Ink Business Unlimited Credit Card

My husband and I both hold the Chase Ink Business Unlimited® — and it's one of those cards that quietly does a lot of work in the background without costing you anything to keep.

The no annual fee is the headline feature, but the real story is how this card fits into a broader Chase strategy. On its own the Ink Unlimited earns 1.5% cash back on everything. But paired with a Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred®, those earnings convert to full Chase Ultimate Rewards® points — transferable to Hyatt, United, Southwest, and all of Chase's other partners. That's a significant upgrade in value from a no-fee card.

Think of it as the perfect catch-all card for business expenses that don't fall into a higher earning category. When you're not sure which card to use — or when none of your other cards earn a bonus on a particular purchase — the Ink Unlimited is the answer. 1.5x on everything with no fee and no expiration on the points as long as your account is open.

The welcome offer is also one of the best available on a no-fee business card. The standard $750 offer is strong — but keep an eye out for the elevated offer of 90,000 points which comes around roughly once a year. That's an exceptional amount of points for a card with no annual fee.

One important thing to know: Chase recently changed the eligibility rules so that you can only earn a welcome offer on the Ink Unlimited OR the Ink Business Cash® once per lifetime. This makes timing your application strategically more important than it used to be — wait for an elevated offer if you can.

The standard public offer on the Chase Ink Business Unlimited® is $750 bonus cash back (equivalent to 75,000 Ultimate Rewards® points when paired with a premium Chase card) after spending $6,000 in the first 3 months.

Approximately once a year Chase runs an elevated offer of 90,000 points — a significant increase that's worth waiting for if you're not in a rush. Given the recent lifetime eligibility change you only get one shot at this welcome offer, so timing your application to coincide with an elevated offer is worth the patience.