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The Ink Business Unlimited® Credit Card currently features a valuable welcome bonus and earns unlimited 1.5% cash back on every purchase. It's part of a suite of Ink Business cards and is one of two Ink cards that has no annual fee. Because of its straightforward earning, it's a great option for everyday spending for small business owners.
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
- Member FDIC
- Rates & Fees
- Earn unlimited 1.5% cash back on every purchase made for your business
Page Contents
Chase Ink Unlimited Pros
- All spending earns a flat 1.5% cash back
- No annual fee
- Regularly offers a 0% introductory APR
- Points can be combined with other cards that earn Ultimate Rewards
Chase Ink Unlimited Cons
- No bonus categories
- Can't transfer to Chase Ultimate Rewards travel partners on its own
- No travel protections
- Has foreign transaction fees — 3% of each transaction in U.S. dollars
Ink 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 17.49% - 23.49%.
Ink Unlimited Benefits
As a no-annual-fee rewards card, the Ink Unlimited doesn’t feature as many benefits as some other cards. However, it does offer some perks that are useful if you don't have them through another card.
Auto Rental Collision Damage Waiver (CDW)
A standout feature of many Ultimate Rewards-earning cards is the primary coverage Auto Rental CDW. This differs 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. Simply pay for the rental with your card and decline the rental agency's coverage.
Travel and emergency assistance services
When you're away from home, help is just a phone call away. If you run into trouble, call the Benefits Administrator at 888-320-9961 and be connected with medical or legal referrals, as well as other types of emergency help. While it's a free service to be connected, note that you're responsible for any fees incurred from their services.
Roadside dispatch
A benefit few cardholders are aware of is roadside dispatch, which will connect you to a local roadside service company to help with tire changes, lockouts, fuel delivery, or a jump start. Call 800-847-2869 to use this benefit; note that you'll pay for any services received.
Baggage delay insurance
You can be reimbursed for necessary expenses while waiting for delayed luggage. This delayed baggage coverage applies to trips paid for with your card.
Purchase protection
Purchase protection on this card covers 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, 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.
Save on business purchases with Visa SavingsEdge
The Visa SavingsEdge program is a very simple and easy-to-enroll program offering two savings types for those who own a Visa business card: Everyday Savings and Instant Savings.
Everyday Savings simply requires you to enroll to receive discounts from participating merchants such as Microsoft, Wyndham Hotel Group, and MGM Grand Las Vegas. Instant Savings does not require you to enroll and will allow you to save on merchants such as Dell Technologies, HP, and Avis. A majority of savings will range from 2%–5%, with the occasional 10% outlier.
Ink 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.
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.
- The Ink Business Cash® Credit Card(Rates & Fees) 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.
- The Ink Business Preferred® Credit Card(Rates & Fees) earns 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
Unfortunately, both of these cards earn just one point per dollar on purchases outside the bonus categories. Luckily, the Ink Unlimited steps into that void, providing a solid 1.5% cash back on all purchases with no annual limit.
Related: Comparing Chase Ink Business Cards
Redeeming Points With the Chase Ink Unlimited
As a standalone card, points earned from the Ink Unlimited 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 one of the following cards. These cards allow you to combine points and transfer to travel partners, which has the potential to double or even triple your value.
- Ink Business Preferred® Credit Card
- Chase Sapphire Reserve®(Rates & Fees)
- Chase Sapphire Preferred® Card(Rates & Fees)
Application Restrictions
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 status.
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.
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.
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 alternatives to consider if you decide that the Ink Unlimited isn't right for you:
- If you want a card that earns flexible points, consider the Ink Preferred. It's currently offering a 90,000-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. Our full Ink Preferred review has more details.
- 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 earn 1.5% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site. See our Spark Cash Select review for more information.
- If you want a card that earns 2x across the board, The Blue Business® Plus Credit Card from American Express 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 17.49% - 27.49%. Learn more in our Blue Business Plus review.
- 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
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
(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 businesses. 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
- Member FDIC
- Rates & Fees
- 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), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), and The Blue Business® Plus Credit Card from American Express (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
