{"id":24009,"date":"2026-03-18T18:10:01","date_gmt":"2026-03-18T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=24009"},"modified":"2026-04-08T14:36:37","modified_gmt":"2026-04-08T14:36:37","slug":"ink-business-unlimited","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/","title":{"rendered":"Chase Ink Business Unlimited Credit Card Review: Solid Earnings With No Annual Fee"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">Part of the popular Ink Business family, the <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=2b283d34e8ebaad395e56015d03c928a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) 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.<\/p>\n<p data-pm-slice=\"1 1 []\">With a fixed-rate rewards structure and a generous sign-up bonus, small-business owners should seriously consider adding this card to their wallets.<\/p>\n<p>Here's what you need to know about the <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> to help you decide if it's right for your business.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048113\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=2b283d34e8ebaad395e56015d03c928a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening<\/li><li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li><li>No Annual Fee<\/li><li>Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards&#xAE;.<\/li><li>Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.<\/li><li>Round-the-clock monitoring for unusual credit card purchases<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>0% introductory APR for 12 months on purchases<\/li><li>Earn 5% total cash back on Lyft rides through 9\/30\/27.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-14500d029a#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Ink_Business_Unlimited_Pros\">Ink Business Unlimited Pros<\/a><\/li><li><a href=\"#Ink_Business_Unlimited_Cons\">Ink Business Unlimited Cons<\/a><\/li><li><a href=\"#Chase_Ink_Business_Unlimited_Welcome_Offer\">Chase Ink Business Unlimited Welcome Offer<\/a><\/li><li><a href=\"#Chase_Ink_Business_Unlimited_Benefits\">Chase Ink Business Unlimited Benefits<\/a><ul><li><a href=\"#Auto_rental_coverage\">Auto rental coverage<\/a><\/li><li><a href=\"#Purchase_protections\">Purchase protections<\/a><\/li><li><a href=\"#Extended_warranty_protection\">Extended warranty protection<\/a><\/li><li><a href=\"#Employee_cards_at_no_additional_cost\">Employee cards at no additional cost<\/a><\/li><\/ul><\/li><li><a href=\"#Chase_Ink_Business_Unlimited_Earning_Rates\">Chase Ink Business Unlimited Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Chase_Ink_Business_Unlimited\">Redeeming Points With the Chase Ink Business Unlimited<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Alternative_Business_Cards_to_the_Ink_Unlimited\">Alternative Business Cards to the Ink Unlimited<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Ink_Business_Unlimited_Pros\">Ink Business Unlimited Pros<\/span><\/h2>\n<ul>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;c71c1f97-e360-4ee9-a0a9-af93b81c0849&quot;},&quot;listItem&quot;,{}]\">Flat, unlimited cash back rewards<\/li>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;c71c1f97-e360-4ee9-a0a9-af93b81c0849&quot;},&quot;listItem&quot;,{}]\">No annual fee<\/li>\n<li>Regularly offers a 0% introductory APR<\/li>\n<li>Points can be combined with other cards that earn Ultimate Rewards<\/li>\n<\/ul>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Ink_Business_Unlimited_Cons\">Ink Business Unlimited Cons<\/span><\/h2>\n<ul>\n<li>No bonus categories<\/li>\n<li>Can't transfer to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase Ultimate Rewards transfer partners<\/a> on its own<\/li>\n<li>Has foreign transaction fees \u2014 3% of each transaction in U.S. dollars<\/li>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;a169d763-664b-477a-b7a8-996a2a6ec4d4&quot;},&quot;listItem&quot;,{}]\">Limited travel benefits<\/li>\n<\/ul>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Chase_Ink_Business_Unlimited_Welcome_Offer\">Chase Ink Business Unlimited Welcome Offer<\/span><\/h2>\n<p>New cardholders of the <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> 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\u00a0points.<\/p>\n<p>You <em>can<\/em> use these points as cash back on your credit card statement at a value of 1\u00a2 per point. However, your best option is to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">combine them with points from another Chase card<\/a> 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.<\/p>\n<p>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%.<\/p>\n<figure id=\"attachment_129707\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-129707 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Robert-Bye-Unsplash-coffee-shop-featured-300x240.jpg\" alt=\"Use your Chase Ink Business Unlimited at a coffee shop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Robert-Bye-Unsplash-coffee-shop-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Robert-Bye-Unsplash-coffee-shop-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Robert-Bye-Unsplash-coffee-shop-featured-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Robert-Bye-Unsplash-coffee-shop-featured.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Robert Bye\/Unsplash<\/em><\/enter><\/figure>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Chase_Ink_Business_Unlimited_Benefits\">Chase Ink Business Unlimited Benefits<\/span><\/h2>\n<p>The <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> doesn't feature as many benefits as some other cards from the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-ink-business-card\/\" rel=\"noopener\">Ink Business family<\/a>. 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:<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Auto_rental_coverage\">Auto rental coverage<\/span><\/h3>\n<p>A travel reward of many Ultimate Rewards-earning cards is the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/rental-car-insurance\/\" rel=\"noopener\">primary Auto Rental Coverage<\/a>. That stands out from the secondary coverage offered on similar cards from American Express, Citi, and other providers.<\/p>\n<p>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\u2019ll 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.<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Purchase_protections\">Purchase protections<\/span><\/h3>\n<p><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protections<\/a> 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 <span data-color=\"rgb(255, 245, 245)\">held responsible <\/span>against damage or theft of newly purchased items.<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Extended_warranty_protection\">Extended warranty protection<\/span><\/h3>\n<p data-pm-slice=\"1 1 []\">The <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/extended-warranty\/\" rel=\"noopener\">extended warranty benefit<\/a> 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.<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Employee_cards_at_no_additional_cost\">Employee cards at no additional cost<\/span><\/h3>\n<p>The <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> 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 <span data-color=\"rgb(255, 245, 245)\">unusual credit card purchases &#8212; all while <\/span>still earning cash back on every expense.<\/p>\n<figure id=\"attachment_115640\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-115640 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-300x240.png\" alt=\"a customer pays by credit card at a coffee shop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Clay Banks\/Unsplash<\/em><\/enter><\/figure>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Chase_Ink_Business_Unlimited_Earning_Rates\">Chase Ink Business Unlimited Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> 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 <strong>September 2027<\/strong>, you'll also earn <a target=\"_blank\" href=\"\/credit-cards\/cardholder-lyft-benefits\/\" rel=\"noopener\">5% back on Lyft rides<\/a>.<\/p>\n<p data-pm-slice=\"1 1 []\">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.<\/p>\n<p>The <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> 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 &#8220;other&#8221; purchases. But, you can boost that to 1.5% by using this card, with no annual limit.<\/p>\n<p data-pm-slice=\"1 1 []\">Have in mind that some types of transactions won't earn points: balance transfers, cash advances, and other cash-like transactions.<\/p>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Redeeming_Points_With_the_Chase_Ink_Business_Unlimited\">Redeeming Points With the Chase Ink Business Unlimited<\/span><\/h2>\n<p data-pm-slice=\"1 1 []\">As a standalone card, points earned from the Ink Business Unlimited Credit Card can be redeemed for 1\u00a2 each as cash back via a statement credit. Alternatively, they can be redeemed for travel through Chase Travel\u2120, and can also be used to purchase gift cards and redeemed for Apple products.<\/p>\n<p data-pm-slice=\"1 1 []\">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 <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0c5d5dd0a5a34d584d3706058d85a7c98&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=03727a3469a686840e32fc027149eea7f&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), and <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a>, which have the potential to double or even triple your value.<\/p>\n<p data-pm-slice=\"1 1 []\"><div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=03727a3469a686840e32fc027149eea7f&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0c5d5dd0a5a34d584d3706058d85a7c98&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/42f36a84-370d-4140-94a9-87f97a0dde86.png\" width=\"150\" alt=\"Sapphire Reserve for Business\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Sapphire Reserve for Business\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Sapphire Reserve for Business\u2120' data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=2f74dd23a97bb4b2bbd4afb5bec3072c&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8X points on all Chase Travel\u2120 purchases<\/li>\r\n<li>5X total points on eligible Lyft rides through 9\/30\/2027<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on advertising purchases made with social media platforms and search engines<\/li>\r\n<li>1 point per dollar on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Like all of Chase\u2019s rewards cards, the Ink Unlimited is subject to <a target=\"_blank\" href=\"\/credit-cards\/how-to-check-5-24-status\/\" rel=\"noopener\">Chase\u2019s 5\/24 policy<\/a>. This policy prevents applicants from being approved for a Chase card if they've opened five or more cards from <em>any bank<\/em> in the last 24 months. Even though approval is subject to 5\/24, the Ink Unlimited won\u2019t add to your 5\/24 count &#8212; as it's a business card that isn't reported to your personal credit report.<\/p>\n<p>Other\u00a0<a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">credit card application restrictions<\/a> 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.<\/p>\n<p>Don\u2019t know if you\u2019ll 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.<\/p>\n<figure id=\"attachment_180813\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-180813 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen.jpeg\" alt=\"A young man holds a credit card in his left hand while smiling and looking at a laptop screen.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: dianagrystku\/Adobe Stock<\/em><\/enter><\/figure>\n<h2><span id=\"Alternative_Business_Cards_to_the_Ink_Unlimited\">Alternative Business Cards to the Ink Unlimited<\/span><\/h2>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">best business credit card<\/a> 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 <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> isn't right for you:<\/p>\n<ul>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;1de2ee41-1f35-42c7-b4fe-2da8e416f1c9&quot;},&quot;listItem&quot;,{}]\"><strong>If you want a card that earns points in specific categories<\/strong>, consider the <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a>. 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.<\/li>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;1de2ee41-1f35-42c7-b4fe-2da8e416f1c9&quot;},&quot;listItem&quot;,{}]\"><strong>If you don't qualify due to Chase's 5\/24 rule<\/strong>, the <a data-ccid=\"3006153\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/spark-cash-select\/\">Capital One Spark Cash Select<\/a> 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.<\/li>\n<li data-pm-slice=\"1 1 [&quot;bulletList&quot;,{&quot;id&quot;:&quot;1de2ee41-1f35-42c7-b4fe-2da8e416f1c9&quot;},&quot;listItem&quot;,{}]\"><strong>If you want a card that earns a higher rate across the board<\/strong>, the <a data-ccid=\"4028098\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">Blue Business Plus<\/a> offers 2x  on the first $50,000 of annual purchases, then 1x after that. The card also has a $0 annual fee  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) 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%.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=ce8c2802318fc49dbafceaf908b6d32a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>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<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash Select\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash Select<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006153\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Select' href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>1.5% cashback on every purchase<\/li>\r\n<li>5% cash back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>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.<\/li><\/ul><\/div><\/div><\/div>\n<h2 data-pm-slice=\"1 1 []\"><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>With a great welcome offer and no annual fee, the <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> 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.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048113\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=2b283d34e8ebaad395e56015d03c928a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening<\/li><li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li><li>No Annual Fee<\/li><li>Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards&#xAE;.<\/li><li>Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.<\/li><li>Round-the-clock monitoring for unusual credit card purchases<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>0% introductory APR for 12 months on purchases<\/li><li>Earn 5% total cash back on Lyft rides through 9\/30\/27.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-14500d029a#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ink Business Unlimited\u00ae Credit Card has no annual fee and strong earnings across the board. It can stand alone for businesses that want simple rewards, or it can form part of a credit card combo to maximize earnings. Here&#8217;s everything you need to know about this card.<\/p>\n","protected":false},"author":70,"featured_media":129707,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12657,12620,12786,12709],"coauthors":[36392,36412],"class_list":["post-24009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-business","tag-card-reviews","tag-chase","tag-chase-ultimate-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24009","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=24009"}],"version-history":[{"count":71,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24009\/revisions"}],"predecessor-version":[{"id":252395,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24009\/revisions\/252395"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/129707"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=24009"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=24009"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=24009"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=24009"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}