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Chase Ink Business Unlimited
FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!
Card Type: Visa Signature Business
Earning rate: 1.5X on all purchases.
Note: This card is expected to be subject to Chase's 5/24 rule.
See also: Transferable points programs
If your application is denied: Call Chase’s reconsideration line to ask them to reconsider the decision. If you find that they denied you due to having opened 5 or more cards in the past 24 months, then make sure they are not counting any authorized user cards in your name. You may have to talk to a supervisor to get this done.
Another option is to ask your Chase banker in-branch to submit a special reconsideration form for you. Details about this form can be found here: Chase Special Consideration [Now for business cards only].
Once you are approved for this card, you have three months to meet the required spend in order to get the signup bonus. With Chase, they’ll often actually give you more time: up to 115 days. If you think you’ll need more than 3 months to get it done, I recommend contacting Chase through secure message to ask for an exact date by which you must complete the spend.
You’re not supposed to use business credit cards for personal purchases, but it is quite common to do so. If you feel comfortable doing so, use the new card for all of your usual spend.
If your usual spend isn’t enough, consider paying a small fee to use your card to pay bills that can’t usually be paid by credit card, or to pay taxes, etc. See this post for many options for increasing credit card spend.