Chase Ink Business Unlimited
- Annual fee
- None
- Earns
- Chase Ultimate Rewards points
- Point value
- 2.05 CPP
- Credits a year
- Up to $270
Welcome offer
Earn 75,000 Chase Ultimate Rewards points after you spend $6,000 in 3 months
≈ $1,538 at 2.05 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel | 1.5x | 3.07% |
| Dining | 1.5x | 3.07% |
| Groceries | 1.5x | 3.07% |
| Gas | 1.5x | 3.07% |
| Everything else | 1.5x | 3.07% |
Return is what each $1 of spend is worth with points valued at 2.05 CPP.
Credits and benefits
- Instacart+ Membership (3 months, ~$30 value)$30 a calendar year
- Instacart Credit$20 a month
Up to $270 a year if you use every credit. Track them in the benefits tracker
Transfer partners for Chase Ultimate Rewards points
| Partner | Ratio | Transfer time |
|---|---|---|
| Aer Lingus | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | 1 hour |
| Hyatt | 4:3 | Almost Instant |
| Iberia | 1:1 | Almost Instant |
| IHG | 1:1 | 1 day |
| JetBlue | 1:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | 2 days |
| Singapore Airlines | 1:1 | 1-2 Days |
| Southwest Airlines | 1:1 | Almost Instant |
| United Airlines | 1:1 | Almost Instant |
| Virgin Atlantic | 1:1 | Almost Instant |
| Wyndham Rewards | 1:1 | 7 days |
Application rules
Subject to Chase 5/24
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months.
Once per lifetime
You may not get this card's welcome bonus if you've ever had it or any other no-annual-fee Chase business card, such as the Ink Business Cash. Chase usually shows a pop-up before checking your credit if you're not eligible.
Application velocity
Chase usually approves about one business card every 30 days, and may also look at the other Chase business cards you hold.
Product changes
- Upgrade to Ink Business Preferred · You keep your points and can transfer them to airline and hotel partners, for a $95 fee.
- Downgrade to Ink Business Cash · You keep your points and the $0 fee and switch to the Ink Business Cash's earning.
About the Chase Ink Business Unlimited
The Chase Ink Business Unlimited is a business Visa card from Chase with no annual fee that earns Chase Ultimate Rewards points. The current welcome offer: earn 75,000 Chase Ultimate Rewards points after you spend $6,000 in 3 months. It comes with 2 statement credits worth up to $270 a year if you use them all. Points transfer to 14 airline and hotel partners, including Aer Lingus, Air Canada Aeroplan and British Airways. AwardHack values Chase Ultimate Rewards points at 2.05 CPP.
Frequently asked questions
What is the Chase Ink Business Unlimited annual fee?
The Chase Ink Business Unlimited has no annual fee.
What is the Chase Ink Business Unlimited welcome bonus?
Earn 75,000 Chase Ultimate Rewards points after you spend $6,000 in 3 months. AwardHack values that at about $1,538.
Does the Chase Ink Business Unlimited include airport lounge access?
No, the Chase Ink Business Unlimited doesn't include airport lounge access.
Does the Chase Ink Business Unlimited count toward Chase 5/24?
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months. Opening it doesn't add to your 5/24 count.
Where can I transfer Chase Ultimate Rewards points?
To 14 partners: Aer Lingus (1:1), Air Canada Aeroplan (1:1), British Airways (1:1), Flying Blue AIR FRANCE KLM (1:1), Hyatt (4:3), Iberia (1:1), IHG (1:1), JetBlue (1:1), Marriott Bonvoy (1:1), Singapore Airlines (1:1), Southwest Airlines (1:1), United Airlines (1:1), Virgin Atlantic (1:1) and Wyndham Rewards (1:1).
Similar cards
Offers, fees and benefits change often. Check the issuer's site before you apply. AwardHack may earn a referral bonus if you apply through the Apply link.