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Turn $1,000 Cashback Into 100,000 Chase Points: Ink Business Unlimited Guide June 2026
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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 (btw, huge limited time new cardmember bonus offer). You may wonder, how can this help out my business? Well, you can earn cashback on all your business purchases that can then be (eventually) used for 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!
With the Ink Business Unlimited® Credit Card, you receive a generous welcome bonus for a no annual fee business card. Right now, there's an incredible limited-time offer where you earn $1,000 bonus cash back after you spend $8,000 on purchases in the first four months from account opening. This is the best public offer this card has ever had, so it's worth paying attention to.
Earn $1,000 when you spend $8,000 on purchases in the first 4 months after account opening
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 $1,000 in cashback could be turned into 100,000 Chase points, all from a no annual fee card too (just make sure you meet the minimum spend requirements)!
With the right partner Chase card, this can be a hefty amount of points for your next trip.
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. In three months, you'd earn $135 in cashback (or 13,500 points).
Counting the limited time new cardmember bonus, you could earn a total of $1,135 in cashback (or 113,500 total points).
That's a serious amount of points for an international round-trip business class flight and a multi-night hotel stay for your business needs. Could also be great for a round trip flight to Europe for you and an employee.
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.
For example, if you have 5 employees each spending $1,000 a month on business expenses, that's $5,000 in monthly spend earning 1.5% cashback. That adds up to $75 per month in cashback, or $900 per year in extra points, on top of whatever you spend on the primary card. Managing authorized users is straightforward through your Chase account, and you can set spending limits for each employee to keep things in check.
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, and 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.
Keep in mind that transfer rates to Hyatt now vary by card.
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?
| Redemption Method | Value per Point | Requires Premium Card? | Best For |
|---|---|---|---|
| Cash Back | 1 cent | No | Simple, immediate value |
| Chase Travel Portal | 1.25 to 1.5 cents | Yes | Booking flights, hotels, and rental cars |
| Transfer to Travel Partners | 1.5 to 2+ cents | Yes | Maximizing value on international flights and hotel stays |
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®.
With the Chase Sapphire Reserve® or Sapphire Reserve for Business℠, you get a full 1:1 transfer ratio to all 14 of Chase's travel partners (10 airlines and 4 hotels). If you pair with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card instead, you still get 1:1 on most partners, though Hyatt transfers are decreasing to a 4:3 ratio (depending on when you originally applied for the card, but takes place for everyone after October 01, 2026). All transfers are made in increments of 1,000 points. 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 (assuming you have 1:1 Hyatt transfers). This would save you at least $100 a night when compared to cash prices.
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.
The transfer between business and personal accounts happens instantly within the Chase portal. There are no fees for moving points between your own accounts, and the points don't lose any value during the transfer. This flexibility is one of the biggest perks of the Chase ecosystem because it lets you pool all your business and personal earning into a single bucket for maximum redemption value.
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.
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. You can also keep track of your credit card benefits to make sure you're getting the most out of every card in your wallet.
The current limited-time welcome bonus on the Ink Business Unlimited® Credit Card is the best this card has ever offered, making it a great time to pick it up and transfer those points 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 with Chase travel partners. It's also worth noting that the Sapphire Reserve for Business℠ currently has a limited-time offer of 200,000 bonus points after spending $30,000 in 6 months, which is a strong pairing option if your business has higher spend. If you're considering the Ink Preferred as your pairing card, check out our Ink Business Preferred review for a full breakdown.
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.
Yes. The Ink Business Unlimited® Credit Card earns 1.5% cashback on all purchases, which can be converted to Chase Ultimate Rewards points. Each dollar of cashback equals 100 Chase points.
Yes. The Ink Business Unlimited® Credit Card does not have direct access to Chase's transfer partners. You need to pair it with a card like the Sapphire Reserve or Ink Preferred and move your points to that card first.
No. The Ink Business Unlimited® Credit Card has no annual fee, making it a great long-term card for earning Chase points on everyday business spending.
Yes. You can transfer points from your Ink Business Unlimited® Credit Card to a personal Chase card like the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card for redemption, as long as both cards are under the same Chase account umbrella.
