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Welcome to Card Talk.

The show where we help you decide if this credit card belongs in your collection.

Let's talk about the Chase Inc. Business Unlimited card.

Yeah, this is an interesting card.

So it's a business card, obviously.

So you'll need to have some sort of a small business, although lots of small businesses

can qualify.

We can talk more about that in a minute.

But the key things you need to know about the Inc. Business Unlimited card is that it has no annual fee. So that's pretty nice. This card does have

foreign transaction fees. So it's not a good card to use overseas because those fees are going to be

higher than what you're going to even earn on the card. So you don't want to use this card for your

foreign purchases. And it has a very simple earning rate. You earn one and a half points per dollar everywhere.

Now, you'll see it says 1.5% back everywhere. But the way Chase awards that to you is in the form of

Chase ultimate rewards points. So you'll get one and a half ultimate rewards points per dollar

that you spend everywhere that you could redeem for cash back.

Or if you've got other chase cards, you can combine your points together.

And if one of your other chase cards enables the transfers to airline and hotel partners, then you'd be able to transfer on.

But not if you only have this card.

If you only have this card, your option would be to redeem for cash back, essentially. Sometimes you can earn a little bit more on other categories. So I think right now,

there's five, as we record this, you can get 5x on Lyft through March of 2025. Every now and then,

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