A massive new rewards credit card offer is now available without visiting an actual bank branch — and it’s pretty substantial for a no-annual-fee card.
$900 Cash Back / 90,000 Bonus Points
The Ink Business Unlimited® Credit Card offers new cardholders $900 bonus cash back (awarded as 90,000 bonus Ultimate Rewards® points) when you spend $6,000 on eligible purchases within three (3) months of being approved for the card.
There is no annual fee for the Ink Unlimited.
Until recently, this offer was available only to people who went to the trouble of trekking to a Chase bank branch and applying for the card in person with a banker or finding a referral offer somewhere online.
But you can visit this page to learn how to apply from wherever (your office, home, bed, car, a beach…).
The Ink Unlimited earns 5% total cash back (5X points) on Lyft rides through March 2025. All other purchases earn 1.5% / 1.5X. (That’s probably where the majority of your spending will occur unless you have some substantial Lyft usage coming up in the next three months. 🙂 )
Let’s say you spend all of your $6,000 in the 1.5X “all other purchases” category. That’ll earn you 9,000 points, which you can convert to $90 or use for travel. (Redeeming for travel is almost always a better return.)
Add that to your 90,000 bonus points, and voila, you have 99,000 points. That’s worth $990 cash back.
Is the Ink Business Unlimited® Credit Card Worth It?
The Ink Unlimited is a great option for non-bonused spending. You can team it up with your Ink Business Cash® Credit Card, another no-annual-fee card. The Ink Cash Card offers great bonus categories (you need that card if you have a cell phone!) So, your Ink Unlimited can fill some gaps not covered by the Ink Cash Card.
I use the The Blue Business® Plus Credit Card from American Express for most business purchases. It offers 2X Membership Rewards® points for all eligible purchases on up to $50,000 each calendar year (then 1X. Terms apply.) Plus, it has a $0 annual fee (Rates & Fees.)
However, Ultimate Rewards points are more flexible if you’re concerned about cash back. They redeem at a rate of one point = one cent. Membership Rewards points are worth only .6 cents per point if you choose the cash-back route.
And, let me tell you, when things got scary during the COVID pandemic and recent Hollywood strikes, cashback came in mighty handy on my personal Chase cards, such as the Chase Sapphire Reserve® and Chase Freedom Flex®. (All information related to the Chase Freedom Flex® was collected independently by Eye of the Flyer and was neither provided nor reviewed by the card issuer.)
Considering the Ink Unlimited has no annual fee and an amazing welcome offer, this could be a fantastic opportunity to jump on it now.
5/24
The Ink Unlimited Card is a Chase product, which means its subject to the “5/24” principle. Chase will likely decline your application if you’ve been approved for five or more personal credit cards within the past 24 months. But there are growing reports that Chase is calming down about that (at least, when it comes to business cards).
Final Approach
The no-annual-fee Ink Unlimited Card offers new cardholders a $900 bonus cash back (awarded as 90,000 bonus Ultimate Rewards® points) when you spend $6,000 on eligible purchases within three (3) months of being approved for the card.
The lucrative offer recently popped up and was available only to people who applied in Chase bank branches. But you can apply now online. Just visit this page to learn more.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit this link.
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