Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
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Brendan PaulesTo say I'm a huge fan of the Chase Ink business cards would be an understatement considering I have every single one of them in my wallet. And while the Ink Unlimited is technically a cash back credit card, when combined with a points earning card like the Ink Preferred, the cash back that this product earns can be instantly converted into Chase Ultimate reward points. Not only that, but with no annual fee it's a pretty easy card to justify and at 1.5% cash back or 1.5x points per dollar on everything, it’s a fantastic every day card for those miscellaneous business transactions!
💡 And if you’re turned off by the word “business” being in the card name, check out this article which helped thousands of Daily Drop readers open business cards last year.
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Ability to earn major Ultimate Rewards points on a no-annual-fee card
Simple earning structure
No earning restrictions on typical business expenses
3% foreign transaction fee
5% total cash back on Lyft rides through 9/30/27
1.5% unlimited cash-back per $1 on all purchases
When it comes to Chase Ultimate Rewards, the best way to maximize your points is to redeem them with travel.
[.dontreco] We don’t recommend: Turning your points into cash-back [.dontreco]
While you can redeem your points for cash back or gift cards at a rate of 1 cent per point, or use Chase's Pay Yourself Back option, it simply doesn’t provide the best value.
[.sometimesreco] We sometimes recommend: Using the Chase Travel Portal [.sometimesreco]
If you also hold a more premium Chase card, you can redeem your points for flights, hotel stays, and car rentals through Chase TravelSM at varying rates. While this is a decent option, it’s still not the best.
[.alwaysreco] We always recommend: Using transfer partners at a 1:1 ratio to stretch your points. [.alwaysreco]
The bottom line is — if a flight or hotel room can be bought with cash, you can use your points to book it. If pairing with a premium card, tansferring your Chase points to airline and hotel partners can yield great value. Top picks include Hyatt, United, British Airways, IHG One Rewards, and so many more. Taking advantage of these transfer partners is one of the best ways to justify your Ink Business Cash. Chase often runs bonus promotions, giving you up to 30% more points or miles when you transfer to a partner.
But how can I actually transfer my Ultimate Rewards points?
Transferring your Chase points is a super simple process. Simply log in to your Chase account and click on “points” in the top right corner. Then, you’ll see three dots on the top of the screen. Click those and select “transfer points to partners.” From there, you’ll be able to view any bonuses and available transfer options. Let the travel commence!
The Ink Business Unlimited is perfect for people who own small businesses and want to earn some extra cashback on everyday purchases. Imagine getting paid back every time you stock up on office supplies, pay your internet bill, or even grab lunch for the team—this card’s got your back with cash back on the stuff you already buy. The cherry on top? This card has no annual fee and a solid welcome offer, giving you a solid boost. With this card, you will have cracked the code to smarter spending.
The Ink Business Unlimited is a great choice for anyone running a side hustle. Whether you’re freelancing, selling on Etsy, or managing a small online business, this card lets you earn rewards on the everyday expenses that come with your side gig. With 5% cash back on office supplies and 2% on gas and dining, you’re getting rewarded for the things you’re already buying. Plus, with no annual fee, it’s a low-risk way to boost your earnings and make the most of your side hustle. It’s like getting a little extra for doing what you already love, which (in my humble opinion) is pretty freaking awesome.
Adding the Ink Business Unlimited card to your wallet is a smart move, especially if you already have another Chase card like the Chase Sapphire Preferred® Card. Why? Because it lets you double-dip on rewards. The Ink Business Unlimited offers solid cash back on categories like office supplies and utilities, which you can combine with the points you earn on your Sapphire Preferred. Since both cards earn Ultimate Rewards points, you can pool them together for even bigger travel redemptions through Chase’s portal or transfer partners. Pairing multiple Chase cards is a super-duper way to rack up tons of extra Ultimate Rewards points, and the Ink Business Unlimited is a great place to start.
Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Ink Business Unlimited, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
The recommended credit score for the Ink Business Unlimited is good to excellent. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the coveted Ink Business Unlimited.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
There is no way to transfer points to a partner with the business unlimited ink card. You must book through their website, which I did not want to do.
The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
The Ink Business Unlimited has no annual fee (yay!).
The 5/24 rule means you’ll likely be denied if you’ve opened five or more credit cards in the last 24 months. But again, this is speculative.
Yes, using a Chase Ink card can help build your business credit as Chase reports to business credit bureaus.
Points are worth 1 cent each for cash back, gift cards, or travel. They can be worth more when combined with another Chase Ultimate Rewards card.
No, you don’t need an LLC. Sole proprietors and freelancers can apply using their personal income.
Yes, you can convert the cash back earned with the Ink Business Unlimited into Ultimate Rewards points. If you have another Chase card that participates in the Ultimate Rewards program, like the Ink Business Preferred or Sapphire Preferred, you can combine your cash back and use it as points for travel, gift cards, and more.
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.
