Chase Ink Business Unlimited overview

The Ink Business Unlimited® Credit Card (see rates and fees) is one of the best business cards with no annual fee because it earns 1.5% back on every purchase. That cash back can be turned into valuable Chase Ultimate Rewards points when paired with an eligible Chase card. Card Rating*:

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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The Ink Business Unlimited is a small-business card that closely mirrors the popular Chase Freedom Unlimited® (see rates and fees). The Ink Business Unlimited does not charge an annual fee, and its simple reward structure is more valuable than it looks at first glance.

Although there are other cards that earn 1.5% cash back (or more), when paired with an Ultimate Rewards earning card, the Ink Business Unlimited card allows you to convert cash back to Chase Ultimate Rewards points. This means you can combine Chase points from your separate card accounts and transfer them to the Ultimate Rewards program’s various airline and hotel partners.

While not everyone is eligible for a business credit card, it may be easier to be approved than you think, provided you have a “good to excellent” credit score of 670 or above, because freelancing and other sole-proprietor enterprises can count as a business in the eyes of Chase and many other issuers.

Let’s dive into the details.

Ink Business Unlimited pros and cons

Pros	Cons
No annual fee Flat cash back on all purchases Primary insurance for car rentals Shopping protections Rewards become transferable points when paired with an eligible card	Lacks bonus categories Need another eligible Chase card to convert cash back to points

Ink Business Unlimited welcome offer

New Ink Business Unlimited cardholders earn a $900 cash back bonus after spending $6,000 on purchases within the first three months from account opening.

This limited-time offer matches the best offer we saw on the card from September to November 2024.

You can redeem the welcome bonus as cash back, gift cards or travel booked through Chase Travel℠.

However, you can more than double your return (potentially) if you pair the Ink Business Unlimited with a card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred® Card (see rates and fees).

According to TPG’s September 2025 valuations, those 90,000 Ultimate Rewards points are worth $1,845.

That’s a solid haul on a card that charges no annual fee.

Related: The best welcome offers this month

Ink Business Unlimited benefits

You get what you pay for when it comes to benefits, so it’s no surprise that the Ink Business Unlimited doesn’t offer as many perks as other cards with higher annual fees.

Its benefits are identical to those offered by the Ink Business Cash® Credit Card (see rates and fees), but they’re not quite as good as the perks offered on the Ink Business Preferred® Credit Card. Most notably, you will not get cellphone protection or trip cancellation/interruption insurance.

The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Here’s a quick rundown of what’s included:

• Purchase protection: This covers new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Auto rental collision damage waiver: When renting a car for business purposes using the Ink Business Unlimited, you can decline the rental car company’s collision insurance and be covered by the card up to the vehicle’s cash value in the case of theft or collision damage. This is valid on most rentals in the U.S. and abroad, and coverage is primary, which means it applies before your own car insurance policy.
• Extended warranty: This extends a U.S. manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
• Employee cards at no additional cost: If employees are allowed to use the account, they will be authorized users and will have equal charging privileges unless you establish individual spending limits.

Earning rewards on the Ink Business Unlimited

The Ink Business Unlimited earns 1.5% cash back on all purchases using a straightforward rewards structure that does not require thinking about rotating or bonus categories. This represents both the beauty of this card and its potential downside.

For example, if you buy airfare with this card, you could be forgoing rewards of up to 8 points per dollar spent that a card like the Chase Sapphire Reserve® (see rates and fees) offers when booking via Chase Travel.

The same goes for paying for office supplies or internet service. The Ink Business Cash earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellphone and landline services each account anniversary year (then 1% thereafter).

It also earns 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each year. All other purchases earn 1% cash back.

Be careful about only evaluating this card based on its cash-back value. The unlimited cash back offered by this card won’t give you the highest return among cash-back business credit cards — if you redeem for cash, anyway.

Related: How to pick a strategy for your small-business credit cards

Redeeming rewards on the Ink Business Unlimited

There are a few key ways to redeem your rewards: cash back, gift cards, travel or goods and services offered through Chase’s rewards program.

If you redeem for cash, you can receive your money as a statement credit or through an electronic deposit into an eligible U.S. checking or savings account. Points redeemed for cash, gift cards or travel are worth 1 cent apiece.

Transferring rewards with the Ink Business Unlimited

You can boost your redemption rate to an effective return of over 3% (based on TPG’s September 2025 valuations) on all spending if you move your points to a full-fledged Ultimate Rewards personal or business card, such as:

The other card must be registered to you, the owner of the company or a member of your household to qualify for a transfer.

The Ink Business Unlimited can represent an incredible value proposition when partnered with any of these other cards. Once you move points to an account that earns Ultimate Rewards points, you can transfer them to valuable airline and hotel partners or book travel directly through Chase Travel and receive a flat value for your points, dependent on the specific redemption. See your rewards program agreement for full details.

TPG credit card writer Danyal Ahmed holds both the Ink Business Unlimited and the Sapphire Reserve and always combines his points to transfer them to an airline. He recently transferred 75,000 points to Air Canada Aeroplan to book multicity business-class tickets for his entire family from London to Istanbul and then onward to Zurich.

Related: The power of the Chase Trifecta: Maximize your earnings with 3 cards

What cards compete with the Ink Business Unlimited?

The Ink Business Unlimited‘s competitors are cards that offer a similar return on all spending. Business credit cards that offer fixed-rate rewards include:

Related: How to choose the best credit card for your business expenses

Is the Ink Business Unlimited worth it?

The Ink Business Unlimited is a valuable option for everyday spending if you pair it with the right card. Holding a premium Chase card like the Chase Sapphire Reserve can also maximize your business credit card rewards. However, watch out for Chase’s 5/24 restrictions.

Bottom line

The Ink Business Unlimited can be valuable in maximizing your rewards from business spending.

One advantage to opening Chase business credit cards is that they won’t add to your Chase 5/24 count once they’re open, even though applying for them in the first place is subject to the rule. So, if you qualify for business credit cards, it’s a good strategy to apply for a Chase business card first, before you apply for personal credit cards with Chase or other banks, which will count toward that 5/24 limit.

This card offers a great return on everyday spending, which can be supercharged if you have another card earning Chase Ultimate Rewards points.

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Apply here: Ink Business Unlimited

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For rates and fees of the Blue Business Plus card, click here.

Bank of America Travel Rewards credit card overview

The no-annual-fee Bank of America® Travel Rewards credit card has the potential to be a solid flat-rate card if you are a member of the Bank of America Preferred Rewards® program. However, without the Preferred Rewards earning bonus, the card falls short compared to other flat-rate cards on the market. Card rating*:

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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For beginners, points and miles can seem daunting. For some people new to earning credit card rewards, the idea of transferring points and trying to find the absolute best redemptions can be exciting but also nerve-wracking — if this is you, you’re not alone.

Many beginners give up on using credit card rewards to pay for travel because it seems too complicated.

That’s where an option like the Bank of America Travel Rewards card comes into play. It has no annual fee, and we recommend applicants have a credit score of 670 or higher to increase their chances of approval.

Points and miles pros will likely not be moved by the perks and redemption options featured on this card, but the simplicity of its earning rate and redemption process provides a nice starting point for beginners.

Let’s dig into the card details so you can decide if it’s right for you.

Bank of America Travel Rewards pros and cons

Pros	Cons
Unlimited flat earning rate No annual fee No foreign transaction fees	Bank of America does not offer airline or hotel transfer partners like other cards do No travel and purchase protections

Bank of America Travel Rewards welcome offer

New Bank of America Travel Rewards cardholders can earn 25,000 online bonus points after spending $1,000 in the first 90 days of account opening.

These points are redeemable at a flat rate of 1 cent per point toward travel or dining purchases, so this bonus is worth $250 — a solid offer but significantly less valuable than what you’ll find on other top travel cards.

It’s not a flashy bonus, but it is easy to earn since the minimum spending requirement is easily attainable. And since the card has no annual fee, you’re essentially earning rewards on purchases you’d normally make without any up-front cost. This is the standard welcome bonus on the Bank of America Travel Rewards card.

When it comes to eligibility, the Bank of America Travel Rewards card does have a 24-month restriction, though the details vary from card to card. The wording for the Travel Rewards card states:

“This card may not be available to you if you currently have or have had the card in the preceding 24 month period.”

This means that you can get a second Travel Rewards card if you previously held one; you just have to be certain that at least 24 months have passed since you closed your previous Travel Rewards card account.

Related: The ultimate guide to credit card application restrictions

Bank of America Travel Rewards benefits

The real benefit of the Bank of America Travel Rewards is its simplicity. There are no bonus categories, earning caps or transfer partners. For beginners, that can be a great way to start a points and miles journey.

As a cardholder, you’ll enjoy no foreign transaction fees when you swipe the card outside the U.S. Many no-annual-fee cards have foreign transaction fees, so this is a great benefit.

As expected with a no-annual-fee card, you won’t get any luxury perks. However, since it is a Visa Signature card, you will still have access to certain travel protections and benefits, including zero fraud liability and roadside assistance.

Again, this isn’t an extensive list of benefits, but the ones you do get are decent for a no-annual-fee card. Check your Travel Rewards Guide to Benefits for a comprehensive list of every perk you’ll receive through this card’s Visa Signature branding.

Related: Earn rewards for free with these no-annual-fee credit card strategies

Earning points on the Bank of America Travel Rewards

The Bank of America Travel Rewards card has a simple earning structure, but there’s more than meets the eye.

For starters, you’ll earn 3 points per dollar spent on travel purchases booked through the Bank of America Travel Center. You’ll also earn unlimited 1.5 points per dollar spent on every purchase. There’s no yearly cap on rewards earned, and your points won’t expire for as long as your account is open.

This is a fairly standard earning rate for a no-annual-fee card, though you can find cards with more competitive reward structures. However, the rewards structure becomes much more valuable if you qualify for the Bank of America Preferred Rewards program.

To enroll in Preferred Rewards, you’ll need an eligible Bank of America personal checking account and a three-month average daily balance of at least $20,000 across your Bank of America and Merrill accounts.

There are four levels of Preferred Rewards, and each comes with an earning bonus on the Travel Rewards card.

As you can see, those with Platinum Honors and Diamond can earn at least 2.625 points per dollar spent on every purchase, which is an impressive return for everyday purchases.

Plus, you’ll receive a savings account interest bonus, discounted banking and investing fees and discounted rates on auto loans and mortgages.

That said, the earning rate of 1.5 points per dollar is lackluster if you aren’t a Preferred Rewards member. Even Gold tier members can likely do better with another rewards card.

Related: Everything you should know about Bank of America’s Preferred Rewards program

Redeeming points on the Bank of America Travel Rewards

Bank of America points act more like cash-back rewards since each point is worth 1 cent. You can redeem points as a statement credit for travel or dining purchases (starting at a minimum of 2,500 points).

When you make a purchase, simply log in to your account and select any qualifying transaction from the previous 12 months.

Although travel enthusiasts may see this as a disadvantage, beginners might rejoice at this no-stress process.

You don’t have to think about maximizing reward redemptions or figuring out the best transfer partner for booking your travel, which can be a headache for someone looking for a simple, no-frills way to earn and use their points.

You can also use your points for a cash reward — a check or a deposit into a qualifying Bank of America account. However, you’ll get a value of just 0.6 cents per point this way (2,500 points = $15), so you’re much better off using them for travel or dining purchases.

Finally, you can redeem your points for gift cards, though the exact value varies by merchant.

Related: The best Bank of America credit cards

Which cards compete with the Bank of America Travel Rewards?

One of these may be a better fit if you want more perks or a different earning structure than what the Bank of America Travel Rewards card offers.

• If you want more perks: The Bank of America® Premium Rewards® credit card is a mid-tier travel card with a $95 annual fee. It earns the same 1.5 points per dollar base rate as the Travel Rewards card, but you’ll also earn 2 points per dollar on travel and dining purchases and get more travel perks. To learn more, see our full review of the Bank of America Premium Rewards card.
• If you want more flexible rewards: The Capital One VentureOne Rewards Credit Card earns 1.25 miles per dollar spent on everyday purchases and 5 miles per dollar on hotels and car rentals booked through Capital One Travel. However, the card shines by giving you access to the issuer’s 15-plus transfer partners, including British Airways, Turkish Airlines and Wyndham. To learn more, see our full review of the Capital One VentureOne Rewards.
• If you want even more cash back: The Chase Freedom Unlimited® (see rates and fees) is another great no-annual-fee card option. It offers 5% cash back on travel booked through Chase Travel℠, 3% back at restaurants and drugstores, 2% cash back on Lyft rides through Sept. 30, 2027 and 1.5% back on all other purchases. To learn more, see our full review of the Freedom Unlimited.

For additional options, check out our full list of the best cash-back credit cards.

Is the Bank of America Travel Rewards worth it?

If you’re looking for simplicity in earning and redeeming points, the no-annual-fee Bank of America Travel Rewards card could be a good option, especially if you’re a Bank of America Preferred Rewards customer. However, more seasoned points and miles travelers will likely want a card with higher earning rates and more redemption options.

Bottom line

The Bank of America Travel Rewards card offers a simple earning rate and redemption options many beginners will appreciate. However, frequent travelers who want better earning rates and the flexibility of transfer partners should consider other options.

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Apply here: Bank of America Travel Rewards card

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Related: 5 reasons I love the Chase Freedom Unlimited as a credit card beginner

Wells Fargo Autograph Card overview

The Wells Fargo Autograph® Card (see rates and fees) offers bonus points in popular spending categories, straightforward redemptions at a flat rate and several valuable benefits that aren’t common on cards with no annual fee. Card rating*:

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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The Wells Fargo Autograph card is a popular option for those who want a credit card with no annual fee, travel and shopping protections and a quality earning structure. Additional eyes have been on the card ever since Wells Fargo launched transfer partners, allowing cardholders to get maximum value from their points.

The fact that the Autograph Card has no annual fee means there’s no cost for keeping it in your wallet, so you can enjoy benefits like cellphone protection and complimentary access to your credit score for no added cost, among other perks. We recommend a credit score of 670 or higher for this card.

Here’s a closer look at the Wells Fargo Autograph Card.

Wells Fargo Autograph pros and cons

Pros	Cons
Bonus points on various everyday purchases Up to $600 in cellular telephone protection when you pay your monthly bill with the card ($25 deductible) No annual fee	Fewer transfer partners than other issuers

Wells Fargo Autograph card welcome offer

Earn 20,000 bonus points after spending $1,000 or more in purchases in the first three months from account opening with the Wells Fargo Autograph.

According to TPG’s July 2025 valuation, Wells Fargo points are worth 1.6 cents per point, making this offer worth $320 when redeemed for travel.

It’s worth noting that most Wells Fargo credit card applications have the following terms:

You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months.

Before applying for a Wells Fargo card, make sure it’s been at least six months since the last time you opened a card with them. Keep in mind that Wells Fargo may consider other factors, like how many total credit accounts you’ve opened recently, when considering your application.

TPG credit cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts in the past 24 months, so keep that stat in mind as well when deciding when to apply.

Related: The ultimate guide to credit card application restrictions

Wells Fargo Autograph card benefits

Since it’s a Visa Signature card, you’ll enjoy two built-in benefits with the Wells Fargo Autograph.

The Visa Signature Luxury Hotel Collection provides elitelike benefits on hotel bookings made through its program, including room upgrades on arrival (when available), a $25 food and beverage credit at the property, VIP guest status and complimentary breakfast for two each day.

The Visa Signature Concierge Service can help you with travel bookings, restaurant recommendations and reservations or booking tickets to an event.

The Autograph Card also offers several protections on purchases made with your card. Benefits include a secondary auto rental collision damage waiver on rentals when you pay for the entire transaction with your card, 24/7 roadside dispatch, travel and emergency services assistance and free access to your FICO credit score.

You’ll also receive up to $600 of cellphone protection against damage or theft when you pay your monthly bill with the Autograph Card. However, there is a $25 deductible per claim and a limit of two claims in a 12-month period. Note that this protection does not cover lost or missing cellphones.

While you won’t get lounge access or statement credits with this card, this is a solid range of benefits for a no-annual-fee card.

Related: Comparing Visa Signature and World Elite Mastercard benefits

Earning points with the Wells Fargo Autograph card

With the Wells Fargo Autograph, you’ll earn at the following rates:

• 3 points per dollar spent on dining (includes takeout, catering and food delivery services)
• 3 points per dollar spent on travel (airfare, hotels, car rentals, cruises and more)
• 3 points per dollar spent at gas stations and electric vehicle charging stations,
• 3 points per dollar spent on transit, eligible streaming services and phone plans
• 1 point per dollar spent on other purchases

Given that, according to TPG’s July 2025 valuation, Wells Fargo points are worth 1.6 cents each, you’ll get a 4.8% return on your spending in these bonus categories.

It’s rare to see phone plans as a bonus category on a personal card. Normally, that category pops up on business cards.

Related: The best rewards credit cards for each bonus category

Redeeming points with the Wells Fargo Autograph card

You have several options for redeeming your points at wellsfargo.com/rewards. You can redeem them at a value of 1 cent apiece as a statement credit, for gift cards (in $25 increments), or to book travel, such as flights, rental cars or hotel stays.

You can also redeem points as a credit to a qualifying Wells Fargo credit card, checking account or mortgage. Plus, you can pay with points at participating merchants, including PayPal.

There are positives and negatives to these redemption options.

On the plus side, you never have to guess what your points will be worth when you use them. Using these redemption options means you’ll always get a value of 1 cent per point.

On the negative side, these aren’t the best redemption options, since you can get more value from your points by taking advantage of Wells Fargo’s transfer partners.

Related: Wells Fargo Rewards program: How to earn, redeem and transfer points

Transferring points with the Wells Fargo Autograph card

With the Wells Fargo Autograph, you’ll be able to enjoy access to transfer partners to maximize the value of your points. Wells Fargo has the following transfer partners:

While this list isn’t nearly as long as other credit issuers’, it’s still a good selection. Wells Fargo will likely add additional partners in the future, so keep a close eye on this list.

Related: Credit card transfer partners: Guide to transferring points and miles to airlines and hotels

Which cards compete with the Wells Fargo Autograph card?

When considering cards that compete with the Wells Fargo Autograph, two types immediately come to mind: cards that earn transferable rewards and credit cards with similar earning structures.

For additional options, check out our full list of the best travel cards.

Read more: Chase Sapphire Preferred vs. Capital One Venture Rewards

Is the Wells Fargo Autograph card worth it?

The Wells Fargo Autograph is best for those who want a no-annual-fee card with good benefits like cellphone protection and credit score access. This card grants access to a quality selection of transfer partners, making it a great fit for travel beginners and enthusiasts alike.

Bottom line

We rarely see a card without an annual fee that offers multiple protections and strong earning categories.

Those looking for a card with no annual fee and access to transfer partners may enjoy the Wells Fargo Autograph. If you’re looking for a card that offers more transfer partners, however, going with another issuer, like Chase or Capital One, makes more sense.

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Apply here: Wells Fargo Autograph

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