
Spend Threshold:
You’ll need to spend $6,000 on this card within 3 months.
You can pay your federal taxes for a 1.82% 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.
0% APR:
0% intro APR on purchases within 12 months of account opening. After that, 18.49%–24.49% variable APR.
Potentially, that means you can stick your payments aside from the minimum payment into a 5.15% savings account and pay the card back after a year with no penalties or interest.
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 Ink Preferred Card or Sapphire Preferred Card 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 Cash 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.
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 MailChimp, Microsoft, 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 Ink Preferred Card, Sapphire Preferred Card, or Sapphire Reserve Card you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.
Product change options:
You can call Chase to convert these cards or any of the following cards into another card from this list:
- Ink Cash Card ($0 annual fee)
- Ink Unlimited Card ($0 annual fee)
- Ink Preferred Card ($95 annual fee)
Note that some reps will only allow card conversions after you have had the card for 12 months.
Those cards all have strong benefits.
The Ink Cash Card has no annual fee and earns a signup bonus of $350 in the form of 35,000 Chase Ultimate points for spending $3,000 in 3 months and another $400 in the form of 40,000 Chase Ultimate points for spending another $3,000 in 6 months for a total of 75,000 Chase Ultimate points. Plus, if you open an Ink Cash card with this offer link between 3/17-11/17 and have a Chase business checking account on your first card anniversary date next year, you earn a one-time 10% bonus of all eligible cash back earned from spending in your first year! You’ll earn 5 points per dollar on $25K/year in annual cable, internet, phone, and office supply purchases, plus 2 points per dollar on $25K in annual dining and gas purchases.
The Ink Unlimited Card has no annual fee and earns 90K points, which is advertised as $900 cash back, after spending $6,000 in the first 3 months, plus 1.5 points per dollar everywhere.
However those no annual fee cards cant transfer points into airline miles or hotel points without a Chase Ultimate Rewards card that has an annual fee. Plus they don’t get a bonus for travel redemptions.
The Ink Preferred Card has a $95 annual fee and earns 90K points after spending $8,000 in the first 3 months, plus 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
Ultimate Comparison Chart Of Chase Ultimate Rewards Cards
Freedom Flex | Chase Freedom Unlimited® | Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Ink Business Cash® Credit Card | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card | |
---|---|---|---|---|---|---|---|
Signup bonus | 20K points for spending $500 in 3 months | 1.5 bonus Chase Ultimate Rewards points per dollar within 12 months on up to $20K of spending. | 60K points for spending $4,000 in 3 months | 60K points for spending $4,000 in 3 months | Earn 35K points when you spend $3,000 on purchases in first 3 months, and an additional 40K points when you spend $6,000 on purchases in the first 6 months | 90K points for spending $6,000 in 3 months. | 90K points for spending $8,000 in 3 months. |
Annual Fee | $0 | $0 | $95 | $550 | $0 | $0 | $95 |
Additional Cardholder Fee | $0 | $0 | $0 | $75 | $0 | $0 | $0 |
Allows you to transfer Chase points from any card to airline miles | No | No | Yes | Yes | No | No | Yes |
Annual Travel Credit (Airfare, hotels, car rentals, Uber, etc) | $0 | $0 | $0 | $300 | $0 | $0 | $0 |
Annual Hotel Credit booked through Chase Travel | $0 | $0 | $50 | $0 | $0 | $0 | $0 |
10% Anniversary points bonus | No | No | Yes | No | No | No | No |
$100 Global Entry/Pre-Check Fee Refund | None | None | None | Once every 4 years for Primary cardholder | None | None | None |
Doordash Credit | None | None | $10 non-restaurant credit | $5 monthly restaurant credit, $10 non-restaurant credit, valid twice per month | None | None | None |
Doordash Dashpass Membership | 3 free months | 3 free months | Free through 12/31/27 | Free through 12/31/27 | None | None | None |
Priority Pass membership | None | None | None | Primary and secondary cardholders can bring 2 guests into a lounge | None | None | None |
Value of points towards paid airfare, hotels, car rentals, cruises, and activities | 1 cent | 1 cent | 1.25 cents | 1.5 cents | 1 cent | 1 cent | 1.25 cents |
Chase Pay Yourself Back | None | None | None | Redeem points at a value of 1.25 cents on rotating categories | None | None | None |
Points earned on everyday spending | 1 per dollar | 1.5 per dollar | 1.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
Points earned on travel (Airfare, hotels, car rentals, Uber, etc) | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 2.1 per dollar | 3 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
Points earned on air travel booked via Chase Travel | 5 per dollar | 5 per dollar | 5.1 per dollar | 5 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
Points earned on non-air travel booked via Chase Travel | 5 per dollar | 5 per dollar | 5.1 per dollar | 10 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
Points earned on dining | 3 per dollar | 3 per dollar | 3.1 per dollar | 3 per dollar | 2 per dollar ($25K cap on 2x categories) | 1.5 per dollar | 1 per dollar |
Points earned on streaming | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 3.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
Points earned on online grocery | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 3.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
Points earned on advertising with social media sites and search engines | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
Points earned on shipping | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
Points earned on internet, cable and phone services | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 5 per dollar ($25K cap on 5x categories) | 1.5 per dollar | 3 per dollar ($150K cap) |
Points earned on office supply spending | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 5 per dollar ($25K cap on 5x categories) | 1.5 per dollar | 1 per dollar |
Points earned on drugstores | 3 per dollar | 3 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
Points earned on $250+ Peloton purchases | 1 per dollar | 1.5 per dollar | 5 per dollar through 3/31/25 | 10 per dollar through 3/31/25 | 1 per dollar | 1.5 per dollar | 1 per dollar |
Points earned on Lyft purchases | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 10 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 |
Points earned on gas stations | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 1 per dollar | 1 per dollar | 2 per dollar ($25K cap on 2x categories) | 1.5 per dollar | 1 per dollar |
Points earned on rotating quarterly categories | 5 per dollar ($1,500 quarterly cap) | N/A | N/A | N/A | N/A | N/A | N/A |
Intro APR | 0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 20.49%–29.24% variable APR. | 0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 20.49%–29.24% variable APR. | No | No | 0% intro APR on purchases within 12 months of account opening, with no negative effect on personal credit. After that, 18.49%–24.49% variable APR. | 0% intro APR on purchases within 12 months of account opening, with no negative effect on personal credit. After that, 18.49%–24.49% variable APR. | No |
Foreign transaction fee | 3% | 3% | 0% | 0% | 3% | 3% | 0% |
Cell Phone Damage and Theft Protection | $800 of coverage with a $50 deductible. | None | None | None | None | None | $600 of coverage with a $100 deductible. |
US Car Rental CDW Coverage | Secondary | Secondary | Primary | Primary | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons |
Worldwide Car Rental CDW Coverage | Primary | Primary | Primary | Primary | Primary | Primary | Primary |
Roadside Assistance | Available for a $59.95 charge | Available for a $59.95 charge | Available for a $59.95 charge | Free battery boost, flat tire service, 2 gallons of fuel delivery, towing, or lockout assistance | Available for a $59.95 charge | Available for a $59.95 charge | Available for a $59.95 charge |
Purchase Protection for items damaged or stolen within 120 days | $500 per item | $500 per item | $500 per item | $10,000 per item | $10,000 per item | $10,000 per item | $10,000 per item |
Extended Warranty Protection | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 |
Trip Cancellation/Trip Interruption Insurance | $1,500 per person, up to $6,000 per trip with multiple travelers | $1,500 per person, up to $6,000 per trip with multiple travelers | $10,000 per trip or $20,000 per trip with multiple travelers | $10,000 per trip or $20,000 per trip with multiple travelers | None | None | $5,000 per trip or $10,000 per trip with multiple travelers |
Return Protection | None | None | None | $500/item up to $1,000/year | None | None | None |
Trip Delay Reimbursement | None | None | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours. | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 6 hours. | None | None | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours. |
Lost Luggage Insurance | None | None | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) |
Baggage Delay Reimbursement | None | None | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. |
Travel Accident Insurance | None | None | $500,000 per person | $1,000,000 per person | $500,000 per person | $500,000 per person | $500,000 per person |
Visa Savings Edge Rebates | No | No | No | No | Yes | Yes | Yes |
Emergency Evacuation and Transportation due to injury or illness on a trip | None | None | None | $100,000 for trips between 5-60 days, more than 100 miles from your home | None | None | None |
Repatriation of Remains Insurance | None | None | None | $1,000 for a coffin and to return your body to your home country if you die on a vacation | None | None | None |
Emergency Medical and Dental Benefit | None | None | None | $2,500 for medical expenses on trips between 5-60 days, more than 100 miles from your home | None | None | None |
Subject to 5/24 rules | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Adds to 5/24 count | Yes | Yes | Yes | Yes | No | No | No |
Download Guide of Benefits | Freedom Flex Link | Link | Link | Link | Link | Link | Link |
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.
A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Ink Unlimited. The total effective annual fees would be either $95 with Chase Sapphire Preferred® Card or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Chase Sapphire Preferred® Card+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel, 3 points per dollar on drugstores, 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.
A Chase Trifecta adds a no annual fee card like the Ink Cash Card 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.
A 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.
A Chase Quinfecta could add the Ink Preferred Card 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 Card, United Club℠ Infinite Card, United Gateway℠ Card, 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)
- British Airways (OneWorld)
- Aer Lingus (OneWorld)
- Finnair (OneWorld, transfer via BA)
- 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
You can also transfer to Hilton at a 1:1.5 ratio by transferring via Virgin Atlantic.
The great thing about Chase Ultimate Rewards is how versatile and valuable they are:
The Ink Preferred Card and Sapphire Preferred Card 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 Card 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. They can easily be worth 2 cents each or much more than that!
- If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, 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 9.5K points to Qatar via British Airways to book a short-haul on American. 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 Chase 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 145K or 160K 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 Chase 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 an incredibly generous offer for a card with no annual fee and it’s great to see it make a comeback!
Best of all, this is an excellent card for everyday spending, which pairs well with the massive signup bonus on a no-annual fee card. It’s a business card, but most people out there can qualify for a business card. Plus, with 0% APR on purchases for 12 months with no negative effect on your credit as its a business card, it’s an even better card for everyday spending.
Will you signup for the Ink Unlimited Card?
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77 Comments On "AWESOME! Get The Highest Ever Signup Bonus On A Chase No Annual Fee Business Credit Card!"
All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.
What does someone in household mean (In order to increase value of they have those cards..?) Kids and parents living in the same house? Or even siblings living in different addresses?
Officially Same Address
What if same address, different last names?
That’s fine.
I just called Chase. They will only match the points if you signed up since August 1st. They said this promotion will last until November.
Just got this card at the end of August together with the ink preferred. Will they match the bonus?
Reports are they will
I spoke to chase, they said they will match the bonus. Just have to call them after I finish the spending.
Dan, is it still worth it, with a devalued 2 person game?
Of course
Just signed up for the 120,000 point bonus card this week. I already have this ink business unlimited(got this card about 5 years ago). Will I get approved for this same card?
You can be, sure.
Do we need to close ink unlimited first or can we apply same card with different business name?
Either way.
I currently have two Chase Ink Unlimited cards, both for a number of years. Should I close one (or both) and apply, or just go for a third card?
You can try either way. You can want to have different cards to keep track of expenses for different clients for example.
Hey Dan I recently applied for the card and put in sole proprietorship, and working as a tutor.
However Chase emailed me to confirm my business and asked for document like a TIN confirmation letter.
what do you suggest?
Your name has to be the owner name. Is it? We had that mistake as well.
If you are using your social security number, then the name of the business is your name
Yes, my name and the business name are the same.
Chase still wants proof of my business
Send in a copy of your ID and SSN card.
Can you add business cards on two different business names to the same chase online account?
Yes
I actually got the other offer last year and originally they didn’t give me any of the promotional benefits but i sent them a message and the next day it was there
It’s always like a day or two late
How can the points be worth 1800$?
I thought with the reserve it is 1.5 redemption witch makes the points worth 1350
Depends how much you value transfers to airline and hotels. Dan usually calculates chase points at 1.6
Dan values chase points at 1.6
If i was turned on the recent Preferred offer due to low usage of previous Ink cards, is there any point in trying for this one?
Not unless you fix the issue
Dan, uncommon question…
Just got married, wife does some freelance work. We have a marriage license, she’s changing her name but we haven’t taken care of that yet.
Any invoices she has will have her maiden name.
(Don’t have any bills, just invoices – she has not had any business expenses, she’s just charging others for her work.)
Primary question – should she sign up with her maiden name (the name on any invoices) or her married name (name she is switching to, but hasn’t yet, but we have a marriage certificate for)?
Secondary question – will it be an issue if she has invoices where she’s charged others, but has no bills since she’s had no expenses?
Apply with the name on her ID.
No issue.
Got approved last month in one day for the ink preferred and the ink cash. Can I apply for this one now?
Sure
I recently received two personal and two business cards in the last two months. I applied for this card but was denied due to the fact of having recent cards and carrying no debt. I asked for a reconsideration but was unfortunately denied. How would you all recommend i get these cards in any other way. Thanks again as this community has revolutionized how i travel with family
Why is the ink business premier not mentioned or compared here?
Advertised as earning 2.5 points for purchase over $5,000
https://www.dansdeals.com/credit-cards/businesscreditcards/earn-1000-cash-back-2-5-cash-back-everywhere-new-chase-ink-premier-card/
Hey Dan,
You say “It’s a business card, but most people out there can qualify for a business card”. How do I know if I’m qualified for a business card in the proper legal sense?
If you have any hobby or side business you can get this, as per the instructions in the post.
foreign transaction fee?
Yes
Is it ok to open more chase cards if I opened 2 personal and 3 inks in the past 20 months?
5/24 back in play?
Will the bonus post if only the min pmt is made or needs to be paid in full for the signup bonus to post?
Don’t need to pay it to get the bonus
Ty
Just got approved thanks dan! Im 18 and thanks to u i have the savior one, freedom unlimited,amex everyday preferred,blue b plus,2x ink preferred,amex plat,and now ink unlimited.Any reason to pump the brakes? Thanks!!!!
It doesn’t seem you have any brakes. Great job, that’s insane! Just make sure you using it responsibly. What is your trick in getting approved for all that in one year?
No tricks.
Just listened to Dan.
Can you receive the bonus for this card again if you already opened this card in the past 24 months
Yes
When does the three months start? From application or from activating the card?
It’s actually about 115 days from card approval. You can contact Chase for the exact date.
TY for the print response
Just signed up, but did not receive 0% APR is there fine print if you currently have a card with 0% Apr that you can’t have another?
Same problem I was depending on the apr now shows 18%!
Apparently it updated to 0% after 24 hrs
What does it cost to transfer the balance from another Chase card?
I just got this message after applying “We’re unable to approve your application. You’ll receive a letter with more information about our decision within 7 to 10 days.”
What does this mean?? I put in wrong information or is it a denial?
Denial. Call reconsideration
Can you use the business card for any transactions? Or do the transactions have to be related to the business? I own rental property but will not be spending 6k on it in the coming months. Thanks
Nobody is auditing your transactions.
Now shows:
Earn $900 bonus cash back
Instead of 90k points
Please see this section:
https://www.dansdeals.com/points-travel/milespoints/awesome-earn-record-high-90000-points-excellent-no-annual-fee-ink-business-unlimited-credit-card/#Signup_bonus
All my chase cards reg and business 100 back on chase travel 500 spend
Figured it can be useful to many
Nah only ppl who are broke of points
Have it too. On personal and business, Not on cobranded cards.
Is there an expiration date for this offer? Or still unknown?
Does anybody know of other 0 APR offers for longer than 12 months? 18-24 months?
Can I transfer credit to the new card and receive 0% APR on all available credit? Or is it just on the credit line they gave when I got approved?
Yes. I dd it
You can transfer credit to this card and get 0% APR
What is the phone number ti call for reconsideration. Thanks
“I just got this message after applying “We’re unable to approve your application. You’ll receive a letter with more information about our decision within 7 to 10 days.”
Denial. Call reconsideration
Isa there a foreign transaction fee?
Yes
Which credit card can I get cash advance low fee an 0 apr at least 12 months
This card?
Any link to check card application status ? Requested to load docs, didn’t hear since then. Prefer on line vs call
Tia
ALSO , AMEX PLAT biz, can stil book biz on ly from Europe one way and redeem to voucher in less than 24 hours or cancel?