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Update 11/2: DEAD!

Ink Business Unlimited® Credit Card

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

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?