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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.
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.
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.
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:
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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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Add a credit card to compare side by side based on spend, benefits and fees.
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Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Category Spending
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
This is the total of all points, miles, and cash back earned between Loyalty/Memberships, Category Spending, and Reward Bonuses.
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
