Card overview
This is a business card that offers 1.5 points on all purchases, 0% APR for 12 months on purchases, plenty of insurances such as auto rental insurance, travel accident insurance, purchase protection, and more. All of that packed into a no annual fee business card is a great deal.
Credit
You will need good credit for this card.
Reconsideration
If you apply for the card and get declined, you can call the reconsideration department to be reconsidered at 1-888-609-7805
Annual fee
$0
Card rewards
Earn 5 points on Lyft rides
Earn unlimited 1.5 points on all other purchases
Card benefits
Auto Rental Collision Insurance
Get primary coverage on car rentals that you rent for business purposes.
Get secondary coverage on car rentals that you rent for personal purposes.
You will get coverage for cars rented for up to 31 days. You must pay for the rental with your Ink Unlimited card in order to be eligible for coverage.
Baggage Delay Insurance
Get covered for essential items such as toiletries, clothing, and chargers for electronic devices, if your baggage is delayed for more than 6 hours.
Get up to $100 per day after the first 6 hours, and for each additional 24 hours that your baggage is delayed, for a maximum of 3 days.
You must pay for at least part of the trip with your Ink Unlimited card in order to be eligible for coverage. The cardholder, the cardholders immediate family members, and the employees of the business company the Ink Unlimited card is under, will be covered.
Extended Warranty Protection
Get up to a year of extended warranty on purchases you make. The original manufacturer’s warranty time on the purchase will be matched, up to a year, and max $10,000 per claim and $50,000 per account.
You will only get coverage if the original warranty is for 3 years or less.
You must pay for at least part of the purchase with your Ink Unlimited card in order to be eligible for coverage.
Lost Luggage Reimbursement
Get reimbursed for carry-on and checked-in luggage that is lost, stolen, or damaged during a trip.
Get a max of $3,000 per person per trip.
You must pay for at least part of the trip with your Ink Unlimited card in order to be eligible for coverage. The cardholder, the cardholders immediate family members, and the employees of the business company the Ink Unlimited card is under, will be covered.
Purchase Protection
Get reimbursed for replacements and repairs, or just reimbursed for new purchases that are stolen or damaged within 120 days from the date of purchase.
Get a max of $10,000 per claim and $50,000 per year.
You must pay for at least part of the purchase with your Ink Unlimited card in order to be eligible for coverage.
Roadside Assistance
Get help from a roadside assistance program when you call them. Services include standard towing for up to 5 miles, tire changing, jump start, lockout service, fuel delivery up to 5 gallons, and standard winching.
Each service has a fee.
You do not need to pre-enroll in order to be eligible for coverage.
Travel Accident Insurance
Get coverage for the loss of a limb, sight, speech, hearing, fingers, and loss of life if it occurs on a common carrier. Common carriers are motorized land, water, and air transportation vehicles that are operated by an organization to transport passengers for pay.
Get up to $500,000.
You must pay for at least part of the trip with your Ink Unlimited card in order to be eligible for coverage. The cardholder, the cardholders immediate family members, and the employees of the business company the Ink Unlimited card is under, will be covered.
Credits
There are no listed credits on this card.
How points can be used
Cashback: The points you earn on the card can be used as cashback for 1 penny per point.
Chase Travel: You can get 1 penny per point for Chase Travel if you only have the Ink Unlimited card.
If you also have the following cards then you can redeem your points for Chase travel as follows:
- If you have the Chase Sapphire Preferred or the Ink Preferred – transfer your points from your Ink Unlimited card to one of these cards and then you can redeem 1.25 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.
- If you have the Chase Sapphire Reserve – transfer your points from your Ink Unlimited card to this card and then you can redeem 1.5 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.
Airline and hotel programs: The points you earn on the card cannot be transferred directly to Chase travel partners. If you also have the following cards then you can transfer to travel partners as follows:
- If you have the Sapphire Preferred, Sapphire Reserve, or the Ink Preferred – transfer your points to one of these cards and then you can transfer your points to airline and hotel partners as follows:
Airline partners:
TransferRatio Transfer Time
AerLingus, AerClub 1:1 Instant
AirCanada, Aeroplan 1:1 Instant
BritishAirways, 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
UnitedAirlines, MilagePlus 1:1 Instant
VirginAtlantic, FlyingClub 1:1 Instant
Hotel partners:
Ratio TransferTime
Hyatt, WorldOf Hyatt 1:1 Instant
IHG,Rewards Club 1:1 1day
Marriott, Bonvoy 1:1 2days
PayYourself Back: You can PayYourself Back by paying for purchases on your card and offsetting the purchases with points. You can get 1.1 cents per point if you only have the Ink Unlimited. If you have any of the following cards then you can redeem your points with PayYourself Back as follows:
- If you have the Chase Sapphire Reserve or the Ink Preferred – get 1.25 cents per point.
- This can only be done on purchases within certain categories. Chase constantly changes the eligible categories but following are the current categories until 03/31/22:
Chase Sapphire Cards: Gas stations, Groceries, Annual Fee (on the Sapphire Reserve)
Chase Ink Cards: Internet and cable, Phones services, Shipping