Ink Business Unlimited® Credit Card Review (2025.11 Renewal: $750 offer; New bonus restricted)
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2025.11 Renewal: The $900 offer has expired. Currently there are only 75k offers. BTW, there are new bonus limits on this card: “New Cardmember Bonus The bonus may not be available to you if you have previously had this card or another business card chase without an annual fee.“HT: DDG.
2025.9 Renewal: $900 offer returns.
2025.5 Renewal: Third Party Website Rakuten offers an extra $300 with CIU! Rakuten Cashback can be converted into M Mhubi points to be recognized as 30k MR. This is a great addition to the delicious welcome offer! [Update] Rakuten offer + $ 300 reduced to + $ 100. [Expired] Current supply is 75k.
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Benefits
- $750 Offer: Get $750 BONUS Cash back after spending $6,000 within the first three months of card membership. Best recent offer is 90k.
- Get 1.5x ur on everything, no cap!
- Although this card is advertised as a cashback card, it actually earns ur points. We estimate that the last rewards (ur) points are worth about 1.6 cents / point, see below for a brief introduction. So the 75k signup bonus is worth $1,200, and the 1.5x earning rates equals a 2.4% return.
- Purchase Protection – Covers new purchases for up to 120 days against damage or theft up to $10,000 per claim of $10,000 account.
- Primary car rental insurance. However, unless you can prove you’re traveling for business (which you’ll be required to do in the application process), you’ll be better off using basic rental car insurance from Chase Sapphire or Chase Sapphire Reserve.
- Refer a friend: You can earn 15,000 ur bonus points with every approved account you refer, up to 75,000 ur points per calendar year.
- There is no annual fee.
Bad
- It has foreign exchange fees, so it’s not a good choice outside of the US.
Introduction to ur points
- You can earn ur points with Chase Freedom Student, chase freedom, chase freedom unlimited (CFU), Chase Sapphire Reserve (CSR), chase Ink Cash (Business), Chase Ink
- You can transfer your ur points from one ur card to another at any time.
- Ur points never expire. You will lose ur points on one card when you close the account, but you can prevent losing your ur points by transferring points to another ur card beforehand.
- If you redeem preferred sapphire (CSP), Chase Sapphire Reserve (CSR), or preferred Chase Ink (business), UR Points can be transferred to certain hotel points. Another best way to use ur points is 1:1 Transfer to Hyatt points. ur points can also be transferred to other airline miles. One of the most common and best ways to use ur points 1:1 transfer them to United Airlines (UA) miles (Star Alliance), and combine them with UA miles earned on the UA card. Some good options are: Southwest (WN-Alliance), British Airways (BA) (OneWorld), vorgin atlantic (vs) (anc-alliance (alc-alliance)
- If you fire Sapphire Reserve (CSR), you can redeem your ur points for up to 2.0 cents for airline tickets or hotels in the travel feature of “Raising Points”; If you’ve worn Sapphire Preferred (CSP) or Chase Ink Preferred (business), the price goes up to 1.5 CPP (or 1.75 CPP for Premium Cabib).
- If you have other ur cards, you can redeem your ur points at a rate limited to 1 cent / point towards cash.
- In summary, we estimate that ur points are worth cents / point / point.
- For more information on UR points, see Maximize Credit Card Points Values (overview), and UR Import: How to use and import (more detailed).
Recommended application period
- [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not allow you to apply for this card, no matter how high your score is. The number of new accounts includes all credit card accounts, not just checking accounts. See this post for details on how to bypass this rule.
You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that that 24-month clock starts when you last received a sign-up bonus, not when you open or close an account.[Correction] There is no such rule in the Chase Ink series!- [New] The new Cardmelmember bonus may not be available to you if you have previously had this card or another business card chase without an annual fee.
- Do not apply for more than 1 Chase credit card within 30 days, it is very likely that you will be rejected.
- We recommend that you apply for this card after you have had a credit history of more than a year.
To put it briefly
If you make a lot of business money, then I recommend you sign up for this card. 1.5x ur looks like it’s not attractive at first, but there is no cap on inconive that gets more than other Ink cards with bonus categories that correspond to slots of the year, where you can spend a lot of money in your business. Just remember this card is under 5/4 rule before applying.
Credit cards are related
After applying
- Call 800-453-9719 to check the status of Chase Business Cards. This is an automated call line, and the information has the following definitions: Get a decision in 2 weeks means your application is likely to be approved; Get a decision in 7 – 10 days means your application has been rejected; Get a decision in 30 days it just means your app needs updating and I can’t tell you anything now.
- Chase Resersoor Backdoor Number: 888-270-2127 or 888-609-7805. Business cards are hard to remember. Be prepared to be asked for a lot of details about how your business works.
History Chart
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