Ink Business Unlimited: Approved, Yay!

Filed Under: Chase, Credit Cards

I am so excited! A few days ago I applied for the Ink Business UnlimitedSM Credit Card. This is one of Chase’s excellent no annual fee business credit cards. It offers:

  • A welcome bonus of 50,000 points after spending $3,000 within three months (this is marketed as $500, but that can be turned into 50,000 Ultimate Rewards points)
  • 1.5x points per dollar spent with no caps, so it’s essentially the business version of the excellent Chase Freedom Unlimited®

My strategy with applying for this card

I held off on credit card applications for several months so that I’d get under the 5/24 limit:

My application results

I wasn’t instantly approved for the Ink Unlimited, but then again, I don’t think I’ve ever been instantly approved for a Chase business card.

When I applied I got the “thanks for applying” message. Typically Chase then sends you the card and a letter if you’re approved, though one way to see as soon as you’re approved is to just keep an eye on your Chase log-in, and if you get approved you should see the card suddenly appear… and that’s exactly what happened for me. Cool!

Was it worth waiting for these cards?

As I mentioned above, getting under the 5/24 limit was quite a waiting game for me. However, in the end I’d say it was well worth it. Between the Ink Business UnlimitedSM Credit CardInk Business Cash℠ Credit Card, and Ink Business Preferred℠ Credit Card, I’m paying a single $95 annual fee, and I’m getting an unparalleled return on my business spend, including:

  • 5x points on the first $25,000 of combined purchases per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines
  • 3x points on the first $150,000 of combined purchases per cardmember year on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines
  • 2x points on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations
  • 1.5x points on all other purchases

Seriously, how awesome is that? You can bet I’ll be getting value out of these cards for a long time to come.

  1. Hi Lucky! Great post! I am happy for you to stick with your plan and get all the cards you want. One question, do you wait 30 days after you 1. apply your 1st chase business credit card 2. get the approval of your 1st chase business credit card or 3. received your actual 1st chase business credit card? I find this 30 days rule kind of vague to understand. Thanks!

  2. I have this card as well. I’m new to the Chase points scene. Can I transfer them to Alaska Air, AA or Delta? What’s the best way to utilize them?

  3. @Kit, IMO transfer them to Hyatt for lux hotel stays. If you want lux flights, transfer them to Singapore and fly on their new A380 suites, arguably the best in commercial aviation.

    They don’t transfer to Alaska, AA or Delta. Domestically, they transfer to United and Southwest. But you’ll get the most first class travel out of them by doing what I suggested above, if that’s your thing.

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