Ink Business Unlimited Credit Card: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

Ink Business Unlimited Credit Card earns a flat 1.5x points on everything. We value Chase Ultimate Rewards at 1.8¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	1.5x points	1.5¢ cash · 2.7¢ travel
Supermarkets	1.5x points	1.5¢ cash · 2.7¢ travel
Gas stations	1.5x points	1.5¢ cash · 2.7¢ travel
Travel	1.5x points	1.5¢ cash · 2.7¢ travel
Online shopping	1.5x points	1.5¢ cash · 2.7¢ travel
Drugstores	1.5x points	1.5¢ cash · 2.7¢ travel
Transit & rideshare	1.5x points	1.5¢ cash · 2.7¢ travel
Streaming	1.5x points	1.5¢ cash · 2.7¢ travel
Everything else	1.5x points	1.5¢ cash · 2.7¢ travel

Travel value uses 1.8¢ per point for Chase Ultimate Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Supermarkets, Gas stations, Travel, Online shopping, Drugstores, Transit & rideshare, Streaming. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

See it against the rest of your wallet →

How RightCard handles this: add the Ink Business Unlimited Credit Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Ink Business Unlimited Credit Card earn at supermarkets?

1.5x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Ink Business Unlimited Credit Card earn on everything else?

1.5x points on purchases outside its bonus categories.

Does the Ink Business Unlimited Credit Card have an annual fee?

No annual fee.

How much are Ink Business Unlimited Credit Card points worth?

About 1.8¢ each toward travel by our conservative estimate for Chase Ultimate Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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