Review of the Chase Ink Business Unlimited Credit Card: 1.5x Rewards Points and No Annual Fee

Overview of the Chase Ink Business Unlimited Card

The Chase Ink Business Unlimited card stands out as a remarkable option in Chase's business credit card lineup. With no annual fee and an attractive introductory bonus, it could be one of the best choices for those seeking a card for everyday expenses.

Attractive Welcome Offer

Currently, the Ink Business Unlimited card offers a welcome bonus of up to 75,000 points (equivalent to $750 cash back) when you spend $6,000 within three months of account opening. This is a very appealing offer, especially for a card that has no annual fee.

Rewards Structure

The Chase Ink Business Unlimited earns 1.5 points for every dollar spent on all business purchases, with no limits. This means you don’t have to worry about different reward categories and can simply use the card for all transactions.

If used correctly, this card is Chase's best option for earning Ultimate Rewards points on daily spending.

Foreign Transaction Fees

One important point to note is that the Chase Ink Unlimited has a 3% foreign transaction fee. Therefore, if you frequently travel abroad, you might want to consider other options like the Ink Business Preferred, which has no foreign transaction fees.

How to Maximize Reward Value

While the Ink Business Unlimited is considered a cash back card, you can actually convert your rewards points into Ultimate Rewards points. If you also have a card like the Chase Sapphire Preferred or Chase Sapphire Reserve, the value of your points can significantly increase.

By transferring points between cards, you can gain more value when redeeming points through Chase Travel. For instance, if you have the Chase Sapphire Reserve, you can redeem points at a value of up to 2.5 cents per point for travel-related transactions.

Additional Benefits of the Chase Ink Business Unlimited Card

In addition to the rewards benefits and no annual fee, the card also provides rental car insurance. This card covers damage to rental cars in most countries, as long as you comply with legal regulations and the terms of the rental agreement.

To take advantage of this benefit, simply decline the rental car company's insurance and pay for the rental in full with your Chase Ink Business Unlimited card.

Useful Information for Vietnamese Travelers

For Vietnamese travelers, having a credit card like the Chase Ink Business Unlimited can open up many opportunities for earning points and saving costs. However, you should note that this card can only be applied for by U.S. citizens or permanent residents. If you plan to travel to the U.S., applying for this card could help you earn points for future trips.

Chase also has clear policies and terms regarding card usage for business, so ensure you meet the requirements before applying.

Tip: If you're a business owner who frequently spends for work, consider using the Chase Ink Business Unlimited in conjunction with other Chase cards to maximize the rewards value you can earn.

Article referenced and edited from: One Mile at a Time