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Ink Business Unlimited® Credit Card is a no-annual fee business credit card from Chase, which allows you to accrue highly valuable Chase's Ultimate Rewards® Points for all your eligible spendings (again, without any annual fee).
In this posting, I will describe major features of this business credit card, and then will explain one often misunderstood feature of this credit card.
1. Major Features
Ink Business Unlimited® Credit Card has the following major features.
1) Welcome Bonus
After spending $6,000 on purchases in the first 3 months from account opening, you will earn $900 bonus cash back.
(But as I will explain in a moment, this $900 bonus cash back will be in the form of 90,000 Ultimate Rewards Points, which then can be redeemed for $900 cash.)
2) 1.5X earning on all purchases
For every eligible spending, you will earn 1.5 total points per dollar spent.
Sure, there are cards out there that will get you more points for certain specific categories. But do you have time to think through all available options in the market?
Put all your charges on Ink Business Unlimited® Credit Card and focus on your more important business strategies. Over time, you will have better outcomes.
3) No annual fee
When it comes to your own personal credit cards, you may jump from one credit card to another chasing the best possible points accruals.
But when you get a business card, you need to think about long-term commitments. In this respect, getting a no-annual fee business card is a better choice for most business owners.
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2. Did you know?
Ink Business Unlimited® Credit Card is categorized as a business card that offers a cash back based upon your business-related spendings.
But did you know that you actually earn Ultimate Rewards points (Chase's proprietary rewards points) rather than cash?
A new cardmember will earn “$900 bonus cash back” after spending $6,000 on purchases in the first 3 months after account opening.
But according to the offer details, “You will receive 90,000 bonus points with this bonus offer, which can be redeemed for $900 cash back.”
In other words, you earn Ultimate Rewards Points, which of course has many more (and often more useful) options than a cash redemption.
For example, if you also hold Chase Ink Business Preferred® Credit Card, you can combine your Ultimate Rewards points from Ink Business Unlimited® Credit Card into those of Chase Ink Business Preferred® Credit Card.
And because Ink Business Preferred® Credit Card has the feature of transferring points to leading frequent travel programs at full 1:1 value, you can transfer Ultimate Rewards points to Hyatt's World of Hyatt Program at 1:1 ratio.
Hyatt points are valuable, and you can redeem 40K Hyatt points for a one-night stay at Park Hyatt New York, which retails in the range between $800 and $1,000.
