Why You Might Want To Get The Chase Ink Unlimited Card Soon

Filed Under: Chase, Credit Cards
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In May we saw Chase introduce the new Ink Business Unlimited℠ Credit Card, which is a compelling new no annual fee card that’s rewarding for everyday spend, has a great welcome bonus, and also offers useful perks.

This is part of Chase’s excellent Ink Business Card lineup, which otherwise includes the Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card.

The new Ink Business Unlimited offers 1.5x points per dollar spent, with no limit to how many points you can earn. In conjunction with a card earning Ultimate Rewards points (like the Chase Sapphire Preferred® CardChase Sapphire Reserve®, or Ink Business Preferred), you can convert these points into Ultimate Rewards points that can be transferred to airline or hotel partners.

The three Ink Business Cards have phenomenal welcome bonuses, which I’d consider to be the best out there by different metrics:

  • The Ink Business Preferred offers 80,000 Ultimate Rewards points after spending $5,000 within three months, which I consider to be the single best welcome bonus of any credit card out there; I value those points at $1,360
  • The Ink Business Cash and Ink Business Unlimited each offer 50,000 points after spending $3,000 within three months, which I consider to be the best welcome bonuses of any no annual fee credit cards; I value those points at $850

Anyway, if you’ve been considering picking up any or multiple of these cards, it could make sense to apply for the Ink Business Unlimited first. Doctor Of Credit notes that Chase is sending out emails regarding the card indicating that the welcome bonus ends on September 20, 2018. I haven’t seen official public communication about this, though to me this would be a reason to apply for the Unlimited first, ahead of the Cash or Preferred, assuming you were hoping to pick up multiple of these cards.

I consider the Ink Unlimited to be the single most rewarding card for everyday, non-bonused business spend without any caps on how many points you can earn. Add in the excellent welcome bonus, lack of an annual fee, primary car rental coverage, and more, and this really is a spectacular card.

For more on the process of getting approved for a Chase business card as a sole proprietorship, see this post.

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  1. I tried pulling rank on the recon line.

    “But I applied using lucky’s link. I read his website everyday. You have to approve my application. ”
    “Lucky, who? Sir, we don’t like people calling us and whining. Only overgrown white Republican males like the scumbag in the white house and his enablers are tolerated to whine in this country”

    Lucky, please do more for your readers with chase. Some string pulling?

  2. I was declined for it since they said I’d applied for too many biz cards recently. In the past 7 months I’ve picked up the ink Biz preferred and the ink biz cash. Seems you’re thinking it’s possible to get all three easily. Recon line asked me why I needed all three, I had a valid reason for my biz spend spread across all three but that didn’t help. Maybe I’ll try again later in Sept…

  3. They have had me jumping through hoops for a couple of weeks as well. Latest request was for an EIN verification letter.

  4. My husband was declined for the Ink Cash a few weeks ago–despite insanely good credit and his willingness to shift Chase business credit from his United Business card and/or Chase Ink Preferred and Chase Ink Plus cards. (All possessed for many years.) They asked for his financials, which he wasn’t willing to share. Seems Chase is getting very restrictive on approvals lately, even for amazing customers.

  5. my banker confirms the deadline. I am re-applying currently with their help. chase can be tough to get through. EIN is a 100% must, no way around that. if you have been declined, have a banker at a branch submit for you. they can be your advocate with the approval folk. of course you do need to be a client to get that service, but it has solved issues for me before at chase.

  6. Debit – Why do you consistently turn every non-political issue in a hate-Trump issue. This is not supposed to be a political forum. Please refrain – believe me, no one is interested in your political view point.

  7. Lucky,
    Im one of them peoples who are waiting to be under 5/24 to apply for Chase Business Cards and walked into a local chase branch and was offered 80+20 = 100k sign Up for the Ink Preffered so now im in a pickle as to which one to trigger first when im eligible in a few weeks

    Ps. is there a way to inquire with chase on my 5/24 status to insure im eligible (not sure how exactly they calculate the dates vs, my count)

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