Ink Business Unlimited® Credit Card

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Excellent (740 - 850)

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Best for the small business owner

Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 12 Months
Regular APR:
13.24% - 19.24% Variable
Terms and Restrictions Apply

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Ink Business Unlimited: Details and benefits

With the Ink Business Unlimited, you can help your small business earn flat-rate rewards for the spending you do every day.

This business credit card earns you an unlimited 1.5 percent cash back on every purchase made toward your business. It also offers a $750 cash back bonus after you spend $7,500 on purchases in the first 3 months from account opening.

There’s no annual fee and no additional charge for employee cards, meaning it doesn’t cost to own the Ink Business Unlimited. Further, the welcome bonus should be relatively easy to meet considering spending on employee cards counts toward cash back rewards.

Advantages

  • No annual fee
  • Unlimited flat-rate cash back rewards structure 
  • $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Zero liability protection, purchase protection, extended warranty, account alerts and more

Disadvantages

  • Relatively short 12-month introductory zero percent APR on purchases (13.24 percent to 19.24 percent variable APR after)
  • 3 percent foreign transaction fees for spending outside of the U.S.

Is the Ink Business Unlimited worth it for you?

If you prefer a business credit card that earns you a flat cash back rate no matter what you’re spending on, the Ink Business Unlimited is right up your alley. It can also pair well with a Chase business card that specifically earns Chase Ultimate Rewards® points, meaning you can transfer cash back earned with the Ink Business Unlimited to maximize your rewards potential through the Chase Ultimate Rewards® portal.

The Ink Business Unlimited isn’t a great pick for you if you plan on using your credit card to fund and pay off a large purchase over time; the introductory zero percent purchase APR sits at 12 months (13.24 percent to 19.24 percent variable APR after).

Consider keeping another business card on deck for any spending your small business may do outside of the United States as the Ink Business Unlimited charges a 3 percent foreign transaction fee for each purchase made abroad.

Get the most value from the Ink Business Unlimited

While the Ink Business Unlimited is a relatively simple card, it still offers a handful of perks that can help safeguard your small business.

If any authorized purchases are charged to your account, rest easy knowing you’re covered by zero liability protection. The card also offers real-time fraud monitoring and will alert you to any changes within your account, should you opt in.

Though the Ink Business Unlimited isn’t a travel card, Chase extends travel and emergency assistance services and roadside dispatch. You also receive an auto rental collision damage waiver when you pay for rental car services with the card.

How much are the Ink Business Unlimited rewards worth?

Say you spend $3,000 a month with the Ink Business Unlimited. In doing so, you’ll earn a total of $540 in cash back within 12 months. You’ll also qualify for the card’s welcome bonus, bringing your first-year value to $1,290 in cash back.

If you own a Chase credit card that earns Chase Ultimate Rewards® points, such as the Ink Business Preferred Credit Card, you can transfer and convert your cash back rewards into Chase Ultimate Rewards® points for even greater value.

According to The Points Guy’s February 2020 points and miles valuations, your rewards could be worth up to 2 cents per point when redeemed for travel through the Chase Ultimate Rewards® portal.

How to redeem rewards

Your cash back rewards can be redeemed as statement credit (either directly deposited into your U.S. checking and savings accounts or applied to your balance), business travel through Chase Ultimate Rewards®, gift cards or purchases from the Apple® Ultimate Rewards Store.