4.2
Bottom line
The Ink Business Unlimited credit card is a great option for entrepreneurs who don’t want to deal with complicated bonus categories, and the intro APR offer makes it an ideal choice if you need to pay off new purchases over time. However, if you want to maximize high rewards earnings and you spend frequently in common business categories, you may be better off with a different business card.
Rewards rate
Annual fee
Intro offer
Regular APR
Recommended Credit Score
The Ink Business Unlimited® Credit Card, a Chase card, holds its own in the issuer’s lineup of business credit cards. It has helpful benefits, a top-tier welcome bonus, unlimited flat-rate rewards, terrific redemption flexibility and more, all for no annual fee.
That said, it may not be the most rewarding option for your business if your spending centers around specific categories. In fact, even a card with a higher base rewards rate could prove far more valuable — even if it requires an annual fee.
This card does not charge an annual fee, making it a solid choice for low-budget businesses
Currently offering its all-time-highest sign-up bonus, giving new cardholders a top-tier first-year boost
Offers a solid intro APR on purchases and a relatively low ongoing APR afterward
Its unlimited flat rewards rate on all purchases is a great fit for fans of simplicity
Flat-rate cash back rewards rate may be beaten by business cards with bonus categories, depending on your spending
It doesn’t offer an intro APR on balance transfers, so it won’t help much if you need to pay off debt
Welcome offer spending requirement may be tough to reach for some businesses
Personal finance expert and Bankrate contributor Holly D. Johnson is a big fan of the Ink Business Unlimited. She uses it for purchases that would normally only earn 1 percent cash back, and pairs it with her Chase Sapphire Reserve for increased rewards value through transfer partners or the Reserve card’s 50 percent Ultimate Rewards travel redemption boost.
Chase makes it simple to pool all your rewards in one place, so I can turn the cash back I earn with the Ink Business Unlimited into valuable rewards for travel.
Beyond the ability to pool points with other Chase cards, the biggest upside of the Ink Business Unlimited is the fact cardholders earn a flat 1.5 percent cash back rate for each dollar they spend. Since the card technically earns Chase Ultimate Rewards points when you combine it with other Chase travel credit cards, this translates into 1.5X points for each dollar in purchases your business makes. This is a better rate for regular spending compared to the Ink Business Preferred and Ink Business Cash® Credit Card.
For that reason, I break out my Ink Business Unlimited for business purchases that don’t earn any bonus points with my other cards.
— Holly D. Johnson, Bankrate writer