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This post may contain affiliate links. Advertiser Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The Chase Ink Business Unlimited® Credit Card is a business card from Chase that I often recommend. The main features of the card include the following:
- 1.5 points per dollar on every purchase
- $0 annual fee
- 0% APR for the first 12 months.
As a business card, the Chase Ink Business Unlimited® is one of the first cards I recommend, and indeed, it often acts as a default card for me. This is because it’s generally easy to qualify for and doesn’t require much thinking since it earns the same amount on every purchase.
One important thing to note is that while the Chase Ink Business Unlimited® bills itself as a cash back card, you actually earn Chase Ultimate Rewards points. This makes it very valuable since you can transfer your Chase Ultimate Rewards points to transfer partners so long as you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred cards.
In this post, I’m going to go over the features of the Chase Ink Business Unlimited® and discuss why this is a card I highly recommend and one I regularly default to when I’m looking to pay for something.
Chase Ink Business Unlimited® Review
The Chase Ink Business Unlimited® is a business credit card from Chase that comes with a lot of benefits. At the outset, it’s a simple card to use, offering 1.5 points per dollar on every purchase you make with the card. That’s helpful since it means you don’t have to keep track of different categories. As a general spend card, the Chase Ink Business Unlimited® is a good one to keep in your wallet. For me, this is usually the card I use when I don’t have any obviously better card to use.
(Remember that the Chase Ink Business Unlimited® earns Chase Ultimate Rewards points. If you have at least a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred card, you’ll be able to transfer your points to travel partners, which can help maximize your points values)
The other nice benefit of the Chase Ink Business Unlimited® is that it has no annual fee. A good card like this with no annual fee is nice, not just because the card is good and usually offers a good welcome bonus, but because it means you have one less thing you have to keep track of. Since the card has no annual fee, it’s okay to simply keep it around, even if you aren’t necessarily using it.
Finally, the Chase Ink Business Unlimited® has the benefit of being a business credit card, which means it doesn’t count toward your Chase 5/24 status. For some people, your Chase 5/24 status might not matter much. But if you’re like me and collect a lot of points and miles, paying attention to your Chase 5/24 status matters a lot (for more information about what the Chase 5/24 rule is all about, check out this post:Chase 5/24 Rule – Maximize Your Travel Hacking.
How To Apply For The Chase Ink Business Unlimited®
To apply for the Chase Ink Business Unlimited®, go to the signup page for the card. Here is the current welcome offer for the Chase Ink Business Unlimited®:
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A good business card that offers 1.5% back on all purchases.
View Current Offer
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Most people who don’t understand how business cards work will hesitate to apply for the Chase Ink Business Unlimited® because it’s a business card. That means to be eligible for the card, you need to have a business. The thing most people don’t realize is that any money you earn outside of a W-2 job qualifies you as a business.
That means if you have any side hustle, even a simple one, you are eligible for a business credit card like the Chase Ink Business Unlimited®. So if you deliver for DoorDash or Uber Eats, or drive for Uber or Lyft, or walk dogs with apps like Rover or Wag, or sell things on eBay, or pretty much anything, you are a business and are eligible for a business credit card.
The key is to fill in the correct information when you apply for the card. In the application, you’ll have two parts to fill out – the first part deals with your personal information (things like your name, SSN, income, and all the normal stuff you’d provide when applying for any credit card).
The second part of the application will be about your business. These are the important things to know when filling out this section:
- Unless you have an actual separate entity for your business, you’ll most likely be applying as a sole proprietor.
- For the business name, use your own full name if you’re applying as a sole proprietor. Do not make up a business name unless you actually have an entity with that name.
- For the Tax ID number, you can use your Social Security Number. That’s generally the easiest thing to do, although if you want, you can also get an EIN from the IRS for free (https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online).
- For the business start date, put the date you started your business. It’s generally not too big of a deal what date you put.
- For the annual business revenue, you can put in any amount you want. While there is no minimum revenue to qualify for the card, I find it’s usually best to have business revenue of at least $1,000. Note that your business revenue can be based on projected or estimated revenue, so if you have a new business, you can be optimistic and put $1,000 or more.
If you’re lucky, you’ll receive instant approval (which is awesome when that happens). However, most of the time, you’ll receive a message saying that your application is being reviewed. You can usually wait and after a few days, your application will get automatically approved without you needing to do anything. In some circ*mstances, you may have to provide additional information, but I’ve never had to do that in all the years I’ve been opening Chase business credit cards.
The Best Ways To Earn Points On The Chase Ink Business Unlimited®
There are three main ways to earn points with the Chase Ink Business Unlimited®. These include the following:
1.Signup Bonus
The best way to earn points from the Chase Ink Business Unlimited® is to sign up for the card and earn the signup bonus after meeting a certain spend requirement. Below is the current welcome offer for the Chase Ink Business Unlimited®:
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A good business card that offers 1.5% back on all purchases.
View Current Offer
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2. Earn Points For Everyday Spend
The second obvious way to earn points is via regular spending on your card. You’ll earn 1.5 points per dollar on all purchases with the Chase Ink Business Unlimited®. These are Chase Ultimate Rewards Points, so if you have a card like the Chase Sapphire Reserve, you can transfer your points to the Chase Sapphire Reserve, then use them in the travel portal at 1.5 cents per point.
3. Refer Friends And Family To The Chase Ink Business Unlimited®
The final way you can earn points with the Chase Ink Business Unlimited® is by referring friends and family members to the card. There isn’t always a referral bonus, but if there is, always make sure your friends and family use your link if they’re going to be getting the card anyway.
To see if there is a referral bonus, check out the Chase Refer-A-Friend page.
Final Thoughts
The Chase Ink Business Unlimited® is one of the best business credit cards because of the good welcome offer, no annual fee, and ease of use. For many people, this is a card you’ll keep in your wallet forever (with no annual fee and 1.5 points per dollar, there’s not really much downside to keeping the card open if you need it).
The only challenge to getting this card is that you need to have a business to qualify for the card. However, almost everyone reading this has a business, even if you don’t realize it. If you earn any money outside of a W-2 job, you will be eligible for this card.
And if somehow you literally earn no money outside of a W-2 job, then consider signing up for a gig economy app or doing anything to earn extra income. Just being able to get access to business credit cards like the Chase Ink Business Unlimited® will make it worthwhile.
This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
More Recommended Ebike/Scooters
Check out these other ebikes and scooters I've reviewed:
- Urban Arrow Ebike – Last year, I made one of the largest purchases I’ve ever made – I bought a $9,000 electric cargo bike from Urban Arrow. In my Urban Arrow review, I will discuss what it is and why I decided to buy this bike, as well as discuss how impactful a bike like this can be on your journey to financial independence.
- Troxus Explorer Step-Thru Ebike – The Troxus Explorer Step-Thru is a fat-tire ebike that I’ve had the pleasure of riding for a while now. It has amazing power, great looks, and awesome range. If you’re looking for a great fat-tire ebike that offers a lot for the price, the Troxus Explorer Step-Thru is definitely one for you to consider. Check out my Troxus Explorer Step-Thru Review.
- Hovsco HovBeta Ebike – The HovBeta is a folding ebike with great specs and a lot of interesting features, and importantly, it’s sold at a good price point. I’ve had a blast commuting with it and using it to do deliveries with DoorDash, Uber Eats, and Grubhub. Check out my Hovsco HovBeta Ebike Review.
- Vanpowers Manidae Ebike – The Vanpowers Manidae is a fat tire ebike that I’ve been riding as my primary winter commuting bike and have also been using it to do food delivery with apps like DoorDash, Uber Eats, and Grubhub. After clocking in a decent number of miles with this ebike, I wanted to write a post sharing what my experience with the Vanpowers Manidae ebike has been like. Check out my Vanpowers Manidae Review.
- Sohamo S3 Step-Thru Folding EBike Review – A Great Value Folding Ebike – The Sohamo S3 Step-Thru Folding Ebike is an entry-level folding ebike that offers a lot of value for the price point. I’ve been riding the Sohamo S3 for a while now, putting the bike through its paces, and I have to say, this bike has exceeded all of my expectations. Check out my Sohamo Review.
- KBO Flip Ebike – The KBO Flip is an excellent bike. I’ve had a great time riding it and think it’s a versatile bike that can be used for a lot of purposes and can fit a variety of lifestyles. It’s worked out great for me as a general commuter bike and as a food delivery bike. Check out my KBO Flip Review.
- Hiboy P7 Commuter Ebike – The Hiboy P7 is an excellent electric commuter bike that’s offered at an affordable price point. The range and speed of this bike are both very good, so you won’t have any trouble getting anywhere you need to go with it. As a food delivery vehicle, this is also good – with how much range it offers, you’ll be able to work all day on a single charge. Check out my Hiboy P7 Commuter Electric Bike Review.
- Himiway Escape Ebike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
- Espin Sport Ebike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
- Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
- Varla Falcon Scooter – The Varla Falcon is an excellent scooter that offers a good amount of power at a lower price point compared to more powerful scooters. It’s not exactly an entry-level scooter, nor is it a high-powered scooter. I think it fits somewhere in-between those two categories – an intermediate scooter if I had to give it a category. Check out my Varla Falcon Review.
- Hiboy S2 Scooter – The Hiboy S2 is an excellent entry-level commuter scooter that's perfect for someone looking to save some money in transportation costs and improve their commute. Check out my Hiboy S2 Review.
- Hiboy S2R Scooter – The Hiboy S2R is one of the more interesting electric scooters I’ve been able to test out. It’s not a high-powered scooter, but for an everyday transport option, it’s very useful, especially given some of the unique features that it has. Indeed, for the price, the Hiboy S2R might be the best value scooter I’ve used. Check out my Hiboy S2R Review.
- Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.
More Recommended Investing App Bonuses
For additional investing app bonuses, be sure to check out the ones below:
- M1 Finance ($100) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
- SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with just $10 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
- Webull (20 free stock shares) – Webull's current promotion gives you 20 free shares valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free shares using Webull.
- Moomoo (15 free stocks) – Moomoo is a free investing app currently offering 2 different referral bonuses if you open an account using a referral link. Read my Moomoo referral bonus guide for more information.
- Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
- Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.
More Recommended Bank Account Bonuses
If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.
- SoFi Money ($325) – SoFi Money is a free checking account from SoFi. They’re currently offering a $25 referral bonus if you open a SoFi account with a referral link and deposit $10. You can also make an additional $300 as well if you complete a direct deposit. This is a good bank that is also 100% free, so you won’t have to worry about managing this account. Here’s a post I wrote with instructions on how to earn your SoFi Money bonus: SoFi Money Referral Bonus: Step By Step Guide.
- Upgrade ($300) – Upgrade is a free checking account that’s currently offering a $300 referral bonus if you open an account and complete a direct deposit. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Here’s a post I wrote with more details: Upgrade $300 Referral Bonus – Step By Step Directions.
- Fairwinds Credit Union ($175) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
- Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
- US Bank Business ($800) – This is a fairly easy bank bonus to earn, since there are no direct deposit requirements. In addition, you can open the Silver Business Checking account, which comes with no monthly fees. Check out how to earn this big bonus here.
- Fifth Third Bank ($200) – This offer is limited to customers in the following states:Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, West Virginia, and South Carolina. If you don’t live in one of those states, you won’t be able to open an account onlinebut you can still open an account in-branch if you happen to be visiting a city that has a branch. This is a fairly easy bank bonus to earn, especially since there are plenty of data points showing what will trigger the direct deposit requirement. In addition, you can open the Fifth Third Momentum Checking bank account, which comes with no monthly fees or minimum balance requirements.Read my guide on this bonus here.
- GO2Bank ($50) - GO2Bank is an easy bank bonus that I recommend people take advantage of if they have an easy way of meeting the direct deposit requirement. I like that it’s easy to open the account and that the bonus pays out quickly. Check out my step-by-step guide on how to earn your GO2Bank $50 referral bonus.
- Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link. Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
- Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
- Varo ($25) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $25 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.
Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.
Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.
Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:
- SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
- 5% Savings Accounts. I'm currently getting 5.24% interest on my savings through a company called Raisin. Opening a Raisin account takes minutes to complete, it's free, and all of your funds are FDIC-insured. I explain how it works, why I'm now using it to store my emergency fund and any other cash savings I have, and why I recommend everyone check it out in this review.
- US Bank Business. US Bank is currently offering new business customers a $800 signup bonus after opening a new account and meeting certain requirements.
- M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account.
- Empower. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.
Feel free to send Kevin a message here.
