4 Reasons to Get Chase’s No Annual Fee Small Business Card

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Ink Business Unlimited(SM) Credit Card

Chase introduced a no annual fee business card with a great bonus, and fast-earning. That’s a great combination, there are four reasons you should apply for the card.

  1. Initial Bonus. $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. That’s good on its own but think of it as 50,000 points since there’s plenty you can do with that which can be even better than cash.

  2. Earn 50% more points for all your unbonused spend. Instead of earning one point per dollar you earn 1.5 points per dollar (think of it that way rather than “1.5%” back). That’s 50% more points than you’ve earn on spend outside of the travel and dining categories with Chase’s premium personal Ultimate Rewards cards.

  3. Works well with Chase Sapphire Preferred. If you have Chase Sapphire Preferred or one of the other Ultimate Rewards cards with an annual fee, you can transfer points to the that card and from there to airline miles or hotel points. Now you’ve increased your points earning by 50% on all of your non-travel, non-restaurant spend, without giving up the ability to transfer points. (If you’re spending your points directly for air travel rather than transferring them to a frequent flyer program – not my recommendation – you do better transferring to the harder-to-get Sapphire Reserve card.)

    Moving points to a Sapphire Preferred account lets you them transfer them to:

    • Airlines: United, JetBlue, Southwest, British Airways, Virgin Atlantic, Air France KLM, Singapore Airlines, Iberia, Aer Lingus
    • Hotels: Hyatt, Marriott, IHG

  4. No annual fee. It’s remarkable to see a 50,000 point ($500) bonus, and such strong earning, on a card with no annual fee. So you can accelerate your earning without higher recurring expense.

As far as I can tell the only reasons not to apply for the Ink Business Unlimited(SM) Credit Card are,

  • You don’t think you’re eligible for a business card although far more people are eligible, and should get one, than realize it. If you see yourself doing any business at all you want to separate your personal and business spending and the best way to do that is to start with a small business credit card from the outset.

  • You already have a Freedom Unlimited since these cards are similar in their 1.5 points per dollar earn, however that personal card hasn’t ever had a big bonus like this one does.

  • You’re over 5/24. If you’ve had 5 or more new credit card accounts opened in the past 24 months (not including business cards from major issuers like American Express and Citibank that don’t report to your personal credit) then you may not be eligible for approval for this one. Of course if you’re under 5/24 getting this card doesn’t add to your 5/24 total.

Ink Business Unlimited(SM) Credit Card

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. If I already have the old Chase Ink Business Visa, can I get the bonus on this new one, or does Chase consider it a different product?

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