How To Get Chase Points From Ink Business Unlimited® Credit Card

TLDR; Getting chase points for your Ink Business Unlimited® Credit Card is accessible for all, but it requires a bit of work. The Chase points you earn can be turned into incredible value through Chase’s travel partners.

Chase Ultimate Rewards points are often touted as one of the best transferable points options out there. And the Ink Business Unlimited® Credit Card is an excellent way for folks to get a hold of some Chase points. You may wonder, how can this help out my business? Well, you can earn points on all your business expenditures that can be used toward company travel.

You can use the points towards a weeklong stay for a conference in Singapore, a roundtrip business class to Europe (yes, really business class), renting a car for the company to travel to a nearby business meeting and so much more!

How do you get Chase points with the welcome bonus?

With the Ink Business Unlimited® Credit Card, you receive a generous welcome bonus for a no annual fee business card. Once you spend $6,000 in 3 months, you will receive $750 in cashback earned. Now, I know you might be thinking well those aren’t Chase points. The great thing with Chase credit cards is that this cashback you earn can be converted to Chase Ultimate Rewards points. Each dollar earned is equivalent to 100 Chase points. So that means your $750 in cashback could be turned into 75,000 Chase points. A hefty amount of points for your next trip.

How do you get Chase points with everyday spend on the Ink Business Unlimited® Credit Card?

Although the welcome bonus can be a huge amount of Chase points you can earn with this card, the earnings do not stop there. You earn 1.5% cashback on all purchases for your business. Like the cashback you earn on the welcome bonus, it can be converted to Chase points.

Let’s say you spend $3,000 a month on all your business expenses in a year. Counting the cashback you earn from the welcome bonus, you could earn $1,290 in cashback. This cashback would be equivalent to 129,000 Chase Ultimate Rewards points. Great amount of points for an international round-trip flight and 3 night hotel stay for your business needs. Could also be great for a round trip flight to Europe for you and an employee.

Authorized Users

The earnings on your Ink Business Unlimited® Credit Card don’t stop on your everyday spend with the card. You can add your employees as authorized users free of charge. It's comforting to know that all the points earned on your employees’ spend for the business comes back to the business. It is an excellent feature as just because x employee earned the Chase points, it doesn’t mean they are the ones forced to use the points for business travel. It can apply to anyone in the business. And you can add as many employees as you would like to be authorized users.

How do you use your Chase points through the Chase Travel Portal?

One way to redeem Chase points from your Ink Business Unlimited® Credit Card is through the Chase Travel portal. When you are on the Chase home page for your account, there’s a little menu on the right-hand side that says travel. That will send you to the Chase travel portal where you can book flights, hotels, rental cars and more. What’s nice about the Chase Travel portal is that once you are checking out with all your travel purchases, you have the option of using your points or cash.

One thing I’ll say is that it's best if you combine your Ink Business Unlimited® Credit Card with a Chase premium card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Sapphire Reserve for Business℠ or Ink Business Preferred® Credit Card. These cards will allow you to redeem points at a higher rate through Chase Travel.

What is the best way to redeem your Chase points?

The best way to redeem your Chase Ultimate Rewards points is via Chase’s travel partners. One problem. You can’t do this directly with the Ink Business Unlimited® Credit Card. So how can you do it?

The key is you need to eventually pair your Ink Business Unlimited® Credit Card with a Chase premium card like the Chase Sapphire Reserve®. You will still be able to use all the points earned from your Ink Business Unlimited® Credit Card but you will have to transfer the points over to the Chase Sapphire Reserve®. This will unlock the 1:1 transfer with Chase’s travel partners. Now you may ask, why is this such a good option?

Well, it will allow you to book incredible redemptions you can’t find elsewhere. Iberia Airlines is running a promotion where you could book a flight from Boston, New York, Washington or Chicago to Madrid for just 6,400 Avios with Iberia. All you would have to do is transfer 7,000 Chase points (must be in increments of 1,000 points) to Iberia and you can book the flight. This flight could save you $250-$300 in comparison to cash prices!

Let me tell you about another great redemption option. This time with hotels. If you are looking for a nice fall getaway, there’s the Mr & Mrs Smith Bluebird Lake Placid hotel bookable with Hyatt. This hotel costs $271 a night and you could book it for just 16,750 points. All you would have to do is transfer 17,000 Chase points to Hyatt. This would save you at least $100 a night when compared to cash prices.

How do you transfer Chase points from your Ink Business Unlimited® Credit Card to your personal account?

An amazing feature about Chase business cards is that you can transfer the points from your business to your personal Chase cards. The way this works starts from when you get your first business card. When you get a Chase business card, you have to then set up another Chase account where your business and personal cards can sit under the same umbrella. Once you earn your points with a card like the Ink Business Unlimited® Credit Card, you can then transfer the points to a personal card for redemption.

This can be great for someone who runs a one man/woman operation business. It can be nice to transfer the points to a personal credit card like the Chase Sapphire Reserve® and then you have the option to book a personal trip.

It could also work for a business with employees too. Your business may not require travel for you or your employees but you don’t want to end up empty-handed. The points you earn from your business with your Ink Business Unlimited® Credit Card can be transferred to your personal account to book leisure trips for you, your friends or your employees.

Final Remarks

The bottom line is you can get an amazing amount of Chase points to book business or personal travel with your Ink Business Unlimited® Credit Card. The cashback you earn can be redeemed as cashback OR you can convert it into Chase points to stretch its value. The travel you might take advantage of with your Chase Ultimate Rewards points can save your business hundreds to thousands of dollars.

The welcome bonus with the Ink Business Unlimited® Credit Card serves as a quick and easy way to earn Chase Ultimate Rewards points to be transferred to a Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Sapphire Reserve for Business℠, or the Ink Business Preferred® Credit Card. That way you can get the best bang for your buck to Chase travel partners.

But the long term earnings will come through via the Ink Business Unlimited® Credit Card’s 1.5% cashback earned on all purchases that can be transferred to Chase points. It's a card you can keep for the lifetime of your business as there may be some categories that don't have outsized earn rates. And this card has a great flat earn rate.

Although there are a plethora of ways to earn Chase points, the Ink Business Unlimited® Credit Card serves as a great way for your business to earn Chase Ultimate Rewards points especially as a no annual fee card.