Link: Apply now for the Ink Business Unlimited® Credit Card with 75K bonus points
The Ink Business Unlimited® Credit Card is part of the Chase Ink Business card portfolio, and is one of the best no annual fee cards out there. Several weeks ago, we saw an incredible welcome offer rolled out on this card, which is in line with the best offers we’ve seen on the product.
If you’ve been considering applying but haven’t yet done so, this is a reminder that it’s your last chance — the current offer is expected to be pulled at 7AM EST on Thursday, November 7, 2024. It’s a card that I’ve applied for under this offer, and I recommend others consider doing the same.
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Chase Ink Unlimited Card 75K bonus points offer
The Chase Ink Unlimited Card currently has a welcome offer of 75,000 points after spending $6,000 within the first three months.
You’ll see that the bonus is marketed as offering cash back, rather than points, so it’s described as a $750 bonus. Indeed, you could redeem the rewards as cash back.
However, if you have the card in conjunction with a card earning Ultimate Rewards points, like the Chase Sapphire Preferred® Card (review) or Chase Sapphire Reserve® Card (review), then rewards can be transfered to Ultimate Rewards airline and hotel partners. Since I value Ultimate Rewards points at 1.7 cents each, that increases the value of the points by 70% right there, as far as I’m concerned.
I consider the 75,000 points to be worth $1,275. That’s unbelievably good, especially for a no annual fee card.
Who is eligible for the Chase Ink Unlimited Card bonus?
The Chase Ink Unlimited Card has pretty straightforward eligibility requirements, and follows Chase’s general card application rules:
- Eligibility for the bonus on this card is unrelated to whether you have any other Chase card, including the other Chase Ink cards, like the Ink Business Preferred® Credit Card (review) and Ink Business Cash® Credit Card (review)
- As a matter of fact, you can get multiple multiple Chase Ink Unlimited cards for different businesses (and receive all the benefits, including the welcome offer, for each); so if you have one for a corporation, you could also apply for one for a sole proprietorship, and hold them concurrently
- This card may be subjected to Chase’s 5/24 rule, which is to say that you may not be approved if you’ve opened five or more new card accounts in the past 24 months (this excludes many business cards); however, there are increasingly data points that this rule is no longer consistently enforced
- It’s generally considered a best practice to not apply for more than one Chase business credit card every 30 days, so I’d recommend observing that limit when applying
While Chase business cards can be tough to get approved for, they offer such fantastic bonuses and perks, so it’s worth the effort, in my opinion. Furthermore, it’s nice how the eligibility requirements aren’t too strict in terms of qualifying for the bonus. You can read about my experience getting approved for this card.
Why the Chase Ink Unlimited Card is worth it
The Chase Ink Unlimited Card has no annual fee, and there are several reasons to consider picking it up. The way I view it, there are a few points that are most important.
For one, the card has a solid rewards structure, as it offers a minimum of 1.5x points on all spending, making it one of the best Chase cards for everyday spending. Furthermore, the card offers primary rental car coverage, which can come in handy if you rent cars with any frequency, and is incredibly rare for a no annual fee card.
Also, since the card has no annual fee, there’s really no opportunity cost to holding onto it, and it allows you to create a great portfolio of cards to maximize rewards.
Read my review of the Chase Ink Unlimited Card.
Bottom line
The Chase Ink Unlimited Card is one of the most lucrative no annual fee cards out there. The card has a welcome bonus of 75K points, which is almost unheard of for a no annual fee card.
Not only does the card have a great bonus, but it offers rewards that can make it worth holding onto, like 1.5x points on everyday spending, plus rental car coverage. If you’re eligible for this card, I’d highly recommend applying. You can even potentially get the card for multiple businesses.
Do you plan on picking up the Chase Ink Unlimited Card with the current offer?
Can you have two Inks as a sole proprietor?
Some say yes and some say no. It *seems* to be easier if they are for two different businesses. I'm ASSUMING that your question is really:
Can I have two of the Chase Ink Unlimited Cards as opposed to:
Can I have two "ink" cards (there are 4 of them).
If the latter, then yes, you can have multiple of DIFFERENT cards for the SAME business. You can also have multiple cards...
Some say yes and some say no. It *seems* to be easier if they are for two different businesses. I'm ASSUMING that your question is really:
Can I have two of the Chase Ink Unlimited Cards as opposed to:
Can I have two "ink" cards (there are 4 of them).
If the latter, then yes, you can have multiple of DIFFERENT cards for the SAME business. You can also have multiple cards of the CIP for the SAME business (at least anectdotally). The other 3 cards seem "iffy" if you can get multiples for the SAME business. Some folks report they can and have been approved for multiple Ink Unlimited, Ink Cash, etc. for the same business, and others report that they have been denied.
Although Chase is currently really tightening up (IMO) on approvals.
Two weeks ago my business acciunt manager had a 120K SUB special going on, so I picked it up (and an Ink Preferred for another business that didn't have it yet, also with the 120K bonus).
Used a referral from P2 before applying for the 90k sub offer on the Ink Unlimited. 20k referral bonus already posted to P2's UR account. Approval wasn't instant - status was pending for a week before receiving a call from a level 1 Chase rep, who asked a few basic questions about revenue, profit and anticipated expenses on the card. Was approved over the phone and card arrived in the mail a week later. Effectively...
Used a referral from P2 before applying for the 90k sub offer on the Ink Unlimited. 20k referral bonus already posted to P2's UR account. Approval wasn't instant - status was pending for a week before receiving a call from a level 1 Chase rep, who asked a few basic questions about revenue, profit and anticipated expenses on the card. Was approved over the phone and card arrived in the mail a week later. Effectively 90k+20k+6k on a no annual fee card is a pretty good option
well it may be the best deal Chase ever has for it, but I got it last year with the same offer....