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Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 75,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 18.49% to 24.49% variable).

Bonus Value

Approximately $750 - $1125

Annual Fee

$0

Card Rewards

5 points on Lyft rides

Unlimited 1.5 points on all other purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: January 21, 2024 | Credit Card Review
Card Overview

The card_name is a great no-annual fee card for businesses to use for general spending. You will earn 1.5 points on all purchases. It's also one of the only business credit cards that come along with an intro 0% APR offer which is great to get your business cash flowing easily. For a zero annual fee, you will get a great welcome bonus, great rewards, and great travel protection like primary worldwide auto rental collision insurance and lost or delayed luggage insurance. See more details about the benefits below.

Why I Like This Card

The card_name is a great card for you if you want an awesome business card for no annual fee. With this card will earn 1.5 points on all purchases. So if the bulk of your expenses are in no specific category, then this no-annual-fee card is perfect for you because you will earn 1.5 points on all your purchases. If you also want the ability to transfer your points to Chase airlines and hotel partners, this card pairs well with the card_name. Like this, you can earn higher rewards on this card but still have the ability to transfer to Chase airline and hotel partners.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Not reported on personal credit reports: Chase Bank will not report business credit cards on personal credit reports
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. 
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 800 453 9719
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You can request Chase to overnight your physical card by calling Chase customer service.

Approval Monitor (submitted by HelpMeBuildCredit users)

88% Approved
758 Avg. Score of those approved
12% Denied
Approved 88% (243)
Denied 12% (32)

Credit limit range $762-$100,000

Avg. Credit limit$16,815

Approved 88% (243)
Denied 12% (32)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Penalty APR 29.99%
Welcome Offer Eligibility
Chase may not approve you if you already received a welcome bonus on the Chase Ink Unlimited card within the past 24 months on the same business (but if you are approved you will get the bonus). You can get approved and receive the welcome bonus even if you already received a welcome bonus on other Chase Ink products (Chase Ink Preferred, Ink Premier, or Chase Ink Cash) even within 24 months. Or if you apply for another business even for the same card and same owner even within 24 months.
Card Details And Benefits
Auto Rental Collision Insurance

Worldwide primary coverage on rentals for business purposes, secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.

Extended Warranty Protection

Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Luggage delay insurance

If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.

Purchase Protection

Get refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.

Roadside Assitance

Chase will dispatch you assistance for free, but you will need to pay the service fee.

Travel Accident Insurance

Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.

How can the points be used?
Cashback

The points can be redeemed as cashback for 1 penny per point.

Chase Travel

If you only have the Ink Business Unlimited® Credit Card then you can get 1 penny per point for Chase Travel.

If you also have the Chase Sapphire Preferred Card or the Ink Preferred Card then you can transfer your points from your Ink Business Unlimited® Credit Card to one of these cards to redeem 1.25 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.

If you also have the Chase Sapphire Reserve then you can transfer your points from your Ink Business Unlimited® Credit Card to the Reserve to redeem 1.5 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.

Transfer to airline and hotel programs

 If you only have the Ink Business Unlimited® Credit Card then you cannot transfer your points to any partners.

But if you also have the Chase Sapphire Preferred Card, the Chase Sapphire Reserve Card, or the Ink Preferred, then you can transfer your points to one of these cards and then transfer your points to any of the following Chase Travel Partners.

Airline partners:

Transfer Ratio Transfer Time
Aer Lingus, AerClub 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
British Airways, Avios 1:1 Instant
Emirates, SkyRewards 1:1 Instant
Air France/KLM, Flying Blue 1:1 Instant
Iberia, Iberia Plus 1:1 Instant
JetBlue, TrueBlue 1:1 Instant
Singapore Airlines, KrisFlyer 1:1 12-24 hours
Southwest, Rapid Rewards 1:1 Instant
United Airlines, MilagePlus 1:1 Instant
Virgin Atlantic, FlyingClub 1:1 Instant

Hotel partners:

Ratio Transfer Time
Hyatt, World Of Hyatt 1:1 Instant
IHG, Rewards Club 1:1 1 day
Marriott, Bonvoy 1:1 2 days
Pay Yourself Back

You can also Pay Yourself Back by paying for purchases on your card and offsetting the purchases with points. You can get 1.25 cents per point.

This can only be done on purchases within certain categories, and Chase constantly changes the eligible categories. The current category until 12/31/24 is:

  • Select charities

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers). Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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