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$750 bonus and unlimited 1.5% back with $0 annual fee
Earn unlimited 1.5% cash back on every business purchase with no annual fee and no category tracking. The $750 welcome bonus after $6,000 in 3 months delivers outsized value for a free card. Pair with Chase Sapphire Preferred or Reserve to unlock 14 transfer partners and boost point values to 2+ cents each.
$0
Annual Fee
750
Ultimate Rewards points · Welcome Bonus
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 750 Ultimate Rewards points
Spend: $6,000
Period: 3 months
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 16.74%–24.74% (Variable) |
| Cash Advance APR | 24.74% (Variable) |
| Foreign Transaction Fee | 3% |
$750 bonus and unlimited 1.5% back with $0 annual fee
Earn unlimited 1.5% cash back on every business purchase with no annual fee and no category tracking. The $750 welcome bonus after $6,000 in 3 months delivers outsized value for a free card. Pair with Chase Sapphire Preferred or Reserve to unlock 14 transfer partners and boost point values to 2+ cents each.
$0
Annual Fee
750
Ultimate Rewards points · Welcome Bonus
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 750 Ultimate Rewards points
Spend: $6,000
Period: 3 months
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 16.74%–24.74% (Variable) |
| Cash Advance APR | 24.74% (Variable) |
| Foreign Transaction Fee | 3% |
$750 bonus and unlimited 1.5% back with $0 annual fee
Earn unlimited 1.5% cash back on every business purchase with no annual fee and no category tracking. The $750 welcome bonus after $6,000 in 3 months delivers outsized value for a free card. Pair with Chase Sapphire Preferred or Reserve to unlock 14 transfer partners and boost point values to 2+ cents each.
$0
Annual Fee
750
Ultimate Rewards points · Welcome Bonus
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 750 Ultimate Rewards points
Spend: $6,000
Period: 3 months
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 16.74%–24.74% (Variable) |
| Cash Advance APR | 24.74% (Variable) |
| Foreign Transaction Fee | 3% |
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
The Ink Business Unlimited earns a flat 1.5% cash back on every purchase with $0 annual fee. Its $750 welcome bonus is massive for a free card. Points become transferable Ultimate Rewards when paired with Sapphire Preferred, Reserve, or Ink Preferred.
The Chase Ink Business Unlimited is a highly recommended for any small business owner or side hustler looking to rack up Chase Ultimate Rewards points without paying an annual fee.
As a no-annual-fee business card, the Ink Business Unlimited delivers outsized value. The sign-up bonus is typically 75,000 points after spending $6,000 in the first 3 months, and we’ve seen it go as high as 90,000 — well worth waiting for. You earn a flat 1.5x on every purchase, making this a great “catch-all” card for ubonused spending. And if you're playing the two-player game, you can earn an additional 20,000 points through referral bonuses. If you're building Chase Ultimate Rewards, this is a straightforward choice addition to your card setup.
The Chase Ink Business Unlimited is ideal for small business owners and freelancers who want simplicity and long-term value. It’s especially powerful when paired with a Chase Sapphire Preferred or Reserve card to access travel transfers.
- Earn 75,000 points after spending $6,000 in the first 3 months (worth $750+ in travel, or much more with transfer partners)
- Get 1.5x points on every purchase, with no caps or categories to track
- Enjoy built-in travel and purchase protections, 5x points on Lyft rides, and the ability to hold multiple cards across businesses
To transfer points to travel partners, you’ll need to combine your rewards with a Chase Sapphire Preferred or Reserve account. Once you do, those points become some of the most valuable in the game.
This card may not be ideal if:
- You're hoping for a higher bonus — sign up bonuses have reached 90,000 points in the past, and may return
- You prefer category multipliers for business spend — Ink Cash offers 5x on office supplies and 2x on gas and dining
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Preferred | mid | $95 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
TPG rates 4/5 and values the 75,000 point welcome bonus at $1,538 via transfer partners. Key insight: benefits identical to Ink Cash but missing cellphone protection and trip insurance.
NerdWallet's editorial team top choice for flat-rate business cash back. Rates the card 5.0/5.0 and highlights the long intro APR period and generous welcome offer.
Forbes Advisor rates 5.0/5.0. Editor shares personal experience using the card and highlights primary auto rental coverage and extended warranty as standout benefits.
TPG comparison of all Chase Ink business cards: Unlimited vs Cash vs Preferred vs Premier. Helps readers choose the right Ink card for their spending patterns.
Motley Fool review focused on the simplicity of the flat 1.5% cash back structure for busy business owners who don't want to track bonus categories.
U.S. News comprehensive review covering the no-annual-fee business card with a generous welcome offer and straightforward cash back structure.
Credit Karma review highlighting how business owners can offset expenses by redeeming cash back as statement credits.
TPG guide covering the solid introductory offer, simple earning structure, and no annual fee as key reasons to get this card for businesses big and small.
Going (formerly Scott's Cheap Flights) review of this no-annual-fee cashback card for small business owners and entrepreneurs looking for flat cash back.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
The Ink Business Unlimited earns a flat 1.5% cash back on every purchase with $0 annual fee. Its $750 welcome bonus is massive for a free card. Points become transferable Ultimate Rewards when paired with Sapphire Preferred, Reserve, or Ink Preferred.
The Chase Ink Business Unlimited is a highly recommended for any small business owner or side hustler looking to rack up Chase Ultimate Rewards points without paying an annual fee.
As a no-annual-fee business card, the Ink Business Unlimited delivers outsized value. The sign-up bonus is typically 75,000 points after spending $6,000 in the first 3 months, and we’ve seen it go as high as 90,000 — well worth waiting for. You earn a flat 1.5x on every purchase, making this a great “catch-all” card for ubonused spending. And if you're playing the two-player game, you can earn an additional 20,000 points through referral bonuses. If you're building Chase Ultimate Rewards, this is a straightforward choice addition to your card setup.
The Chase Ink Business Unlimited is ideal for small business owners and freelancers who want simplicity and long-term value. It’s especially powerful when paired with a Chase Sapphire Preferred or Reserve card to access travel transfers.
- Earn 75,000 points after spending $6,000 in the first 3 months (worth $750+ in travel, or much more with transfer partners)
- Get 1.5x points on every purchase, with no caps or categories to track
- Enjoy built-in travel and purchase protections, 5x points on Lyft rides, and the ability to hold multiple cards across businesses
To transfer points to travel partners, you’ll need to combine your rewards with a Chase Sapphire Preferred or Reserve account. Once you do, those points become some of the most valuable in the game.
This card may not be ideal if:
- You're hoping for a higher bonus — sign up bonuses have reached 90,000 points in the past, and may return
- You prefer category multipliers for business spend — Ink Cash offers 5x on office supplies and 2x on gas and dining
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Preferred | mid | $95 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
TPG rates 4/5 and values the 75,000 point welcome bonus at $1,538 via transfer partners. Key insight: benefits identical to Ink Cash but missing cellphone protection and trip insurance.
NerdWallet's editorial team top choice for flat-rate business cash back. Rates the card 5.0/5.0 and highlights the long intro APR period and generous welcome offer.
Forbes Advisor rates 5.0/5.0. Editor shares personal experience using the card and highlights primary auto rental coverage and extended warranty as standout benefits.
TPG comparison of all Chase Ink business cards: Unlimited vs Cash vs Preferred vs Premier. Helps readers choose the right Ink card for their spending patterns.
Motley Fool review focused on the simplicity of the flat 1.5% cash back structure for busy business owners who don't want to track bonus categories.
U.S. News comprehensive review covering the no-annual-fee business card with a generous welcome offer and straightforward cash back structure.
Credit Karma review highlighting how business owners can offset expenses by redeeming cash back as statement credits.
TPG guide covering the solid introductory offer, simple earning structure, and no annual fee as key reasons to get this card for businesses big and small.
Going (formerly Scott's Cheap Flights) review of this no-annual-fee cashback card for small business owners and entrepreneurs looking for flat cash back.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
The Ink Business Unlimited earns a flat 1.5% cash back on every purchase with $0 annual fee. Its $750 welcome bonus is massive for a free card. Points become transferable Ultimate Rewards when paired with Sapphire Preferred, Reserve, or Ink Preferred.
The Chase Ink Business Unlimited is a highly recommended for any small business owner or side hustler looking to rack up Chase Ultimate Rewards points without paying an annual fee.
As a no-annual-fee business card, the Ink Business Unlimited delivers outsized value. The sign-up bonus is typically 75,000 points after spending $6,000 in the first 3 months, and we’ve seen it go as high as 90,000 — well worth waiting for. You earn a flat 1.5x on every purchase, making this a great “catch-all” card for ubonused spending. And if you're playing the two-player game, you can earn an additional 20,000 points through referral bonuses. If you're building Chase Ultimate Rewards, this is a straightforward choice addition to your card setup.
The Chase Ink Business Unlimited is ideal for small business owners and freelancers who want simplicity and long-term value. It’s especially powerful when paired with a Chase Sapphire Preferred or Reserve card to access travel transfers.
- Earn 75,000 points after spending $6,000 in the first 3 months (worth $750+ in travel, or much more with transfer partners)
- Get 1.5x points on every purchase, with no caps or categories to track
- Enjoy built-in travel and purchase protections, 5x points on Lyft rides, and the ability to hold multiple cards across businesses
To transfer points to travel partners, you’ll need to combine your rewards with a Chase Sapphire Preferred or Reserve account. Once you do, those points become some of the most valuable in the game.
This card may not be ideal if:
- You're hoping for a higher bonus — sign up bonuses have reached 90,000 points in the past, and may return
- You prefer category multipliers for business spend — Ink Cash offers 5x on office supplies and 2x on gas and dining
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Preferred | mid | $95 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
TPG rates 4/5 and values the 75,000 point welcome bonus at $1,538 via transfer partners. Key insight: benefits identical to Ink Cash but missing cellphone protection and trip insurance.
NerdWallet's editorial team top choice for flat-rate business cash back. Rates the card 5.0/5.0 and highlights the long intro APR period and generous welcome offer.
Forbes Advisor rates 5.0/5.0. Editor shares personal experience using the card and highlights primary auto rental coverage and extended warranty as standout benefits.
TPG comparison of all Chase Ink business cards: Unlimited vs Cash vs Preferred vs Premier. Helps readers choose the right Ink card for their spending patterns.
Motley Fool review focused on the simplicity of the flat 1.5% cash back structure for busy business owners who don't want to track bonus categories.
U.S. News comprehensive review covering the no-annual-fee business card with a generous welcome offer and straightforward cash back structure.
Credit Karma review highlighting how business owners can offset expenses by redeeming cash back as statement credits.
TPG guide covering the solid introductory offer, simple earning structure, and no annual fee as key reasons to get this card for businesses big and small.
Going (formerly Scott's Cheap Flights) review of this no-annual-fee cashback card for small business owners and entrepreneurs looking for flat cash back.
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| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
This card pairs perfectly with the Chase Sapphire family and other Ink business cards to help you optimize every dollar you spend.
- Compared to the Ink Business Cash, this card earns 1.5x on all purchases (vs. category-specific multipliers on the Cash)
- Neither the Cash nor Unlimited allows direct point transfers to travel partners — you must combine with a Sapphire Preferred or Reserve
- Both cards avoid the 5/24 rule, making them ideal for building up points without affecting personal card eligibility
If you have multiple businesses or side hustles, you can apply for more than one Ink Unlimited (or Ink Cash). Just space out your applications by 3–6 months and keep some spend on each card to stay in Chase’s good graces. Canceling unused cards after a year is also a good housekeeping move if you’re not using them.
In our two-person household, my wife and I used our various side gigs to open multiple Ink Business Unlimited cards. We referred each other to earn 20,000-point referral bonuses, and we timed our applications during elevated 90,000-point offers. That meant 110,000 points per card, and we repeated the strategy across multiple businesses. For a no-annual-fee card, it’s one of the best plays in the game. The points stacked up fast — and they transferred perfectly to our Sapphire Reserve for 1.5x travel redemptions.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
This card pairs perfectly with the Chase Sapphire family and other Ink business cards to help you optimize every dollar you spend.
- Compared to the Ink Business Cash, this card earns 1.5x on all purchases (vs. category-specific multipliers on the Cash)
- Neither the Cash nor Unlimited allows direct point transfers to travel partners — you must combine with a Sapphire Preferred or Reserve
- Both cards avoid the 5/24 rule, making them ideal for building up points without affecting personal card eligibility
If you have multiple businesses or side hustles, you can apply for more than one Ink Unlimited (or Ink Cash). Just space out your applications by 3–6 months and keep some spend on each card to stay in Chase’s good graces. Canceling unused cards after a year is also a good housekeeping move if you’re not using them.
In our two-person household, my wife and I used our various side gigs to open multiple Ink Business Unlimited cards. We referred each other to earn 20,000-point referral bonuses, and we timed our applications during elevated 90,000-point offers. That meant 110,000 points per card, and we repeated the strategy across multiple businesses. For a no-annual-fee card, it’s one of the best plays in the game. The points stacked up fast — and they transferred perfectly to our Sapphire Reserve for 1.5x travel redemptions.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
This card pairs perfectly with the Chase Sapphire family and other Ink business cards to help you optimize every dollar you spend.
- Compared to the Ink Business Cash, this card earns 1.5x on all purchases (vs. category-specific multipliers on the Cash)
- Neither the Cash nor Unlimited allows direct point transfers to travel partners — you must combine with a Sapphire Preferred or Reserve
- Both cards avoid the 5/24 rule, making them ideal for building up points without affecting personal card eligibility
If you have multiple businesses or side hustles, you can apply for more than one Ink Unlimited (or Ink Cash). Just space out your applications by 3–6 months and keep some spend on each card to stay in Chase’s good graces. Canceling unused cards after a year is also a good housekeeping move if you’re not using them.
In our two-person household, my wife and I used our various side gigs to open multiple Ink Business Unlimited cards. We referred each other to earn 20,000-point referral bonuses, and we timed our applications during elevated 90,000-point offers. That meant 110,000 points per card, and we repeated the strategy across multiple businesses. For a no-annual-fee card, it’s one of the best plays in the game. The points stacked up fast — and they transferred perfectly to our Sapphire Reserve for 1.5x travel redemptions.
