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Ink Business Unlimited® Credit Card FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Card Type: Visa Signature Business Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025 See also: Chase Ultimate Rewards Complete Guide |
The Ink Business Unlimited® Credit Card is an excellent card to pair with other Chase Ultimate Rewards cards. It has no annual fee, it offers 1.5 points per dollar for all spend, and even though it is advertised as a cash back card it actually earns valuable Chase Ultimate Rewards points. Surprisingly this no-fee card offers a few valuable perks as well: auto rental coverage, 1 year extended warranty, and 120 day purchase protection.
Unfortunately, this card does charge foreign transaction fees, so it is not a good choice for spend outside of the US.
Table of Contents
Chase Ink Business Unlimited® Credit Card Application Tips
Should you apply?
Even though this is a business card, it’s a great choice for anyone interested in earning Chase Ultimate Rewards points. It offers an excellent combination of a great signup bonus, no annual fee, super-valuable points, and solid rewards for all spend. If you are eligible (see next section) and you don’t already have the similar Freedom Unlimited card, you should consider this card.
Are you eligible?
To get this card you must have a business, and you must be under 5/24 (more on 5/24 below).
Interestingly, it’s possible to get the same Chase Ink card and signup bonus for each business you own (if you have more than one business). This is true even though the application terms state otherwise: “I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.” Despite those terms, many people have reported success signing up for more than one of the same Ink card across multiple businesses.
Similarly, it’s possible to get all three Ink Business cards (and the signup bonuses) for each business you own. Fortunately, even though Ink cards are subject to the 5/24 rule, they do not add to your 5/24 count when you are approved. As a result, when you’re under 5/24, it makes sense to sign up for all three (at different times): Ink Business Preferred, Ink Business Cash, and Ink Business Unlimited.
Similarly, it’s possible to get all three Ink Business cards (and the signup bonuses) for each business you own. Fortunately, even though Ink cards are subject to the 5/24 rule, they do not add to your 5/24 count when you are approved. As a result, when you’re under 5/24, it makes sense to sign up for all three (at different times): Ink Business Preferred, Ink Business Cash, and Ink Business Unlimited.
| Applying for Business Credit Cards Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort. When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website. Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so. |
| Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely. |
How to apply
You can find the current best signup offer and application link here: Chase Ink Business Unlimited.
The first part of the application is about your business. If you already have a well established business, then the answers should be straightforward. If you are just getting started with your business, below are examples of how to fill this out. These answers assume that you do not have any employees and you operate as a sole proprietorship (which is the most basic form of a business). Use your judgment to answer differently if the examples given don’t match your circumstances:
Business Information
- Legal Name of Business: If you don’t already have a business name, I recommend using your own name as the business name.
- Business Name on Card: Again, this can be your own name if you don’t have a business name to use.
- Business Mailing Address: This can be your home address if you don’t have a separate business address.
- Type of business: Sole Proprietor
- Tax Identification Number: This can be your SSN, but I recommend creating an EIN for your business (you can get an EIN quickly and for free from the IRS here)
- Number of Employees: 1 (you)
- Annual Business Revenue: 0 (or project an amount based on expected revenue)
- Years in Business: (number of years you’ve been operating the business with or without revenue)
- General industry, Category, Specific type: Pick whichever categories are closest to your business. For example, an aspiring author, artist, or musician might choose: "Arts, Entertainment, and Recreation" and "Independent Artists, Writers, Performers."
This part of the application is about you, personally:
- Your title as Authorizing Officer: "Owner"
- Total gross annual income: Include all of your income, not just business income. This can include household income.
- The rest should be self explanatory
Check Application Status
After submitting your application, you can check status by calling the automated status line: (888) 338-2586Reconsideration
If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.
Chase Ink Business Unlimited Perks
Travel Protection
- Auto Rental Coverage: Chase offers primary auto rental CDW (collision damage waiver) when renting for business purposes. Here’s the description directly from Chase: “Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and 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.”
- Baggage Delay Insurance: “Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.”
- Travel Accident Insurance: “When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000.”
Purchase Protection
Extended Warranty: “Extends the time period of U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.”
Damage and Theft Protection: “Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.”
Chase Ink Business Unlimited Earn Points
Signup Bonus
The signup bonus for this card is advertised as cash back, but the rewards are actually delivered as Ultimate Rewards points. Here’s the current signup offer:
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Refer Friends
Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time. When referral offers are available, Chase sends emails to eligible cardholders with the offer details. Cardholders can also look for Chase friend referral offers here.
Bonus Spend
| Card Info Name and Earning Rate (no offer) |
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This one is pretty simple: earn 1.5 points per dollar everywhere. With points worth up to 1.5 cents each towards travel (when paired with the Sapphire Reserve card), that’s like a 2.25% everywhere rebate.
Chase Ink Business Unlimited Redeem Points
Cash Back
Cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.
Travel
If you or another household member has a premium or ultra-premium Ultimate Rewards card, it is easy to get better than 1 cent per point value when redeeming points for travel. The trick is to move the points from your no-fee Ultimate Rewards card to the premium card before using points to buy travel. Chase allows you to freely move points to another card you own or to a card owned by a household member or business partner. They call this "combining points" (see: Combine Points Across Cards in our Ultimate Rewards guide).
Redeem points for travel: 1.5 cents per point
This option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card. First move (combine) points from your no-fee card to the Sapphire Reserve account. Next, log into Chase under the Sapphire Reserve account, and go to the Chase Ultimate Rewards portal to book your travel. A $500 flight would usually cost 50,000 points if you used points attached to the no-fee card, but with the Chase Sapphire Reserve it would cost only 33,333 points.Redeem points for travel: 1.25 cents per point
This option requires that someone in your household has a premium Ultimate Rewards card: Chase Sapphire Preferred or Chase Ink Business Preferred. First move (combine) points from your no-fee card to one of these premium cards. Next, log into Chase under the account that now has the points, and go to the Chase Ultimate Rewards portal to book your travel. A $500 flight would usually cost 50,000 points if you used points attached to a no-fee Ultimate Rewards card, but with the Chase Sapphire Preferred it would cost only 40,000 points.Details about booking travel through Chase
You can use the Chase Ultimate Rewards portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles. Hotels booked this way do not earn hotel rewards. Worse, hotels booked through the portal often won't offer you elite benefits even if you have status. Unfortunately, Chase switched to an Expedia-backed portal and removed some ultra low cost carriers. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards. There is a work-around for some carriers though. Please see this post for details: How to book the cheapest flights with Chase Ultimate Rewards.Travel protections apply
When you pay with points for travel, Chase's automatic travel protections do apply. So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc. The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections. See: Sapphire Reserve Travel Insurance.Transfer points
The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.
Move points to premium or ultra-premium card first
You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners. Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.Transfer Partners
| Rewards Program | Best Uses |
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| Aer Lingus Avios | Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less. See also: Complete guide to Avios - British Airways, Iberia, and Aer Lingus. |
| Air Canada Aeroplan | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France offers very good business class award pricing between the US and Europe & Israel. |
| British Airways Avios | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Complete guide to Avios - British Airways, Iberia, and Aer Lingus. |
| Emirates Skywards | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be steep. See: Emirates Sweet Spot Awards - First class from 30K miles round trip. Another great use is to book JetBlue Mint flights. See: Book JetBlue Mint (including Mint Studio) with Emirates miles. |
| Hyatt | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth at least 1.5 cents each, but they’re sometimes worth far more. Bonus: award nights are not subject to resort fees. |
| Iberia Avios | Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower when booking with Iberia rather than British Airways. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Complete guide to Avios - British Airways, Iberia, and Aer Lingus. |
| IHG | IHG dynamically prices their awards and sometimes offer very good value. IHG credit cards can increase value: IHG Select Card (no longer available to new applicants) offers a 10% rebate on awards. IHG Premier, IHG Premier Business, and IHG Traveler Cards offer fourth night free on award stays. |
| JetBlue | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. JetBlue points can also be transferred to Amtrak 2 to 1 (with Amtrak points worth up to 2.9 cents each, this transfer can offer good value). |
| Marriott Bonvoy | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qatar Privilege Club Avios | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia) |
| Singapore Airlines KrisFlyer | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Southwest Rapid Rewards | Award flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point. |
| United MileagePlus | United offers free award changes, and free cancelations 30+ days before departure. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards. |
| Virgin Atlantic Flying Club | Virgin Atlantic offers a few great sweet spot awards including ANA first class between the US and Japan for as low as 55K points one-way; and US to Europe on Delta One business class for 50K points one-way. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Other ways to redeem points
Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences. With this approach you'll usually get 1 cent per point value. One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).
Chase Ink Business Unlimited Manage Points
Combine Points Across Cards
If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts. Your points can then be redeemed according to the card to which you move them. For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.
Share Points Across Cardholders
Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free).
Why this is valuable:
If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:
Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.
Why this is valuable:
- You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
- Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).
Transfer difficulties? Create a loop
If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:
- Chase Freedom Unlimited (Joe)
- Chase Ink Business Cash (Joe)
- Chase Sapphire Reserve (Suzy)
Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.
How to Keep Points Alive
Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.
Chase Ink Business Unlimited Lifecycle
How to meet minimum spend requirements
Once you are approved for a Chase card, you have three months to meet the required spend in order to get the signup bonus. Technically, you’re not supposed to use business credit cards for personal purchases, but it is quite common to do so. If you feel comfortable with it, use the new card for all of your usual spend.
If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, mortgage, contractors, etc.). Click here to find many more options for increasing credit card spend.
If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, mortgage, contractors, etc.). Click here to find many more options for increasing credit card spend.
Keep, cancel, or product change?
Is this card worth keeping in the long run? Yes! It has no annual fee and it offers 1.5X rewards for all spend. What’s not to like? If you decide to cancel anyway, make sure to first redeem any remaining points or move them to another Ultimate Rewards card.
Related Cards
Ultimate Rewards Business Cards
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Ultimate Rewards Consumer Cards
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So, just applied for this card for my spouse and was declined for 5/24 but in fact she only had 3 cards in 5/24. During the reconsideration discussion, the CSR mentioned that she was an authorized user on two cards that took her up to 5/24. So, had to clarify that she would not responsible for payments on those cards and then CSR approved the card. Is it expected behavior that 5/24 takes authorized user cards as part of the count?
I tried to transfer point to Hyatt, but couldn’t find a transfer option on the Ink Unlimited Ultimate Rewards page. I messaged and was told the transfer program in not available on the Ink Unlimited “The feature to transfer points to supported partner programs is not available on the Chase Ink Business Unlimited card. Only Chase Sapphire Preferred, Chase Sapphire Reserve, J.P. Morgan Reserve, Chase Ink Plus Business, Chase Ink Bold Business, Chase Ink Business Preferred and Chase Corporate Flex Card customers can transfer points to supported partner programs. You have other redemption options with Chase Ultimate Rewards: – Book flights or hotels for yourself or someone else through Ultimate Rewards with your points, Chase card, or a combination of both. – Redeem your points for cash back and have it deposited into most U.S. checking and savings accounts. – You may also choose to receive it as a statement credit on your account.”
Yes, that’s correct. You need one of the premium cards to transfer to partners. If you also have one of those cards — for instance, if you have the Chase Ink Business Preferred or the Chase Sapphire Preferred — you can click “combine points” to first move your Ultimate Rewards from your Ink Unlimited to your Ink Business Preferred or Sapphire Preferred and then you can transfer them on to Hyatt or other partners.
Without a premium card, your main option is to redeem points at a value of $0.01 each.
I don’t see the 75k option available. Only the $750
Chase advertises the bonus as $750 but it is delivered in the form of 75K Ultimate Rewards points.
FYI: The ability to add a household member for new accounts is no longer available online, but can be done by calling very confused customer service representatives. They keep transferring between several departments with everyone unaware of the feature NOT working online. I waited for over 30 minutes before hanging up.
PS: This is only an issue for creating a new household account. Existing household accounts are still operating as expected.
[…] See also: Chase Ink Business Unlimited Complete Guide […]
Is there an end date to the new business unlimited 75k offer? Or is there a rule of thumb for how long promotional offers like this last?
I’m juggling multiple offers and I’m trying to manage spend.
We haven’t been told of an end date. In a normal world, increased offers like this usually last at least a month and sometimes more, but in 2020 it is very hard to predict. We recently saw an offer that only increased for a couple of weeks.
Appreciate you answering my question.
If I can’t manage to apply before the 75k promo ends, what is the standard bonus and minimum spend? 50k points for 5k in spend?
If I have acquired this card as a result of a product change (downgraded my Business Ink Preferred in Aug 2020), when can I apply for this card to get the 50k SUB? I don’t have any EIN, so it would just be my SSN, which is tied into my current card, I presume. As a DP, I was just instantly approved for the United Business Card (75k SUB) using the same SSN.
Also, any idea if there is a referral bonus/link? I can refer my spouse.
[…] Alternatively, those who would consider applying for a business card would likely find the Chase Ink Business Unlimited more appealing than the Freedom Unlimited thanks to a much larger welcome bonus and identical […]
[…] are great reasons to want both the Ink Business Cash and the Ink Business Unlimited cards. The former has incredible 5X bonus categories while the latter offers 1.5X earnings on all […]
[…] Chase Ink Business Unlimited […]
[…] at least one to an Ink Business Unlimited (no annual […]
[…] current business card offers worth considering include two other Chase Ink cards: Ink Business Unlimited and Ink Business Cash. Each offers 50,000 points (worth at least $500) after $3,000 […]
[…] Chase Ink Business Unlimited offers the same 1.5x-everywhere earning structure as the Chase Freedom Unlimited. However, it […]
[…] Chase Ink Business Unlimited […]
I just got my new Chase Business Unlimited card. However, at the same time Chase reduced my Ink Plus credit line more than I wanted. Any risk if I request part of the old credit line be reinstated, as eyes may look at how I max out the 5x Ink Plus?
[…] towards our card pages becoming complete guides. So far, we have complete guides in place for the Chase Ink Business Unlimited Card and the Chase Ink Business Cash Card. We hope to round this out quickly with the other Chase […]
[…] released a new business credit card in May 2018: Ink Business Unlimited. Like the Chase Freedom card, the Ink Business Unlimited is advertised as a cash back card, but […]
[…] Chase Ink Business Unlimited: Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel programs. […]
I understand that one has to be under 5/24 to apply for this card. But does it subsequently count toward 5/24?
No, Chase business cards do not add to your count.
[…] Chase Ink Business Unlimited: 1.5X everywhere […]
Can you show me proof that one can get a 2nd bonus w/in 24 months? At the bottom of the application page it has the “24 month” language. You really need to correct/delete this information.
I’m not sure where you’re seeing that language — I don’t see it anywhere on the application.
See this post for an example:
https://frequentmiler.com/2017/11/01/newbies-second-dance/
In that case, he got two within about 6 months. We’ve had plenty of other reader reports and experience with this. Are you sure you’re looking at the right application?
Click on the APPLY NOW button and at the bottom of that page you’ll see it. It’s the penultimate “bullet” point. To wit:
I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.
This blog article is about the Chase Ink Business Unlimited. Your link is for a diff. card.
@Nick Reyes, Here’s the language I see on the application when you click TFM’s own affiliate link via this post, I don’t know why you can’t seem to find it:
“I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.”
Agree that there are many reports of owners of multiple business entities (different EINs) not being considered as “current or previous cardmembers.” This is the case in the post you linked to. However, the post we’re currently commenting in leaves out that required detail.
-PY
Lots of people have reported success with it. It seems that the language on the Chase landing page is what matters, not the language on the application itself. You are correct that the application itself says “I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months,” but I suspect that they put that there automatically for all cards. What really matters is the landing page under “Offer Details”. The 24 month language is not on the Offer Details page.
“Lots of people have reported success with it.”
I’ve never seen a single data point of anyone who’s applied for an Ink card and been approved using the same EIN unless they satisfy the language I quoted above. Not a single one.
The only positive data points I’ve seen are from those using different EINs.
I didn’t say that people used the same EIN, but I know of at least one confirmed case where someone did. I always recommend using a different business.