Chase Ink Business Unlimited Points Calculator

Credit Card Rewards Calculator
Calculate how many Chase Ink Business Unlimited Points you can earn based on the monthly or yearly spending amounts you enter and compare to top cards.
Last Updated 2022-04-11

The Chase Ink Business Unlimited® Credit Card is a 1.5% cash back business credit card. The rewards earned with the card are uncapped and can easily be used to help offset business expenses.

The card works best when paired with other Chase credit cards to ensure that you never earn less than a 1.5% return on your business spending. You can also pair the Chase Ink Business Unlimited Card with Ultimate Rewards credit cards such as the Chase Ink Business Preferred® Credit Card to redeem your rewards for higher value toward travel.

Card Details At-A-Glance

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1.5% Earning Rate

The Chase Ink Business Unlimited Visa Card does not feature any bonus categories. It earns cash back at a flat rate of 1.5% across all purchases ran through the card.

As part of the Chase-Lyft Partnership, the Chase Ink Business Unlimited Card also earns 5% cash back on Lyft purchases until March 2025.

Card Benefits

Ink Points Value

Redemption Option Average Value (in cents)
Booking travel through Chase Ultimate Rewards 1
Redeeming points for cash back 1
Redeeming points for gift cards 1
Using points for Amazon.com purchases 0.8

Chase Ink Business Unlimited Points are worth 1 cent each when redeemed for cash back, statement credits, gift cards, and travel.

You can obtain higher value by transferring your Chase Ink Business Unlimited Points to an Ultimate Rewards credit card that offers the ability to transfer points to Chase's travel partners or redeem them for travel through Chase Ultimate Rewards.

Here are the values you can obtain with each Ultimate Rewards credit card compared to the Chase Ink Business Unlimited:

Chase Point Value - Travel
Card Point Value
Chase Ink Business Unlimited 1 Cent
Chase Sapphire Preferred 1.25+ Cents
Chase Ink Business Preferred 1.25+ Cents
Chase Sapphire Reserve 1.5+ Cents

The best way to maximize the value of the Chase Ink Business Unlimited Card is by pairing it with an Ultimate Rewards credit card that offers increased value towards travel and other purchases (such as Pay Yourself Back).

For example, you could pair it with the Chase Ink Business Preferred which allows you to redeem points for 1.25 cents each towards travel through Chase Ultimate Rewards or transfer points to Chase's travel partners which can give your points even higher value. This makes the 1.5 points you earn per $1 spent with this card worth significantly more.

Chase 5/24 Rule

If you've opened up more than 5 new accounts in the last 24 months, it may be hard to get approved for the Chase Ink Business Unlimited and other Chase credit cards. This includes any kind of new account and not just new credit card accounts.

If you're unsure of how many accounts you've opened up in the last 24 months, you can use Credit Karma to check for free without hurting you credit score.

Point Calculator

Use the Chase Ink Business Unlimited Points Calculator to determine how many points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the Chase Ink Business Unlimited Card alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need ot re-enter spend when jumping to other credit card pages on the site.

NOTE: This calculator shows transfers to partners. Do note that you can not transfer points directly from the Chase Ink Business Unlimited Card to Chase's travel partners. You must first transfer your points to an Ultimate Rewards credit card that is capable of transferring points such as the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.

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