Ink Business Unlimited® Credit Card review

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Best business sign-up bonus

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

Bankrate Rating


Best for flat-rate cash back for small businesses

  • Rewards rate: 1.5 percent cash back on all purchases
  • Welcome offer: $750 cash back when you spend $7,500 within three months of opening your account.
  • Annual fee: $0
  • Purchase intro APR: 0 percent on purchases for 12 months
  • Balance transfer intro APR: N/A
  • Regular APR: 13.24 percent to 19.24 percent variable

The Ink Business Unlimited, a Chase credit card, holds its own in the lineup of business credit cards. It has no annual fee, helpful benefits, a top-tier welcome bonus, unlimited rewards and more.

But in some cases, you may earn more with an alternate offer. Read on to find out if this may be the right card for your business.

Current sign-up bonus

The Ink Business Unlimited card currently comes $750 in cash back. You can earn the bonus by using the card to spend $7,500 within the first three months of opening your account.

For a card with no annual fee, this is a sizable welcome bonus.

Cash back

With the Ink Business Unlimited, you get a cash back rewards program where you earn Ultimate Rewards points you can redeem for cash.

Earning cash back

Whenever you use your card to make a qualifying purchase, you will earn 1.5 percent back. So if you spend $12,000 in your first year, you would get a total of 18,000 points worth $180.

Qualifying purchases exclude cash advances, balance transfers, lottery tickets, betting transactions, checks and interest charges.

Redeeming cash back

You can redeem your points for cash back that can be credited to your account statement or directly deposited into your U.S. bank account. One pro here is there are no minimums for redeeming your points, so you can cash them out at any time.

Since you technically earn Ultimate Rewards with this card, you can also redeem your points for travel, gift cards, Apple purchases and more.


Ink Business Unlimited cardholders enjoy a lineup of benefits that can help make your business run more smoothly—from travel and purchase protection to employee cards.

Free employee cards

A helpful benefit for business owners with multiple employees, free employee cards empower employees to make their own business purchases. You can set spending limits on each card so employees can only spend as much as they need to.

Account alerts

Chase will send you personalized account alerts. For example, you could program in an alert that sends you a text when an employee hits their spending limit.

Travel protection

Does your business take you on the road? Gain peace of mind with roadside emergency service, insurance when you rent a car and emergency assistance if you run into a problem while traveling.

Purchase coverage

The Ink Business Unlimited can also help you shop with confidence. It offers purchase protection for 120 days, up to $10,000 per claim and $50,000 per account, in case your item gets damaged or stolen. Additionally, get extended warranty protection that can extend eligible U.S. manufacturer warranties of three years or less by one additional year.

Rates and fees

The Chase Ink Business Unlimited card has no annual fee and a regular APR on purchases and balance transfers of 13.24 percent to 19.24 percent variable. However, alternate APRs will apply in certain situations.

When you first sign up, for instance, you’ll get a 12-month promotional 0 percent intro APR on purchases before it returns to the regular APR (13.24 percent to 19.24 percent variable APR thereafter). If you take out a cash advance, the APR will be 24.99 percent variable. Additionally, if you make a late payment or have a payment returned, you can face the default APR up to 29.99 percent variable, so it’s important to pay on time. You will also face a late payment or returned payment fee of $39 per instance.

Additional fees include a 3 percent fee on all foreign transactions, a 5 percent or $15 fee on all cash advances (whichever is greater) and a 5 percent or $5 fee for balance transfers (whichever is greater).

How the Ink Business Unlimited compares to other business cash back cards

If you want a business rewards credit card with no annual fee and spend frequently on office supplies, internet and phone services, gas stations and restaurants, consider the Ink Business Cash® Credit Card. It offers the same APR and $750 welcome offer as the Ink Business Unlimited (when you spend $7,500 on purchases in the first three months) but includes higher reward rates on the categories listed above.

Another attractive option is The Blue Business® Plus Credit Card from American Express. It also has no annual fee and the same APR offerings as the Ink Unlimited. However, you can earn 2 points per dollar on the first $50,000 you make in purchases each year, followed by 1 point per dollar after that. If you spend less than $75,000 in a year, you could earn more points-wise with this card than the Ink Business Unlimited.

Annual fee Rewards Welcome Bonus
Ink Business Cash® Credit Card $0 5% cash back on purchases at office supply stores and with internet, phone and cable service providers (up to $25,000 per year). 2% back on purchases at gas stations and restaurants (up to $25,000 per year). 1% back on everything else. $750 bonus cash back when you spend $7,500 on purchases in the first three months
Blue Business® Plus Credit Card from American Express $0 2x points on up to $50,000 in purchases per year. 1x points on everything else. None

Best cards to pair the Ink Business Unlimited with

The best card to pair with the Ink Business Unlimited depends on your needs. If you travel frequently for business, consider a travel rewards card like the Capital One Spark Miles for Business.

If you want a personal credit card to separate your business and personal finances, browse the best credit cards for personal use. Or see how you can go all-in on Chase and reap maximum Ultimate Rewards points.

Bankrate’s Take—Is the Ink Business Unlimited worth it?

The Chase Ink Business Unlimited credit card is an all-around good card for business owners. It offers decent rewards, especially with no price of entry.

However, if you want to earn more back on your purchases, you may be able to with another card. It will depend on how much you plan to spend and where you shop most frequently.


  • No annual fee
  • Lengthy intro APR on new purchases
  • Top-notch welcome bonus
  • Earn unlimited rewards without expiration or categories to keep track of


  • Cash back can be beaten by some other cards with bonus categories
  • No intro APR on balance transfers