Brand New Chase Ink Business Unlimited Card: 50,000 Bonus Points and No Annual Fee

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In my mind, there’s not much better news in the rewards credit card world than a brand new rewards-earning card with no annual fee and a big bonus. Oh, and if that wasn’t enough good news in one sentence, it also has a very solid everyday earnings rate. The brand new Ink Business Unlimited Card just went live, and it is very much worth considering as it is solid in nearly every important category.

Ink Business Unlimited Card: Earn $500 (aka 50,000 points) back after you spend $3,000 on purchases in the first 3 months. Learn more about available Business Credit Cards.

In addition to that awesome introductory bonus for a card with no annual fee, you also earn 1.5x on purchases, which is extremely solid for everyday purchases. I often use the United Club Card to earn 1.5x United miles on everyday purchases, but earning 1.5x Ultimate Reward points is so much better than earning miles in one airline program. Keep in mind that the Ink Business Unlimited card earns Chase Ultimate Reward points that can be used as cash-back as advertised by the card. However, if you also have a premium Ultimate Rewards Card such as the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred, then you can combine points, and transfer them on to Ultimate Reward hotel and airline partners including Hyatt, United, Southwest, Singapore, Marriott, British Airways, and more.

Transfer points to Hyatt and stay at the Andaz Costa Rica for 15,000 points per night

If you prefer to use your Ultimate Reward points at a fixed value to book travel through Chase, you could move these 50,000 points to your Chase Sapphire Reserve and they would then be worth $750 in travel! As this is a small business card, you will need some sort of small business to apply. I would imagine you also need to be under 5/24 to get the card, though small business cards typically don’t count against you in future 5/24 counts.

The new Ink Business Unlimited Card is obviously great for the 50,000 point welcome bonus, but it is also a good addition to your Ultimate Rewards line-up of cards if you didn’t already have one that awards 1.5x on otherwise non-bonused categories. The Freedom Unlimited is a personal Chase credit card that also earns 1.5x on purchases. I know that 1.5x may not sound like a huge difference from 1x, but it really adds up over the long-haul since it will result in 50% more points on everyday charges than a 1x card.

If Chase Ultimate Reward points aren’t your focus right now, remember that The Blue Business℠ Plus Credit Card from American Express is another no annual fee small business card that is quite strong in the everyday earnings department. The Blue Business Plus Amex actually awards 2x fully transferable Membership Rewards points per dollar, though that bonus is capped at $50,000 in spending per year, then it switches to 1x points per dollar.

Anyone thinking about pulling the trigger on the new Ink Business Unlimited Card and its 50,000 shiny new bonus points?

Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.

The responses below are not provided or commissioned by the bank advertiser. Responses 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.

Comments

  1. Sounds like another great option by chase! Is there any spending limit for the one and one half times points?

  2. As I don’t have any Ink cards, I plan to apply for the Ink Cash and Ink Unlimited at the same time/day. I know there isn’t any wording that one can’t have more than one Ink product line (vis a vis Sapphire line) but by applying for both at the same time, I hope to bypass inquiries like “why do you need more than one business card” and “why are you apply for another card in such a short time”.

    • I have read of same day successes x 2. Certainly plenty of business reasons to need/want two different cards for different types of expenses. Good luck and enjoy those points!

  3. I already have the Sapphire Reserve, Freedom Unlimited and Freedom card…. Is there any reason other than the 50k bonus to get the Ink business card? I sometimes feel overwhelmed by all these cards… even if I don’t have an annual fee. Just curious.

    • From an everyday earnings perspective, you won’t pick up an added benefit with this card, though obviously, the bonus is attractive. If you want a long-term added benefit to your line-up the Business Preferred may make more sense as it has some bonus categories, that cell phone benefit, etc.

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