Ink Business Unlimited℠ Credit Card Review

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Ink Business Unlimited℠ Credit Card
Ink Business Unlimited℠ Credit Card
Annual Fee$0
Welcome Bonus Earn $500 bonus cash after you spend $3,000 on purchases in the first 3 months from account opening.
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $500 cash back bonus after you spend $3,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn unlimited 1.5% cash back on every purchase made for your business

The Ink Business Unlimited℠ Credit Card is the latest card to join Chase’s standout line of business credit cards. Joining the super successful Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card, rounding out the lineup and filling the only glaring omission from Chase’s business card collection, a card for every day, non-bonus business expenses. The Ink Business Unlimited is the business version of the popular Chase Freedom Unlimited®, one of the best companion cards on the market for everyday spend.

The card features a stellar signup bonus, great perks for a card that charges $0 annual fee, and a simple rewards' earning structure providing a top return on non-bonus expenses. Although marketed as a small business cash back card, the real value of the Ink Business Unlimited is pairing it with an Ultimate Rewards earning card that allows you to transfer points to travel partners. This includes the Ink Preferred, the Chase Sapphire Reserve®, and the Chase Sapphire Preferred® Card.

Not only do these cards allow you to transfer points to travel partners, but you can also redeem your consolidated Ultimate Rewards for a higher fixed-value through the Ultimate Rewards Travel Portal.

Ink Business Unlimited Signup Bonus

New cardholders of the Ink Business Unlimited earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. That $500 is equal to 50,000 Ultimate Rewards if consolidated into the account of a premium Ultimate Rewards earning card it is potentially worth a lot more once transferred to Ultimate Rewards travel partners like United MileagePlus, Singapore KrisFlyer, or Hyatt.

Ink Business Unlimited Earning Potential

The Ink Business Unlimited features no bonus categories, instead, earning 1.5% cash back on all purchases, with no cap on the cash back you can earn! As a standalone card, those points can be redeemed for 1¢ each as cash back or towards travel through the Chase Travel Portal, so at face value, the card earns less than the class-leading business cash back cards which earn 2% on every purchase.

Where the Ink Business Unlimited truly shines is when paired with other cards from the Ultimate Rewards family. What makes Ultimate Rewards so valuable is the ability to combine points across all of your business and personal accounts, and redeem from the account providing the highest redemption value. If you also hold an Ink Preferred, Sapphire Preferred, or Sapphire Reserve, you can combine points earned across all your Ultimate Rewards earning cards and redeem them for much better than 1¢ per piece.

When viewed as a companion card, the Ink Business Unlimited fills the gaps the other Ink cards don’t cover. The Ink Cash features 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services, and 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year, and the Ink Preferred earns 3x points on a bunch of complementary business categories, but both cards earn just 1 point per dollar on non-bonus spend. The Ink Business Unlimited steps into that void, providing a solid 1.5% cash back on all the business expenses that don’t fall under the bonus categories of the other Ink cards.

Feature Benefits

As a no annual fee rewards card, the Ink Business Unlimited doesn’t feature the long list of feature benefits of its more expensive business or consumer cousins. But it does feature perks that may come in handy if you don’t have coverage on another card.

  • Auto Rental Collision Damage Waiver – A standout feature of many Ultimate Rewards earning cards is that Auto Rental CDW is primary coverage, even when renting a car in the US, rather than secondary coverage offered on similar cards from Amex, Citi, and other providers. When you rent for business purposes, you can rest easy knowing that you're covered with primary CDW auto insurance.
  • Travel and Emergency Assistance Services – Help is just a phone call away when you're away from home, call your Benefits Administrator when you run into trouble, and they will connect you with the best medical/legal referrals available, or any other assistance you require.
  • Roadside Dispatch – A benefit few cardholders are aware of in most instances, Roadside Dispatch will connect you to a local roadside service company to help with tire changes, lockouts, fuel delivery, or a jump start.
  • Purchase Protection – Covering new purchases for up to 120 days from the day of purchase. Cardholders are covered up to $10K per claim ($50K per account) against damage or theft of newly purchased items.
  • Extended Warranty Protection – Extends new U.S. manufacturer's warranties for one extra year, on eligible warranties of three years or less.

Application Restrictions

When Chase dropped the press release announcing the Ink Business Unlimited, you could almost hear the collective groan of despair from all those folks sitting over 5/24. Like all of Chase’s in-house rewards cards, the Ink Business Unlimited is subject to Chase’s 5/24 policy, which restricts new card applications to applicants with less than five new card accounts opened in the previous 24 months. While the card is subject to 5/24, as a business credit card, it won’t count towards your 5/24 status. Don’t know if you’ll qualify for a business credit card? You may already be eligible and not know it!

Final Thoughts

Chase has listened to its customers on this card, supplying the perfect card to fill that non-bonus expenses gap and compete with The Blue Business® Plus Credit Card from American Express, which earns 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. While the earn rate is less on the Ink Business Unlimited, we rate Ultimate Rewards a little more valuable than Membership Rewards, and the fact there is no cap on earning points allows business owners to continue maximizing points on every purchase well past the cap imposed on the Blue Business Plus. Pair the Ink Business Unlimited with the Ink Cash and/or Ink Preferred, and you have a formidable Ultimate Rewards earning combo of cards for your business.

Ink Business Unlimited℠ Credit Card Review
5 (100%) 6 votes
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  • Michaelj1 says:

    No cap and 1.5 percent and 2.25 percent on travel when paired with the Chase Sapphire Reserve seems like a real winner?

  • This is exciting news for those under 5/24!

  • Paul Wilkinson says:

    Great card, but i was denied for “too much credit”. I don’t carry any debt. I suspect it was mostly too much credit with Chase as I have 5 personal cards with them and they don’t let you move around personal lines of credit to a business card.

    Oh well…looks like the Amex blue business plus card will pick up the business spend.

  • David Damsker says:

    How many cards do people really have? The 5/24 thing would seem easy to stay under, but I guess I haven’t hung out here long enough.

  • I wish Chase had a 2% card.

  • A opportunity for earning a great sign-up bonus, but after that this is likely a sock-drawer card for me. The Ink Cash will remain my go-to biz card for its 5x earning potential.

  • @Howie Agreed it’s an outstanding earn rate for un-bonused spend on biz cards, but holding the Freedom Unlimited card, and not *really* needing separate personal expenses, makes the InkU kind of redundant for ongoing spend.

  • deerseason says:

    Basically the same as the Freedom Unlimited but with a sign-up bonus. Not bad, not much of a keeper if you already have CFU.

    Speaking of which, looking to downgrade my Ink Preferred soon… can I downgrade that to another Freedom card? I already have 2, plus I’m an authorized user card from my wife.

  • arshi007 says:

    Chase has definitely made it very convincing for business users. This combined with the Ink Cash and the Ink Business Preferred would allow a business to always get 3% minimum return assuming you value UR at 2c (which is easily possible by transferring them to airline/hotel points thru Business Preferred)

  • Ahhh, if only I were under 5/24 🙁 sooooooooon

  • Christine says:

    Looks like the perfect compliment to the Ink Business Preferred card. Just a few more months until I become 4/24

  • Can I switch from business ink cash to this card, or do I need to reapply?

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