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The Chase Ink Unlimited Card is now offering a whopping signup bonus of 90,000 Chase Ultimate Rewards points for opening the card and spending $6,000 in 3 months. Those points are worth a minimum of $900 cash back, but they can be worth much more as shown below.
Also available is an identical bonus on the Chase Ink Cash Card. You can read more about that card here.
The signup bonus is marketed as $900, but it will actually come in the form of 90,000 transferrable points which are worth $1,350-$1,800 when points are transferred into miles with the help of someone in your household having a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred.
After spending $6,000 anywhere, you will have 99,000 points, potentially worth $1,485-$1,980!
The end date for this offer is unknown.
If you signed up for this card in the past 6 months with a lower bonus, you can send a secure message from the Chase site or app to request a match to 90K points.
Comparison to previous welcome bonus:
This card used to offer a 30K signup bonus, but most recently offered a previous high 75K points for spending $7,500 in 3 months.
The current 90K signup bonus is highest offer ever for this card!
Signup bonus terms:
- You might not be approved for this card if you have received a signup bonus on an Ink Unlimited card for the same business within the past 24 months.
- If you are approved you will get the signup bonus.
- You can get approved and get the signup bonus for this card for multiple businesses.
- You can get approved and get the signup bonus for this card even if you have other Chase Ink cards.
How to apply, Business card and 5/24 info:
This is a business card, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.
If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.
If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.
All Chase cards earning Ultimate Rewards are subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card. You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.
However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.
Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.
While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink cards are business cards, those balances won’t hurt your credit score! That makes the 0% APR on purchases for 12 months on a business card a very strong offer.
The Chase Ink Unlimited Card is marketed as earning 1.5% cashback everywhere, but it actually earns 1.5 Chase Ultimate Rewards points per dollar spent everywhere. As each point can be worth 1.5-2 cents each, that means you’ll actually be earning an effective 2.25-3% back everywhere!
You’ll need to spend $6,000 on this card within 3 months.
You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.
My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.
See this post for more ideas on meeting a credit card spend threshold.
0% intro APR on purchases within 12 months of account opening. After that, 16.24%–22.24% variable APR.
Other card benefits:
- Primary rental car CDW insurance in every country, when the rental is for business purposes.
- Primary rental car CDW insurance in every country outside of the US, when the rental is for personal purposes. Rentals without a business purpose in the US have secondary coverage.
- Extended warranty adds a year of coverage, up to $10,000 per claim.
- Purchase protection for items damaged or stolen within 120 days, up to $10,000 per claim.
- Travel Accident Insurance covers $500,000 per person.
- Lost Luggage Insurance covers $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics)
- Baggage Delay Reimbursement covers $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours.
Increased points value:
You can cash out your points for 1% cash back. I hope that you won’t do that.
If you or someone in your household has an Chase Ink Preferred Card or Sapphire Preferred you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.
If you or someone in your household has a Sapphire Reserve you can get a value of 1.5 cents per point towards paid travel.
The Ink Unlimited card can’t transfer points directly into miles, but Chase allows you to transfer points to cards where they can be transferred into miles or redeemed for a greater value. My aim is to receive a value of 2 cents per point via transfers to miles and that makes the 2 point categories worth 4% back and the 5 point categories worth 10% back.
Pay yourself back
You can currently use Ultimate Rewards points to offset the following charges at a value of 1.1 cents per point:
- Cable and phone services
- Charitable donations to select charities
Pay Yourself Back is now a permanent feature of the Ultimate Rewards program, though categories rotate
A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth even more!
Visa Savings Edge:
All Chase Ink cards are eligible for additional cash back via Visa Savings Edge.
That means you can earn points plus cash back at ParkWhiz, Budget, Chevron, AutoZone, Boost Mobile, MGM hotels, Wyndham hotels, and more.
Airline and hotel points transferability:
If you or someone in your household has a Sapphire Preferred, Sapphire Reserve, or Ink Preferred you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.
Product changes options:
You can call Chase to convert these cards or any of the following cards into another card from this list:
- Chase Ink Cash ($0 annual fee)
- Chase Ink Unlimited ($0 annual fee)
- Chase Ink Preferred ($95 annual fee)
Note that some reps will only allow card conversions after you have had the card for 12 months.
Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.
Read more about this strategy in depth in this post.
This list will be customized for the Ink Preferred.
A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Chase Ink Unlimited Card. The total effective annual fees would be either $95 with Sapphire Preferred or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Sapphire Preferred+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel, 3.1 points per dollar on dining, streaming, and online grocery shopping, and 5.1 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points or use the pay yourself back feature.
A Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.
Having all 3 Chase Ink cards means you can take advantage of bonus points on all purchases that you make while not having any effect on your personal credit.
A Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.
A Chase Quinfecta could add the Ink Preferred to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.
Alternatively, you can create a Chase Quinfecta by adding the Chase United Explorer card, United Club Infinite Card, Chase United Gateway Card, Chase United Quest Card, or Chase United Business Card into the mix. Those cards don’t earn Ultimate Rewards points, but it makes your Ultimate Rewards points more valuable. Having a United card enables you to have access to significantly expanded United saver and standard award space in addition to benefits like 2 free club passes, a free checked bag, a free carry-on bag, and priority boarding, even when you’re on a basic economy fare. See more about those benefits here.
Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!
Airline transfer partners:
You can transfer points at a 1:1 ratio to:
- United (Star Alliance)
- Air Canada Aeroplan (Star Alliance)
- Singapore (Star Alliance)
- Air France/KLM Flying Blue (Skyteam, 25% bonus through 5/15)
- British Airways (OneWorld)
- Aer Lingus (OneWorld)
- Iberia (OneWorld)
- Qatar (OneWorld, transfer via BA)
- Virgin Atlantic
Hotel transfer partners:
You can transfer points at a 1:1 ratio to:
The great thing about Chase Ultimate Rewards is how versatile and valuable they are:
The Ink Preferred and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.
The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.
The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points.
- If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
- If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
- Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
- If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point
- Flying Blue has award flights to Israel for 25K miles for adults or 18,750 miles for kids.
- If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 110K or 120K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
- If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
- And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.
Dan’s Quick Thoughts
This is a shockingly generous offer for a card with no annual fee. Chase has lowered the spending required to earn the bonus and increased the bonus. That’s huge!
Best of all, this is an excellent card for everyday spending. It’s a business card, but most people out there can qualify for a business card.
Chase also has an identical bonus on the Chase Ink Cash Card. That card offers 2 of 5 points per dollar in bonus categories to quickly rack up Chase points. You can decide if you would rather have 2x-5x bonus category earnings or if you would rather have higher 1.5x earnings everywhere. Or best of all, you can try applying for both cards and get the bonuses for each card if you’re approved!
Will you signup for the Chase Ink Unlimited Card?
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128 Comments On "AWESOME! Earn A Record High 90,000 Points On The Excellent No Annual Fee Chase Ink Unlimited Card!"
All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.
How long have to wait after receiving a SUB before applying again for the same card?
Ink cards don’t have a lockout period.
So if I received my last bonus more then 24 months ago, there is no need need to vonvert the unlimited to a cash before applying again for the unlimited, like the case with personal cards sapphire etc.?
Correct, but if you have an Unlimited, just apply for the Cash now to make things smoother.
I have few of both ..
Is there a reason to sign up for this card instead of the Ink Business Cash Card that also earns 5 points per dollar on Amazon?
See the summary paragraph:
applied, got review notice
called recon, approved! thanks!
If I get approved, based on my legitimate sole proprietorship business, do the charges on the card have to be actual business expenses, or is it ok to use it for everyday household charges?
My replacement card came with language stating the card should not be used for personal and that their are different rules governing personal and business… but I have used for personal and has not been an issue
Nobody is checking to see the intent of each purchase…
Credit score of 721, what are my approval odds? And will I get a lower limit because of the score or is 721 good enough?
I have a high balance on one card.
No way to know without just trying for it.
So is 721 not a definite too low score? (just wanna avoid an extra pull)
Does driving for Uber count as your own small business?
I have a (very) small eBay business. What will I need to show JPMC related to my business activities? Also, can I get the card if I have a personal Saphire card (to which I would want to transfer the points). Thanks Dan
If you apply as written in the post, often nothing.
Yes, you can have both.
I applied earlier in the week when it was 75k
Think they’ll give me 90 now?
Yes, SM them.
Me too, does my spend get lowered to 6k or I still need to spend the 7.5k to get the points?
I called them and they said call back after spending 6k and they will honor the promotion. And she put a note on my account.
If I don’t have a business at all, I can’t open this as a sole proprietorship, correct?
If you want to start a business you can get a card now. Even just selling items on eBay can be a business.
I actually have an LLC when I was between jobs and got paid through it, but I haven’t used it in 10 years.
Then you can apply with your SSN and for another card with the LLC EIN 🙂
Thanks @Dan! I have a Sapphire Preferred 80k and United Business 150k bonus (thanks to you highlighting their deals) all opened this year with credit score in mid 600s but Chase banking history, Just saw your post about the Ink Cash, applied and got approved instantly. Should I also apply for the Ink Unlimited (same day so same hard pull) or wait some time before applying considering just got approved for the Ink Cash today? Also need to consider meeting both spend thresholds for sign up bonuses…
Definitely apply today and see if you can get that as well.
Got denied online for the unlimited after approved for the cash. Called recon line and they said due to number of chase cards and some other delinquencies (interesting that I got approved with 9k limit on the cash card an hour before applying for the unlimited) so I left it happily at that. Thanks again for all you do in this game!
My pleasure, congrats on getting the one!
how many credit pulls ? did you 2 the 2 BM method?
If I understood your TWO most recent articles correctly… the difference between Chase Ink Unlimited Card and Chase Ink Cash Card is that…
The Chase Ink Unlimited is 1.5% on every purchase
The Chase Ink Cash is 5% and 2% cashback on specific categories
Seems like the CIC would be a good fit to pay for expenses and perhaps the CIU for more everyday purchases like material goods.
If you were to pick one for a business which would you take?
I would go for both 🙂
Denied, called recon . Said will review . Here’s open it works out
See you write about matching the 90k. Are they also matching the spend requirement to only spend $6k and not $7.5k?
Can’t hurt to ask!
I have a “hobby” or a small out-of-the-house business, but they said the application is pending and asking for “Proof of legal name for business”…any idea how I provide them with something that they’s be ok with?
Did you do this?
no, missed that one point of putting the card under my name (did the Sole Proprietorship w/my SSN)…anything to do about this now?
Don’t think so. Probably just apply again today so you don’t get another pull.
ok, but won’t that look even more suspicious (and hence a denial) with 2 applications the same day?
You can call Chase reconsideration to cancel the first app.
“Thanks for your request. Unfortunately, we couldn’t approve your application”
I’d just apply again with the correct info.
I did, that was their response to my 2nd application
Call reconsideration at 800-453-9719.
They probably need to delete the first app before you can apply again.
I would like to apply for this card(using your link of course) but don’t really have a business- 1- What should I put for authorizing officer title? 2- The tax id type should be SSN? In both sections of the application? 3- Do I need to enter annual business revenue? 4- What should the business type be?
Please excuse my ignorance, I’m fairly new to this and have never applied for a business card. Thank you very much!
Would anyone please be able to help out?
Just got approved! Thank you Dan. Hope you get your commission.
Congrats and thank you!
Got approved instantly!
Usually I needed to call and have them review and explain to the rep that some of the credit cards on my report are additional….
Waiting for that SMOKING HOT! deal on airline tickets 🙂
are there foreign transaction fees on both cards?
Spending 6k on the Ink Unlimited and receiving $990/99k points is 16.5% cash back/points on 6k spend.
For the Ink Cash it’s spending 6k and receiving $900-1200 /90k-120k points is 16-20% cash back/points on 6k spend.
Amazing for a no AF card.
Yup, phenomenal deal!
If you transfer point from chase to southwest does that count towards companion pass?
Any similar deal brewing for a card with no foreign transaction fee, for us abroad?
Thank you! I have just been approved.
My husband applied and got an email that said they are reviewing and will let him know by mail within 30 days. Should he call the reconsideration line at this point or wait for the letter?
Either way works.
since when does chase do 2 hard pulls for application? they’re almost as bad as capital one. is why i love amex – they dont do any.
Varies by state. You can try freezing some reports…
Got this: “We’ll let you know our decision in writing as soon as we can, and if you’re approved, you’ll receive your card in 7 to 10 business days.”
Anything I can do to help it get approved?
Call reconsideration at 800-453-9719.
How do I add this new card to my business account online?
Is this a cash back card or points?
It’s saying Earn $900 Bonus Cash Back.
Read the first paragraph of this post?
Ye I did.
90,000 Chase Ultimate Rewards points for opening the card and spending $6,000 in 3 months. Those points are worth a minimum of $900 cash back
When applying for the card it’s saying: LIMITED TIME OFFER: Earn $900 bonus cash after you spend $6,000 on purchases in the first 3 months from account opening
“The signup bonus is marketed as $900, but it will actually come in the form of 90,000 transferrable points”
Thanks for the explanation!
If I have this card from 4 years ago, can I apply for another one?
Will i get the 90K points for the second one?
You can also get an Ink Cash card. https://www.dansdeals.com/credit-cards/incredible-earn-whopping-90000-fantastic-no-annual-fee-chase-ink-cash-card-earn-5-points-per-dollar-amazon-hundreds-stores/
I plan to get a loan/0% APR etc. If i’ll apply for this card How long will my scores be affected?
I wouldn’t expect any effect on rates.
can this card be product change to the other ink card with bonus categories?
I applied and Chase sent me an email saying they are thinking about it. Can I and should I call them to try to expedite a positive answer.
Hubby is pre-approved for a Chase business credit card but does not have a business. How to proceed to get approved?
I have a chase ink business preferred, my annual fee of $95 just posted, I was going to downgrade to a no fee ink card. Is there a way for me to downgrade to the unlimited above and obtain the sign up bonus if I spend the $6000 in the next 3 months?
No. Apply for a new card or 2 and then downgrade to the same card.
Upon approval of the the unlimited, can I apply the line of credit to the new card and close the preferred if on same SSN as the EIN?
hey Dan I see you write all the time that chase business cards do not get added to your credit report and therefore not included in the 5/24 rule so I just applied for the 2 chase ink cards at once and got mess. that will receive answer in 7 to 10 days so I called the reconsideration number and they told me I reached my 5/42 limit and they went through all the cards with me over the phone but 2 out of the 5 cards are business cards one from chase and one from amex?
Is chase still enforcing the 1/30 rule for business cards?
I applied as a sole proprietor using my EIN number and my own name because I don’t have separate business name. They asked for documents stating my EIN number. I sent my IRS letter as well of few others. I got declined. Letter stated they suspect fraud and that someone else applied. When I called for reconsiderations they said the document wasn’t clear so I should resend perfect one. I did. Just got a letter declined. Same letter. Any thoughts? Idea’s?
Walk in to a Chase branch
Can I get a sign up bonus if I currently have the card (previous SUB more than 24 months ago)?
What is the likelihood of getting approved for a 2nd card for a different business if they’re both a Sole Proprietorship? If that’s possible, can I just write my name for both the business name & the name on card, just like the other 1 (& just change the business category)?
Does it have a currency exchange fee if I use it outside of the US?
If I upgrade/downgrade from the cash card will I get another sign up bonus? If not how long do I have to wait!?
Yes, but there’s no need. You can have multiple.
Had ink and downgraded
How can i know which ink I had ?
And date received sign up bonus ?
Need 24 month apart?
Any card is 36 months? Csr?
There’s no time limit for Ink.
Does this mean if I just applied when you first announced it few weeks ago and did the spend , I can apply for the same one again do the bonus again?
Sure, can also apply for the other Ink Cash/Ink Unlimited.
I’m a little confused. I applied for this card and the Cash Ink Unlimited right when you posted that it’s a 90k point bonus. As a sole Proprietorship. Now, I happen to have completed the spend already (points didn’t even post yet as it was just few weeks ago), so I can apply again for this same exact card under the same name and all?? That sounds too good to be true
No, has to be under different business to get approved for that same card. If you’re applying as SP you can get one of each.
That’s not true. I have several Ink Cash cards for the same business.
Dan – read my post? 🙂 . He’s saying he applied as sole proprietor… you have a “business”.
I don’t see why you can’t get approved with the same reasoning, that you want a different card to keep track of different expense categories.
Can I sign up for this card even though I do not have a Business and I would like to just use it as my regular card ?? ( If yes how would I ? ) I am 19 and have a decent credit score.
Approved! Thanks Dan!
I got the notice that they’ll give me an answer in 3-5 business days, but it took 30 seconds to get the approval email, Baruch HaShem!
Thanks for all your great work!!
Im applying as a sole properthip using my SSN number..
when it asks when company established date
or Annual business revenue?
what should I write?
I have a business. I usually use my SS# for the business but I do have an EIN associated with the business. I am a sole prop. I am over 5/24. I have never applied for a CC using the EIN. Should I try to use it for this application?
Can try either way.
wont I definitely be rejected if I use my SS# ? [a little over 5/24]
hey, i saw what you wrote about this card not showing on my credit score, does that mean it wont show as an additional line of credit? i have a handful of cards, and don’t want too many lines of credit
Dan, if I was rejected bec of low personal credit score is there any way around it if i need for legit business?
i have a reserve. if my wife opens this card how do u transfer points to my reserve
Applied, followed your instructions for sole proprietorship, “in review” with a promised response within 1-4 weeks. Called reconsideration, closed; will try again tomorrow. Fingers crossed!
Called this morning and was immediately approved! Thanks, Dan!