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Why I love the Ink Business Unlimited

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man talking on the phone in a creative office
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While I have quite a few personal credit cards from all the major issuers, my husband and I also have a handful of business credit cards from Chase. We have separate business cards for a few reasons, including the fact that business credit cards help us keep business spending separate from personal spending. This makes it easier to stay organized for tax purposes, and it lets us maximize rewards on business-related purchases.

The first business credit card I signed up for was the Ink Business Preferred® Credit Card. I still use this card regularly within popular 3X earning categories that include online advertising, travel, shipping and internet, cable and phone services. This card lets me earn 3X points on up to $150,000 in spending in these categories each year, then 1X points.

However, the Ink Business Preferred falls short when it comes to everyday spending, since it only offers 1X points on regular business purchases. That’s why I originally added the Ink Business Unlimited® Credit Card to my roster of cards, yet I have grown to absolutely love it for other reasons since then.

Ink Business Unlimited details

Before I dive into all the reasons I love this particular business credit card, here’s a look at the main card details of the Ink Business Unlimited, including its sign-up bonus, earning rates and fees.

  • Welcome bonus: $750 cash bonus when you spend $7,500 on purchases within three months of account opening
  • Rewards: 1.5 percent cash back on all purchases
  • Intro APR: 0 percent intro APR on purchases for 12 months (14.74 percent to 20.74 percent variable APR thereafter)
  • Annual fee: $0

6 reasons to adore the Ink Business Unlimited

While I don’t use the Ink Business Unlimited for all the purchases my business makes, I do use it for a ton of regular spending each year. Here are the main reasons this no-annual-fee business credit card is such an important part of my rewards strategy.

Earn 1.5% cash back on all purchases

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. As the card technically earns Chase Ultimate Rewards points—which can be redeemed for cash back at a 1:1 value—this translates into 1.5X points for each dollar spent. 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.

Generous welcome offer

I also earned a big bonus just for signing up. At the moment, the Ink Business Unlimited offers $750 in bonus cash (the equivalent of 75,000 Chase Ultimate Rewards points) after cardholders spend $7,500 on new purchases within three months of account opening.

No annual fee

Another benefit of the Ink Business Unlimited is its lack of an annual fee. This makes the Ink Business Unlimited a no-brainer for long-term usage and an easy card to pair with other personal and business credit cards.

Easy points pooling

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. I also have personal Chase credit cards, including the Chase Sapphire Reserve®, so I actually pool all my Chase points in my Sapphire Reserve card’s account to make things simple.

Once in my Sapphire Reserve account, I have the option to transfer my points to Chase transfer partners, like British Airways, United MileagePlus, IHG Rewards Club or Marriott Bonvoy. The Chase Sapphire Reserve also offers 50 percent more value when you use points to book travel through Chase, so pooling my points in this account lets me get more value for my rewards.

As a side note, you should also know that points earned in the Chase Ultimate Rewards program can be used for a lot more than travel. Beyond travel redemptions, you can use these points for cash back, statement credits, gift cards, merchandise, experiences and more.

Free cardholder perks

The Ink Business Unlimited also comes with some pretty sweet benefits for a business card with no annual fee. Travel perks include primary auto rental coverage when you rent a car for business purposes, travel and emergency assistance services and roadside dispatch.

Other benefits cardholders receive include purchase protection against damage or theft (good for up to $10,000 per claim and up to $50,000 per account) and extended warranty coverage on items that come with a manufacturer’s warranty.

0% intro APR offer

Finally, it’s worth noting that the Ink Business Unlimited offers an introductory 0 percent APR on purchases for 12 months, followed by a variable APR of 14.74 percent to 20.74 percent. This benefit can be useful for cardholders who want the chance to pay down large business purchases without any interest for up to a year.

The bottom line

As you can see, there are a myriad of reasons to fall in love with the Ink Business Unlimited. Not only does the card offer a generous welcome offer and a flat rate of 1.5 percent cash back on all purchases, but there’s no annual fee, to boot. A handful of cardholder perks and the zero-interest offer on purchases only add to its value.

If you’re in the market for a new business credit card, it makes sense to at least consider the Ink Business Unlimited. It can work as a good stand-alone card if you’re looking for a business card with no annual fee, but you can also pair it with business cards with bonus categories that help you maximize your rewards.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
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Part of  Introduction to the Ink Business Unlimited Credit Card