Why I Love My Ink Business Unlimited Credit Card

Alex CramerJul 22, 2020

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The  is one of the best no-fee business cards that you can apply for. Its generous sign-up bonus and extra points back on every dollar you spend make it a great way to boost your stash of .

These are the reasons I love pulling the out of my wallet.

Paying a fee for your credit card means that you need to keep track of your card anniversary and then calculate the value of the points you’ve earned versus the cost of keeping the card open.

That’s why I love such as the . It doesn’t matter how little or how much you use them. Every point you make off of them is pure profit to you (as long as you pay off your balance every month) and you never have to do the math to figure out if you should keep the card.

No fee equals no risk.

The downside of no-fee cards is that they generally have smaller sign-up bonuses. The , for example, is a free card, but its sign up bonus isn't much to get excited about:

The breaks this trend by offering:

Chase also gives you the option of taking your bonus as cash or as 50,000 Ultimate Rewards points that you can redeem for hotels, flights, cruises or even gift cards.

Spending bonuses can be tricky things. Traditional bonus spending categories such as or are great if you’re constantly flying around the world or love to eat in restaurants.

However, the majority of my spending doesn’t fall into the most popular categories, and too often I’m stuck getting a paltry 1 point per dollar spent, which is a slow way to build your point stash.

The solves this problem for me by eliminating bonus spending categories entirely and instead offering 1.5 points for every dollar spent regardless of category. While an extra half point may not sound like much, I spend thousands of dollars annually that doesn’t qualify in traditional bonus spending categories, and that small bonus adds serious value.

Credit card interest is the number one enemy of all travel rewards collectors because it essentially destroys the value of the points you’re collecting. I strive hard to always keep a zero balance on my cards, but occasionally you can’t help but make less than the full payment.

Fortunately, the has given me a powerful weapon in the war against interest — it doesn’t charge any, for the first year anyway.

When I recently had to do some renovations to my home, this was the card I used to pay contractors with because it gave me space to pay down those high, one-time payments without letting pernicious interest charges drain my bank account.

It should be noted that even without interest, you are still responsible for making minimum payments on your balance, and any balance you carry after the first 12 months will have interest charged to it.

I love having the latest A/V gear in my personal theater so I can watch my favorite movies on a high-def TV with room-shaking speakers.

But OLED TVs and surround-sound systems are a major financial investment, and the gives me additional protection in case things break down.

The gives me against theft and damage for up to $10,000 for 120 days from when I bought the item, with a maximum benefit of $50,000 per account.

The card also offers a warranty extension, which adds a year to qualified warranties of three years or less.

If you’re an Ultimate Rewards point collector, give the Chase Ink family of business cards a hard look and determine which one makes the most sense in your wallet.

The is an exceptionally well designed credit card for my needs. No fee means I never have to justify keeping the card, a high sign-up bonus gives me an instant point boost, and no spending categories means that every dollar I charge to it is giving me value no matter where I use it.

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the , including those best for:

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