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Chase Ink Business Unlimited: The Best No-Fee Business Rewards Card?
July 1, 2025
Are you tired of watching your business expenses drain your account without getting anything in return? If you’ve been on the lookout for a top business credit card, now’s the perfect time to consider the Ink Business Unlimited® Credit Card. New cardmembers can earn 75,000 bonus points after spending $6,000 in the first three months.
Ink Business Unlimited® Credit Card at a Glance
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The Best No-Fee Business Rewards Card?
The Chase Ink Business Unlimited offers an impressive array of benefits, starting with a record-breaking welcome bonus of 75,000 Chase Ultimate Rewards points when you spend $6,000 in your first three months. You'll earn unlimited 1.5x points on every business purchase with no category restrictions to track. The card's versatility shines through Chase's Ultimate Rewards portal, offering multiple redemption options, and you can maximize value by combining points with premium cards like the Chase Sapphire Reserve®. Best of all, there's no annual fee, keeping more money in your business where it belongs.
Best Options To Maximize the Chase Ink Business Unlimited's 75,000 Point Bonus
- Take it as $750 cash back for maximum flexibility - perfect for business expenses or future travel
- Book Qatar Airways' luxurious Qsuite (normally $10,000+) through JetBlue for 70,000 points plus minimal fees
- Stay 3 nights at high-end Hyatt properties like Park Hyatt Maldives or Hotel du Louvre Paris (25,000 points/night vs $1,200+ cash)
- Fly business class to Spain through Iberia for just 34,000 Avios each way from East Coast cities
- Use United's Excursionist Perk for a free flight within Europe or other regions on multi-city trips
- Book multiple domestic flights through Southwest, JetBlue, or United - short-hauls start at just 6,000 points
- Score round-trip flights to Europe for 15,000 points through KLM/Air France Flying Blue promotional deals
When paired with premium Chase cards, your 75,000 welcome bonus points gains additional value through Chase Travel℠. The portal functions like familiar booking sites such as Expedia, offering flights, hotels, and rental cars without blackout dates. While typically not as valuable as strategic transfer partner redemptions, it's an excellent backup option for complex itineraries or when award availability is limited through partners. Just remember to transfer your points to the premium card first—otherwise, they'll remain at the standard 1 cent per point value.
Additional Perks That Add Even More Value
The Chase Ink Business Unlimited offers valuable year-round perks beyond its rewards structure. You'll get primary rental car insurance for business trips, saving you money on rental coverage. Purchase protection covers new items against damage or theft for 120 days (up to $10,000 per claim), while extended warranty protection adds an extra year to eligible manufacturer warranties. The card also includes zero liability protection, fraud monitoring, and free employee cards to help track business spending. Travel benefits include trip cancellation/interruption insurance and roadside dispatch services. Plus, access quarterly account summaries and spending reports to simplify tax time and expense tracking—all with no annual fee.
The Numbers Make Sense
Let's put this into perspective: spending just $67 per day on your business (roughly $2,000 monthly) with your Chase Ink Business Unlimited will not only secure your welcome bonus but also earn you an additional 7,500 points from regular spending.
Who Should Apply for the Chase Ink Business Unlimited?
This card is perfect for:
- Small business owners
- Freelancers
- Driving for Uber or DoorDash
- Selling items on Etsy or eBay
- Dog sitting or babysitting
- Tutoring
- Side hustler
- Online sellers
- Anyone with regular business expenses wanting simple, unlimited 1.5x rewards
Comparing the Ink Business Unlimited to Other Premium Business Cards
The Chase Ink Business Unlimited's main competitor is the American Express Blue Business Cash™ Card, which offers 2% cash back on the first $50,000 in purchases yearly (then 1%) and features similar business management tools—though its welcome bonus is typically lower (See Rates & Fees). The Capital One Spark Cash Select matches the Ink's 1.5% unlimited earning rate and zero annual fee, but the real value difference comes from Chase's ability to transfer points to travel partners when paired with premium Chase cards like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.
For business owners who prefer category bonuses over flat-rate rewards, the American Express® Business Gold Card (See Rates & Fees) offers 4X points in your top two spending categories each month from a select list (on the first $150,000 in combined purchases from these categories each calendar year, then 1x), though it carries a $375 annual fee. Meanwhile, the Ink Business Preferred® Credit Card — the Unlimited's premium sibling—earns 3X points in key business categories like travel and advertising, with a $95 annual fee.
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers 3% cash back in a choice category and 2% on dining, but caps category rewards at $50,000 in combined choice category/dining purchases each calendar year—making the Ink Business Unlimited's uncapped 1.5X earning potentially more valuable for higher-spending businesses.
The right choice ultimately depends on your business spending patterns and rewards strategy. If you value simplicity and travel flexibility, the Ink Business Unlimited's combination of flat-rate earnings and Ultimate Rewards transfer options makes it compelling. For category spenders, the Business Gold's 4X earnings might offset its annual fee, while cash-back focused businesses might prefer the Blue Business Cash's higher 2% rate despite its spending cap. Those looking to maximize Ultimate Rewards across multiple cards might find the Ink Business Preferred's bonus categories complement the Unlimited's everyday earning rate—creating a powerful rewards strategy when used together.
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The Best Part? Easy Qualification
Don't let the term "business card" intimidate you. The Chase Ink Business Unlimited is accessible to many entrepreneurs. Whether you're selling items online occasionally or just starting a side hustle, you can apply as a sole proprietor using your SSN. The application process is straightforward, and you can use your personal income to qualify.
The Chase Ink Business Unlimited typically requires good to excellent credit for approval, with credit scores generally needing to be 700 or higher. However, business credit cards also consider other factors like your business revenue, personal income, and relationship with Chase. Keep in mind Chase's unofficial 5/24 rule, which means you likely won't be approved if you've opened 5 or more personal credit cards (across all banks) in the past 24 months. Even without an established business credit history, you can qualify based on your personal credit profile and income.
Final Thoughts
If you've been considering a business rewards card, the Chase Ink Business Unlimited presents an exceptional opportunity to maximize your business spending. With no annual fee, it's an attractive option for both established businesses and entrepreneurial ventures. Have you been looking for ways to make your business expenses work harder for you? The Chase Ink Business Unlimited just might be your answer.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
