7 Reasons I Got the Chase Ink Business Unlimited Credit Card

The Ink Business Unlimited℠ Credit Card is such a compelling card. This is like a business version of the Chase Freedom Unlimited® and comes with amazing perks. In this post I’m going to show you the 7 reasons why I got the Chase Ink Business Unlimited credit card.

1- The Welcome Bonus

You’ll earn $500 Bonus Cash Back After you spend $3,000 on purchases in the first 3 months. You can easily turn the bonus into 50,000 Ultimate Rewards points when you pair the Chase Ink Business Unlimited with a card that earns Ultimate Rewards points, like the Chase INK Business Preferred, Chase Sapphire Preferred Card or the Chase Sapphire Reserve.

2- 1.5% Cash Back

The Chase Ink Business Unlimited earns 1.5% cash back per dollar spent on all purchases. This is great for spend on non bonus categories. I wouldn’t use this card on travel or dining where you can earn much more with other cards.

3- Points Value Potential

The welcome bonus is valued at $500 if you don’t have other Chase cards. However, if you have the Chase Sapphire Preferred for example; you can convert the $500 into 50,000 Ultimate Rewards points. These points will be valued at $625 if you book travel through Chase’s travel website. Likewise, if you pair it with the Chase Sapphire Reserve, the points will be worth $750. That gives the points the potential of increasing in value up to an additional 50%. In addition, if you transfer your points to travel partners through one of the Sapphire cards or the INK Preferred, you can get even more value out of your 50,000 points.

4- No Annual Fee

The Chase Ink Business Unlimited card has no annual fee which makes it a keeper card at no cost to you.

5- Doesn’t Count Towards Chase’s “5/24” rule

Now so you’re not confused; you have to be UNDER 5/24 when APPLYING for this Chase Ink Business Unlimited. However, when you apply for other Chase cards afterwards, it won’t count towards your 5/24 since business credit cards typically don’t get reported on your personal credit report.

6- 0% Intro APR

The Chase Ink Business Unlimited card has a 0% introductory APR offer, this can be a great match for start up businesses with irregular cash flow. The 0% intro APR is good for 12 months from account opening on purchases,  After that, 15.49%–21.49% variable APR.

7- Auto Rental Collision Damage Waiver

Even though this is a no annual fee card, the car rental insurance coverage you get with the Chase INK Business Unlimited is Primary coverage. This is great. So when renting for business purposes this card provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Chase INK Business Unlimited Bottom Line:

This is a great no annual fee card that you can add to your wallet. You can get way more value out of your points earned with the Chase INK Business Unlimited card if you transfer them to cards like the Chase INK Business Preferred, Chase Sapphire Preferred or the Sapphire Reserve.