Chase’s Ink Business Unlimited® Credit Card is the easiest no-annual-fee business card to justify right now, and the $750 welcome bonus makes the math nearly impossible to argue with. Flat 1.5% cash back on everything, $0 annual fee, 0% intro APR for the first year, and a couple of new partner perks.
The most important thing to note here is that this card does not earn transferrable points on its own. You will need to pair it with a Chase card that does in order to maximize travel value.
Here’s what’s actually worth knowing before you apply.
The Current Welcome Offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
That’s a 12.5% return on the spend required to hit the bonus, which is one of the best no-annual-fee business card offers Chase has run.
The fine print to actually pay attention to — and this is new as of November 2025: you won’t qualify for the welcome bonus if you’ve ever had the Chase Ink Business Unlimited OR the Chase Ink Business Cash. Chase now treats the two no-annual-fee Ink cards as one bucket for bonus eligibility. If you’ve earned the bonus on either card at any point in the past, you’re likely blocked from earning the bonus on the other.
How to Move Your Cash Back to a Card That Transfers to Airlines
This is the single most important thing to understand about the Chase Ink Business Unlimited, and it’s the step that separates people who use this as a 1.5% cash back card from people who use it to fly business class to Europe for pennies.
The cash back you earn isn’t actually cash back. It’s Ultimate Rewards points, valued at 1 cent each when redeemed as cash. But those points become dramatically more valuable the moment you move them to a Chase card that has airline and hotel transfer partners.
Here’s exactly how to do it.
Step 1: Make sure you have a qualifying Chase card.
These three Chase cards unlock transfer partners:
- Chase Sapphire Preferred® Card ($95 annual fee)
- Chase Sapphire Reserve® ($795 annual fee)
- Chase Ink Business Preferred ($95 annual fee)
You need at least one of these in your account. If you don’t have one yet, the Sapphire Preferred is the cheapest entry point and the Ink Business Preferred is the best business-side option.
Step 2: Log into your Chase account and find the points combination tool.
On desktop, log in at chase.com, click on your Ink Business Unlimited, then look for “Ultimate Rewards”. Once inside Ultimate Rewards, look for “Combine Points”.
On mobile, the path is similar but the menu lives under the three-dot icon next to your card.
Step 3: Move the points.
Select your Ink Business Unlimited as the source card and your Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred as the destination. Enter the amount of points you want to transfer. The transfer is instant and there’s no fee, no minimum, and no limit.
Important note: you can move points between your own cards, and you can also move points to a household member’s qualifying Chase card. That’s a useful loophole if your spouse has a Sapphire Reserve and you only have the Ink Unlimited.
Step 4: Transfer to an airline or hotel partner.
Once your points are sitting in your Sapphire or Ink Preferred account, you can transfer them 1:1 to any of Chase’s transfer partners:
Transfers happen in 1,000-point increments and most are instant. To learn more about the value of transferring your points versus using them in the credit card portal, read this detailed guide.
The bottom line on this whole process.
A $750 welcome bonus is worth $750 as cash back. The same 75,000 points transferred to Hyatt could easily book $1,500 or more in hotel stays. Transferred to Aeroplan or Air France, those points could book a one-way business class flight to Europe, worth over $3,000.
This is why points-and-miles people don’t think of the Ink Business Unlimited as a 1.5% cash back card. They think of it as a 1.5x transferable points machine — the best flat-rate Ultimate Rewards earning card in the entire Chase lineup.
How the Rewards Actually Work
1.5% unlimited cash back on every purchase. No bonus categories, no caps, no rotating quarters to activate.
Cash back is technically Ultimate Rewards points worth 1 cent each as cash back. And here’s the part most people miss: if you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can combine the points from your Ink Unlimited into that account and transfer them to airline and hotel partners.
That’s how this card goes from a 1.5% cash back card to a 1.5x transferable points card. United, Hyatt, Air Canada Aeroplan, Air France/KLM Flying Blue, Southwest, IHG, Marriott, British Airways, Iberia, JetBlue, Singapore Airlines, Virgin Atlantic, and more.
New Partner Benefits Worth Using
Chase recently added two partner perks that easily add value if you were already using these services anyway:
5% total cash back on Lyft rides through September 30, 2027. This stacks on top of the base 1.5%, so you’re earning 5% total — not 1.5% + 5%. Still, 5% on rideshare is solid if you travel for business.
Three-month complimentary Instacart+ membership plus a $20 monthly Instacart credit auto-loaded into your Instacart Business Account once activated. Benefits run through December 31, 2027. The $20 monthly credit is the actual value here. That’s $240/year if you use it, which on a no-annual-fee card is essentially free money.
0% Intro APR
0% intro APR for 12 months on purchases from account opening. After that, the variable APR is 16.74% to 24.74%.
If you’re funding a business expense (equipment, inventory buildout, a marketing push), the 12 months of 0% APR is a legitimate financing tool. Just have a plan to pay it off before the intro period ends — the standard APR is steep.
Who Should Apply for the Chase Ink Business Unlimited
This card is a strong fit if you:
- Run a business (including side hustles, freelance work, eBay/Etsy stores, rental properties, or 1099 income — Chase’s definition of “business” is broader than people assume, read this guide to learn more about who can be eligible for business credit cards)
- Want a simple flat-rate cash back card and don’t want to keep track of bonus categories
- Already have or plan to get a Sapphire Preferred, Sapphire Reserve, or Ink Preferred to convert cash back into transferable points
- Aren’t currently affected by Chase’s 5/24 rule (this card counts toward 5/24 on application but doesn’t show on personal credit reports once approved)
Who Should Skip This
Skip the Chase Ink Business Unlimited if you:
- Are over 5/24 — you won’t get approved, period
- Don’t have any business activity to put on a business application
- Spend heavily in specific bonus categories where another card would earn 3-5x (the Ink Cash earns 5% on office supplies and internet/cable/phone; the Ink Preferred earns 3x on travel and shipping)
- Won’t pair it with a premium Chase card to unlock transfer partners — if you’re truly only using this as cash back, the 1.5% return is fine but not exceptional
Ink Business Unlimited® Credit Card vs Ink Business Cash® Credit Card vs Ink Business Preferred® Credit Card
Quick honest take: if you only get one Chase business card, the Ink Preferred is usually the better long-term play because of the transferable points and 3x bonus categories. But the Ink Unlimited is a no-brainer second card to pair with it — flat 1.5x on everything that doesn’t fit your other cards’ bonus categories.
The Ink Cash and Ink Unlimited together are the best free combo: 5% on office supplies/internet/cable/phone, plus 1.5% on everything else. Both have $0 annual fees.
You can have all three.
Chase Ink Business Card Comparison
Bottom Line
The Chase Ink Business Unlimited is an exceptional card – for the right use case. $750 welcome bonus (75,000 points), $0 annual fee forever, 1.5% cash back on every single purchase with no categories to track, a $20/month Instacart credit that pays you $240 a year just for groceries you’d buy anyway, 5% back on Lyft, 12 months of 0% APR to fund business growth, and a direct line to airline transfer partners the moment you pair it with the rights card.
The current $750 welcome offer is one of the strongest no annual fee business card offers around, and the lower $6,000 spend threshold makes it more accessible than ever. If you’re under 5/24 and don’t already have an Ink Cash or Ink Unlimited, this is one of the easiest yes decisions in the credit card world right now.
Click here to learn more about the Ink Business Unlimited Credit Card.
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