News: 90K UR Points with the Chase Ink Business Unlimited Card
Introduction
The Chase Ink Business Cash card and the Chase Ink Business Unlimited card both currently have welcome bonuses of 90,000 points after spending $6000 in the first three months. Both of these cards have $0 annual fees! These are fantastic business cards to get due to their $0 fee and the bonus is fantastic after the spend. Ideally you would have a min. of 96,000 UR points, assuming basic spend.
Let’s break it down a bit.
Earning 90,000 points after $6,000 in purchases in 3 months is a fantastic deal on a card with no annual fee. Note that Chase advertises the Ink cards as cash back cards, so they advertise $900 cash back — but that bonus is awarded in the form of 90,000 Ultimate Rewards points. If you only have one of these Ink cards, then you would be limited to using those points for a statement credit at $0.01 per point (or similar redemptions for gift cards / travel), but if you have a card that allows transfers to partners (like the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred), then you can move points to that card from one of these Ink cards and then onward to partners. That makes this bonus highly valuable since it is easily possible to get 1.5c per point in value or more when transferring to partners.
These are some of my favorite cards for my businesses, and for so many reasons:
5x bonus categories. No annual fee. Ability to convert into Ultimate Rewards. The Chase Ink Business Cash® Credit Card is a card I keep squarely in my wallet, and one you should highly consider acquiring with this all time high sign up bonus. It’s one of the best small business credit cards you can hold. A $900 sign up bonus after spending $6000 in the first 3 months matches the best ever!
The Chase Ink Business Cash® gives you the ability to earn 5x points on purchases at office supply stores, internet, cable, and phone services up to $25k total a year. That’s 125k points if maxed out.
Earn 5% cash back at office supply stores, internet, cable and phone services
2% cash back at restaurants and gas stations
1% back on all other purchases
90,000 UR points or $900 (take the points, trust me)
0% APR on purchases for first 12 months
no annual fee
Earns 1.5% cash back on all purchases
90,000 UR points or $900 (take the points, trust me)
0% APR on purchases for first 12 months
no annual fee
You can use the points on these cards for cash back. Or, if you have another Chase card with Ultimate Rewards like the Chase Sapphire Preferred, the Chase Sapphire Reserve or or the Chase Ink Business Preferred, you can combine points and transfer to Chase travel partners. I frequently use this option to transfer points to Hyatt, Southwest, United and more.
The Power of Chase Cards
When you pair your Chase Ink Business Unlimited with a card that earns transferrable Chase Ultimate Rewards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Chase Ink Business Preferred® Credit Card you can combine the points into that account to make them more valuable:
Chase Sapphire Reserve:
If you carry a Chase Sapphire Reserve you can transfer from the Ink Business Unlimited to the Reserve 1:1. Chase Reserve points can be redeemed for 1.5 cents a point in Chase Travel meaning you’ve increased the value of your points by 50% just by transferring. This effectively means that card earns 2.25 cents back per dollar spent.
Chase Sapphire Preferred and/or Chase Ink Business Preferred:
When you transfer from The Chase Ink Business Unlimited into either of these cards your points are able to be redeemed at 1.25 cents per point in Chase Travel. That’s a 25% increased in value, and you’re effectively earning: 1.5×1.25 = 1.875 cents towards redemptions in Chase Travel.
What Counts as a Business?
Chase is very friendly to entrepreneurs and small business owners. In fact, if you haven’t been in business for long, or you haven’t established yourself with an EIN, you can still apply as a Sole Proprietor ( fill in your SSN ). It’s a great way to start something on the side and build your portfolio up alongside these business cards.
What qualifies as a Small Business?
Online Coaches, tutors, etc
Uber and Lyft drivers (assuming they still get 1099s whenever you’re reading this).
DoorDash, GrubHub and Postmates
Social Media income ( TikTok, Instagram, YouTube )
Cater Waiters
Personal Trainers
Dog Walkers
Freelance graphic designers and web designers
Singers, artists, dancers, models, etc
Virtual Assistants
Ebay, Amazon and Facebook resellers
If you run a small side business and want a card to segregate your business income from your personal income at tax time…this is a great opportunity to earn a load of points and help yourself out. Personally, I have 3 businesses that I run, two have an EINs, and one doesn’t. I still need to keep all of their records separate, and so I have cards for each business.
