Chase Ultimate Rewards points are some of the most valuable points in the world of travel, and credit cards like the *chase sapphire preferred* and *chase sapphire reserve* are the easiest way to earn them. But if you've got a small business or even have a side hustle, the *Ink Unlimited* is worth your attention right now.
If you've already got one of the Chase Sapphire cards, a no-annual-fee Chase Ink business credit card is among the best options for business owners. Don't think you are eligible to open a business credit card? It's easier than you think – you might be surprised at the answer.
And this Chase Ink card should be one of the top options for any new business credit cards that might be on your shortlist. Let's walk through a few reasons that make this card stand out.
But before we do that, remember: Credit cards are serious business. You should never apply for a credit card if you’re already in debt, and never charge more to a credit card than you can afford to pay off immediately. That’s especially true when looking at business credit cards, as the spending required to earn a big bonus is often much higher than your personal credit cards.
Related reading: Have a Chase Sapphire Card? Here's What To Do Next
1. Big Sign-Up Bonuses
The *Ink Unlimited* is currently out with a generous sign-up bonus.
With the current offer, you can earn up to $900 (or 90,000 points) after you spend $6,000 on purchases in the first three months from account opening.
Considering how the card does not have an annual fee, it's a pretty incredible offer.
Read more: Chase Ink Business Unlimited Review: Easy to Earn Rewards & A Big Bonus, Too
Learn more about the *chase ink unlimited*
2. Keep Earning Ultimate Rewards Points
Chase Ultimate Rewards points are among the most valuable points in the world and a must-have for travelers in 2024. But once you've earned a big bonus on a Chase Sapphire card, piling up more of these points is tough.
That's where these Ink Business cards come to shine.
Small business owners who already have a card that earns Chase Ultimate Rewards points like the Chase Sapphire Preferred or even the Chase Sapphire Reserve can keep earning points with the suite of Chase Ink Business credit cards. In fact, it’s easier than ever.
As long as you hold a card that already earns Ultimate Rewards points, you can instantly transfer that $900 cash back into 90,000 Chase Ultimate Rewards points to use towards travel.
Read Next: 10 Great Ways to Use Chase Ultimate Rewards Points
That means if you had the Chase Sapphire Preferred Card, these 90,000 points would be worth a minimum of $1,125 toward travel booked through the Chase Travel Portal since each point is worth 1.25 cents each for Preferred cardholders.
If you hold the Chase Sapphire Reserve, the value of those 90,000 points jumps to a minimum of $1,350 towards travel booked through Chase's travel portal, as each point is worth 1.5 cents each for Reserve cardholders.
If you're already holding a Chase Sapphire card, you won't find a better, quicker way to earn a ton of additional Chase Ultimate Rewards points if you're able to get approved for a Chase business credit card.
Read More: How to Combine & Transfer Points on Chase Credit Cards
3. Earn More Points on Everyday Business Spending
With the Chase Ink Unlimited Card, you’ll earn 1.5% back (1.5x points) on all eligible purchases. There is no cap on the amount of spending that will earn 1.5% back each year – thus, the name Ink Unlimited.
Simply put, this is the card where you could put all of your spend on without doing the mental gymnastics required of other cards when considering the various spending categories that earn you increased bonus points on. This is your catch-all card that earns you 1.5% cash back or 1.5x points when paired with the *Chase ink preferred* or the *Chase Sapphire preferred*.
Pair it together with another Chase Ink card like the Ink Preferred, and you could potentially earn a ton of bonus points (or cash back on your business spending). It really comes down to where your business is spending money.
Let's take a look at the full benefits of the card:
Chase Ink Business Unlimited Credit Card
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- The card has no annual fee
- 1.5x points (1.5% cash back) on all business purchases
- Primary rental car collision and damage waiver coverage
- Lost luggage insurance of up to $3,000 per person per trip
- Add employee cards at no additional cost
Learn more about the *chase ink unlimited*
Read More: A Master Guide to the Chase Ink Business Credit Cards: Everything You Need to Know
4. The Card Has No Annual Fee
One of the best benefits of the Chase Ink Business Unlimited card is that the card does not charge an annual fee. That's almost unheard of for a credit card that offers such a large sign-up bonus.
If you're eligible to open a business credit card, the value of this card is an absolute no-brainer – especially right now with the limited time and increased welcome bonuses.
Generally speaking, earning a big sign-up bonus on a personal or business credit card almost always comes with some sort of annual fee as it is a way for the bank to help offset some of the cost associated with acquiring new customers. Not here: You'll pay zero dollars out of pocket in your first year and each year after that in which you hold either card.
One thing to be aware of is that these cards won't waive foreign transaction fees – a common shortfall of a no-annual-fee credit card. That means you'll want to have another card when you travel abroad.
But when you add it all up, it is one of the best sign-up bonus offers on a no-annual-fee card, period.
Bottom Line
The current offer on the Chase Ink Unlimited credit card allows you to earn up to $900 cash back (or 90,000 Chase Ultimate Rewards points).
If you are eligible to open a small business card (and trust us, you might be eligible without knowing it), the card is a fantastic offer and worth your attention right now.