Best ways to use Chase Ink Business Unlimited points
The Chase Ink Business Unlimited earns Chase Ultimate Rewards points. Here's how to use them well — transfer partners, sweet spots, and when it's worth holding the card.
Card snapshot
Issuer
Chase
Program
Chase Ultimate Rewards
Annual fee
$0
Earning rates
- 1.5× on every purchase
- No category caps
Top benefits
- No annual fee
- Earns fully transferable Ultimate Rewards when paired with a premium UR card (Sapphire Preferred, Reserve, or Ink Preferred)
- Cell phone protection
- 0% intro APR on purchases (typical)
Best ways to use the points
- Catch-all earning card — 1.5× becomes 2.5% toward premium cabin awards when transferred
- Ideal "third UR card" to max out earning alongside Sapphire and Ink Preferred
Transfer partners
Chase Ink Business Unlimited points transfer to:
Drawbacks
- Requires a premium UR card to unlock transfer partners
- Requires a business entity to qualify
Our verdict
No-annual-fee catch-all. 1.5× flat earn is the strongest no-AF rate among cards that earn fully transferable points. Must be paired with a premium UR card for the transfer partner access — alone, it's just 1.5% cash back.
Find award availability before you transfer
Points transfers are almost always non-reversible. Use AwardLocker to confirm saver space first, then move your Chase Ultimate Rewards points only when you're ready to book.
Check availability →