In the world of business credit cards, finding the right balance between simplicity and value is essential. That is where the Chase Ink Business Unlimited® Credit Card shines, offering an effortless way for business owners to earn rewards on every dollar spent. Known for its straightforward 1.5% cash back (or points) on all purchases and no annual fee, this card is a top choice for business owners looking to streamline their expenses while maximizing rewards. With easy-to-use benefits, flexible redemption options, and access to the powerful Chase Ultimate Rewards® program, the Ink Business Unlimited is perfect for both new and seasoned entrepreneurs alike. Whether you are stocking up on office supplies, covering travel costs, or paying for everyday expenses, this card makes it simple to turn business spending into opportunities for growth and savings.

Chase Ink Business Unlimited Welcome Offer

For business owners looking to jumpstart their rewards, the welcome offer on the Chase Ink Business Unlimited® Credit Card is hard to ignore. New cardholders can earn a welcome bonus of $900 (or 90,000 Chase Ultimate Rewards® points) after spending $6,000 on purchases in the first three months of account opening. Redeemed for cash back or used in the Chase Ultimate Rewards® portal, this bonus can unlock significant value — easily covering several Business Class flights or multiple hotel nights.

This welcome offer is especially appealing because it gives small business owners an immediate reward on common business expenses, allowing even newcomers to see the value of rewards quickly. Seasoned points enthusiasts, on the other hand, will appreciate the opportunity to build up valuable Ultimate Rewards points, which can later be transferred to a wide network of airline and hotel partners. And with no annual fee, the Ink Business Unlimited delivers substantial value without cutting into your bottom line.

Potential Restrictions

Before jumping on this incredible offer, it is important to note a few potential restrictions that could affect your eligibility:

• This card is subject to the infamous Chase 5/24 Rule; and
• In order to transfer points to partner airlines and hotels, you must link this card with one of the following cards from Chase: Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Chase Ink Business Preferred® Credit Card.

How To Earn Points With The Chase Ink Business Unlimited

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A key advantage of the Chase Ink Business Unlimited® Credit Card is its straightforward, unlimited earning potential on every purchase — perfect for business owners looking to simplify their rewards strategy without sacrificing value. Here is how you can maximize your earnings and turn every dollar of business spending into valuable rewards:

• 1.5% Cash back on All Purchases

Why This Matters

The beauty of the Ink Business Unlimited lies in its simplicity: you earn a flat 1.5% cash back (or 1.5x points) on every purchase, no matter the category. This means there is no need to track spending in specific bonus categories or adjust purchasing habits to maximize rewards. Whether you are covering office supplies, paying for client lunches, or managing travel expenses, every dollar spent is rewarded at the same rate. For busy business owners, this approach makes it easy to accumulate valuable rewards effortlessly, letting you focus on running your business while your points balance grows naturally.

Related: The Best Credit Cards For Chase Ultimate Rewards

Additional Benefits And Perks Of The Chase Ink Business Unlimited

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Beyond earning points, the Chase Ink Business Unlimited® Credit Card comes with a host of additional benefits that offer value, both at the office and while traveling.

Benefits And Perks

Here are some of the additional benefits and perks of the Ink Business Unlimited:

• Employee Cards At No Additional Cost: You can issue additional cards to employees at no extra charge, allowing you to consolidate spending across your business and earn rewards faster. Plus, you can set individual spending limits on each employee card to keep expenses under control.
• No Annual Fee: Unlike many business credit cards, the Ink Business Unlimited has no annual fee, meaning you can maximize your rewards without any added cost.

Travel And Purchase Protection

The Ink Business Unlimited also comes with a range of protections that can save you money and offer peace of mind while traveling or making purchases:

• Purchase Protection: Eligible purchases made with the Ink Business Unlimited card are protected against damage or theft for up to 120 days, with coverage of up to $10,000 per claim and $50,000 per account.
• Auto Rental Collision Damage Waiver: When you rent a car for business purposes and pay with your Ink Business Unlimited card, you will receive primary rental car insurance coverage against theft and damage. This coverage can help you avoid using personal auto insurance or paying extra at the rental counter.
• Extended Warranty: Additionally, qualifying purchases receive an extra year of warranty coverage on U.S. manufacturer warranties of three years or less, giving your business peace of mind on essential purchases.

These benefits make the Ink Business Unlimited an excellent choice for small businesses that value straightforward rewards along with valuable protections on both travel and everyday expenses.

How To Redeem Points With The Chase Ink Business Unlimited

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Now that you have earned all those points, how do you redeem them? The beauty of the Chase Ultimate Rewards® program is in its flexibility. With the Chase Ink Business Unlimited® Credit Card, you have multiple ways to redeem your points, with the best value coming from travel redemptions.

Chase Travel Portal

The Chase Travel Portal is an easy-to-use platform where you can redeem your points for travel purchases. When using points this way, you get 25%-50% more value*, meaning 90,000 points are worth up to $1,350 toward travel. The travel portal allows you to book flights, hotels, rental cars, and even experiences. This straightforward redemption method is ideal for beginners who may not want to dive into the complexities of transferring points to travel partners.

Transfer Partners

One of the most powerful features of the Chase Ultimate Rewards® program is the ability to transfer points earned via the Ink Business Unlimited to one of the many travel partners*, unlocking even greater value for your points. Chase has partnered with several leading airlines and hotel chains, allowing you to transfer your points at a 1:1 ratio to their loyalty programs. This flexibility makes it easy to use your points where they matter most.

Airline Partners

Chase has a strong selection of airline partners, giving you access to multiple carriers worldwide. You can transfer your points to programs like United MileagePlus, Southwest Rapid Rewards, or JetBlue TrueBlue. For international travel, you can also take advantage of airline alliances through programs like Air Canada Aeroplan, British Airways Executive Club, or Air France-KLM Flying Blue, opening up access to a wide range of flights and routes across the globe.

Hotel Partners

Chase also has multiple hotel transfer partners including major chains such as World of Hyatt, Marriott Bonvoy, and IHG Rewards Club. Transferring points to these hotel programs allows you to book free nights or even splurge on more luxurious stays. Among these, Hyatt is often considered a top choice for maximizing value due to its relatively low points requirements for high-end properties.

Tip: By transferring your points to an airline or hotel loyalty program, you can often get far more value per point than you would by redeeming through the Chase Travel Portal.

* When linked to the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Chase Ink Business Preferred® Credit Card.

Alternative Credit Card Options

Credit. Chase. Alternatives To The Chase Ink Business Unlimited.

While the Chase Ink Business Unlimited® Credit Card is an excellent choice, it is always good to compare it with other cards to ensure it meets your needs. Here are some alternatives that may better align with your spending habits or transfer partner requirements:

Final Thoughts

The Chase Ink Business Unlimited® Credit Card is a top choice for business owners seeking straightforward rewards with no annual fee. Its generous welcome bonus, easy 1.5% cash back on every purchase, and access to the versatile Chase Ultimate Rewards® program make it an ideal option for those wanting hassle-free earnings across all business expenses. Plus, with valuable benefits like purchase protection and extended warranties, the Ink Business Unlimited adds substantial value to small businesses in addition to earning points. Whether you are new to business rewards or a points pro looking to maximize non-category spending, this card combines simplicity, value, and flexibility — a winning solution for any business looking to make the most of its purchases.