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Part of the popular Ink Business family, the Ink Business Unlimited® Credit Card (Rates & Fees) stands out as one of the two options in the lineup with no annual fee, offering a simple way to earn rewards without any additional cost. The card currently also features a valuable welcome bonus and earns unlimited 1.5% cash back on every purchase, making it a great option for everyday business spending.
With a fixed-rate rewards structure and a generous sign-up bonus, small-business owners should seriously consider adding this card to their wallets.
Here's what you need to know about the Ink Unlimited to help you decide if it's right for your business.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
Page Contents
- Ink Business Unlimited Pros
- Ink Business Unlimited Cons
- Chase Ink Business Unlimited Welcome Offer
- Chase Ink Business Unlimited Benefits
- Chase Ink Business Unlimited Earning Rates
- Redeeming Points With the Chase Ink Business Unlimited
- Application Restrictions and Strategy
- Alternative Business Cards to the Ink Unlimited
- Bottom Line
Ink Business Unlimited Pros
- Flat, unlimited cash back rewards
- No annual fee
- Regularly offers a 0% introductory APR
- Points can be combined with other cards that earn Ultimate Rewards
Ink Business Unlimited Cons
- No bonus categories
- Can't transfer to Chase Ultimate Rewards transfer partners on its own
- Has foreign transaction fees — 3% of each transaction in U.S. dollars
- Limited travel benefits
Chase Ink Business Unlimited Welcome Offer
New cardholders of the Ink Unlimited earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. That $750 is marketed as cash back, but rewards are actually delivered as Ultimate Rewards points.
You can use these points as cash back on your credit card statement at a value of 1¢ per point. However, your best option is to combine them with points from another Chase card to maximize your value. Ultimate Rewards are one of our favorite flexible points programs thanks to the many cards that earn Ultimate Rewards points and the ease of redeeming them.
New cardholders also can take advantage of an introductory APR offer, which could help you finance larger purchases: 0% Intro APR on Purchases for 12 months, then a Variable APR of 16.74% - 24.74%.
Chase Ink Business Unlimited Benefits
The Ink Unlimited doesn't feature as many benefits as some other cards from the Ink Business family. However, for a no-annual-fee card, it does offer some solid protections and perks that are useful if you don't have them through another card. These card benefits include:
Auto rental coverage
A travel reward of many Ultimate Rewards-earning cards is the primary Auto Rental Coverage. That stands out from the secondary coverage offered on similar cards from American Express, Citi, and other providers.
It is worth noting that this coverage only applies when booking a card for business purposes and only provides up to $60,000 in coverage. You’ll be covered for theft and collision damage for most rental vehicles. To take advantage of this benefit, simply pay for the rental with your card and decline the rental agency's coverage.
Purchase protections
Purchase protections on this card cover new purchases for up to 120 days from the day of purchase. Cardholders are covered up to $10,000 per claim, up to $50,000 per account, and are not held responsible against damage or theft of newly purchased items.
Extended warranty protection
The extended warranty benefit on this card extends a U.S. manufacturer's warranty on new purchases for one extra year, available on eligible warranties of three years or less.
Employee cards at no additional cost
The Ink Unlimited allows you to issue employee cards at no additional cost. With this benefit, you can get greater control of your business spending, set individual spending limits to better manage company costs, and monitor unusual credit card purchases — all while still earning cash back on every expense.
Chase Ink Business Unlimited Earning Rates
The Ink Unlimited features no bonus categories. Instead, it earns 1.5% cash back on all purchases. Furthermore, there is no cap on the cash back you can earn. Additionally, through September 2027, you'll also earn 5% back on Lyft rides.
If most of your business expenses fall into one area, such as gas stations, dining, or advertising, you may be able to earn higher rewards by using a card that offers bonus rates in that specific category.
The Ink Unlimited works when treated like a companion card, filling earning gaps that the other Ink Business cards leave. Other cards generally earn 1 point or 1% cash back on “other” purchases. But, you can boost that to 1.5% by using this card, with no annual limit.
Have in mind that some types of transactions won't earn points: balance transfers, cash advances, and other cash-like transactions.
Redeeming Points With the Chase Ink Business Unlimited
As a standalone card, points earned from the Ink Business Unlimited Credit Card can be redeemed for 1¢ each as cash back via a statement credit. Alternatively, they can be redeemed for travel through Chase Travel℠, and can also be used to purchase gift cards and redeemed for Apple products.
However, your rewards become exponentially more valuable if you have eligible cards that allow you to combine points and transfer to travel partners, such as the Chase Sapphire Reserve® (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), and Ink Business Preferred® Credit Card, which have the potential to double or even triple your value.
$95Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
$795Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
$795Rates & Fees
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
Application Restrictions and Strategy
Like all of Chase’s rewards cards, the Ink Unlimited is subject to Chase’s 5/24 policy. This policy prevents applicants from being approved for a Chase card if they've opened five or more cards from any bank in the last 24 months. Even though approval is subject to 5/24, the Ink Unlimited won’t add to your 5/24 count — as it's a business card that isn't reported to your personal credit report.
Other credit card application restrictions make it unlikely that you'll be approved for more than one Chase business card within 90 days. The terms on this card previously stated that you could only earn the bonus once every 24 months; however, that language has been removed from the offer details.
Don’t know if you’ll qualify for a business credit card? You may already be eligible and not realize it. Reselling online, freelancing, and doing contract work all qualify with the majority of banks.
Alternative Business Cards to the Ink Unlimited
The best business credit card for your situation will depend on your spending patterns and travel goals. Here are some of the alternatives to consider if you decide that the Ink Unlimited isn't right for you:
- If you want a card that earns points in specific categories, consider the Ink Business Preferred® Credit Card. The card is currently offering a 100,000-point welcome offer and gives you access to all of Chase's transfer partners. It also earns 3x points on $150,000 of annual spending across several bonus categories.
- If you don't qualify due to Chase's 5/24 rule, the Capital One Spark Cash Select might be right for you. This card charges a $0 annual fee. Cardholders also earn: 1.5% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.
- If you want a card that earns a higher rate across the board, the Blue Business Plus offers 2x on the first $50,000 of annual purchases, then 1x after that. The card also has a $0 annual fee (Rates & Fees) and an introductory APR of 0% on purchases for 12 months from date of account opening, then a Variable APR of 16.74% - 26.74%.
$95Rates & Fees
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
$0
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Business Travel
No annual feeRates & Fees
(Terms Apply)
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Bottom Line
With a great welcome offer and no annual fee, the Ink Unlimited is a solid card option for small business owners' expenses. You'll earn quality cash back and avoid paying to keep the card in your wallet each year. Furthermore, when paired with other Chase cards, it can become part of a formidable Ultimate Rewards earning combo for your business.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
For rates and fees of the cards mentioned in this post, please visit the following links: Ink Business Unlimited® Credit Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), and Ink Business Preferred® Credit Card (Rates & Fees)
