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Ink Business Unlimited Credit Card — Full Review [2023]

Name: Ink Business Unlimited Credit Card — Full Review [2023]
Item: Ink Business Unlimited Credit Card
Rating: 4.5
Author: Jarrod West

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"Unlimited 1.5% Cash-Back for Business Owners"

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More (at Chase's secure site)

Jarrod West

- Updated: March 21, 2023, 2:08pm CDT

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Read on to see if this card is a good fit for you and your business.

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.74% – 23.74% thereafter
Employee cards at no additional cost
Earn flexible rewards

Cons

3% foreign transaction fee

Ink Business Unlimited - Card Snapshot

Welcome Bonus & Info (Partner Content)
- 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
Card Categories:
Rewards Center
- Chase Ultimate Rewards
Customer Service Number
800-935-9935 (Available 24/7)
Login Link
http://www.chase.com
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Great Card If

You want a simple rewards structure
You want to earn flexible points
You want a no annual fee card

Don't Get If

You want a card that offers travel benefits and perks
You do a lot of international business and need a card without foreign transaction fees
You want a card that offers more bonus categories

Ink Business Unlimited - Card Fees

Annual Fee
- $0
Foreign Transaction Fees
3% of each transaction in U.S. dollars
Interest Rates
- 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
Late fees
- Penalty APR: Up to 29.99% variable
Balance Transfers
- 17.74% - 23.74% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR
- 29.49% Variable
- Fee: Either $15 or 5% of the amount of each transaction, whichever is greater

Ink Business Unlimited Card - Is It Worth It?

Chase Ink Business Unlimited Upgraded Points LLC — Image Credit: Upgraded Points

The Ink Business Unlimited card is perfect for business owners who want a simple earning structure and are not interested in paying a credit card annual fee. With 1.5% cash-back on all purchases — regardless of the category — with no caps and no annual fee, business owners looking for simplicity will love the card.

Most people think that small business credit cards are limited to business owners with a physical business location, or even an LLC, but that is not the case! If your business operates online-only, or if you provide freelance services, resell products, or anything in between, you likely are eligible for the Ink Business Unlimited card.

Ink Business Unlimited Card Top Benefits

No-Additional-Cost Employee Cards

Do you have multiple employees that need to make business purchases? The Ink Business Unlimited card allows you to add them as cardholders for no additional fee. Plus, you’ll still earn 1.5% back on all of their purchases!

Travel and Purchase Coverage

The Ink Business Unlimited card keeps your purchases covered with the following protections:

Rental Car Insurance: Primary coverage (for business and personal use worldwide and business use within your country of residence) that keeps you covered in the case of theft or damage to your rental car
Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Extended Warranty Coverage: Extend the warranty of your purchased items by 1 additional year if the standard warranty is 3 years or less

Best Ways To Earn and Redeem Your Chase Ultimate Rewards Points

Business Owner Thinking — Cash-back earned on your business expenses can add up with the Ink Business Unlimited card. Image Credit: Dragon Images via Shutterstock

The cash-back earned with your Ink Business Unlimited card comes in the form of Chase Ultimate Rewards points, and while the card is great at earning these points, there are many other great ways to earn lots of Chase Ultimate Rewards points!

While you could redeem all of the points you earn for cash-back, our favorite way to redeem Chase Ultimate Rewards points is to transfer them to the Chase transfer partners. However, doing this requires you to pair your Ink Business Unlimited card with a card that has transfer abilities, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card.

But those who combine these cards will find that it unlocks a whole new world of great ways to redeem your Chase Ultimate Rewards points.

Alternative Cards to the Ink Business Unlimited Card

American Express Blue Business Cash™ Card

The Amex Blue Business Cash card beats out the Ink Business Unlimited card in terms of cash-back rate by offering 2% cash-back compared to 1.5% cash-back.

However, the Amex Blue Business Cash card 2% rate is limited to $50,000 in purchases each year, whereas the Ink Business Unlimited card is uncapped.

Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card also offers 2% cash-back on all purchases with no limits on the amount of cash-back you can earn. The card does charge a $95 annual fee, though, and you’re limited to cash-back redemptions, unlike cards that earn flexible rewards.

We’ve also compared the Ink Business Unlimited card to other popular credit cards:

The information regarding the Capital One Spark Cash Plus card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express Blue Business Cash™ Card, click here.

Featured Image Credit: Chase

Frequently asked questions

Is the Ink Business Unlimited card a good card?

Yes, it’s a great card for those wanting a cash-back business credit card with no annual fee and a flexible rewards structure.

Does the Ink Business Unlimited card charge an annual fee?

No, the card does not charge cardholders an annual fee.

Does the Chase 5/24 rule apply to the Ink Business Unlimited card?

Yes, the card is subject to Chase’s 5/24 rule, so you will not be approved for the card if you’ve opened 5 or more new credit card accounts in the last 24 months.

Is the Ink Business Unlimited card a cash-back card?

While the card is technically a cash-back card, your rewards are earned in the form of Chase Ultimate Rewards points. Ultimate Rewards points can be redeemed in a number of ways, like towards travel purchases, gifts cards, and, of course, cash-back.

Does the Ink Business Unlimited card have travel transfer partners?

No, the only way that you will be able to access Chase travel transfer partners is through the Ink Business Preferred card, the Chase Sapphire Reserve card, or the Chase Sapphire Preferred card.

What are the approval odds of the Ink Business Unlimited card?

While there are no set approval odds for the card, the odds of your application being improved will increase if your business has high revenue, you’ve been in business for multiple years, you have a high credit score, and you’re under the Chase 5/24 limit.

If your business is relatively new and you don’t have much revenue yet, you can still be approved for the card if you have a strong credit score and are under the Chase 5/24 limit.

On the other hand, if you currently have a low credit score, or have opened more than 5 new credit cards in the last 24 months, then it is very unlikely that you will be approved for it.

What is the credit limit of the Ink Business Unlimited card?

If your application is approved, the smallest credit limit that you can be approved for is $3,000. With that said, your credit limit could end up being much higher based on your business’s annual revenue, your credit score, and other credit factors like your repayment history.

If Chase has already extended a large amount of credit to you, relative to your income, across any other business and/or personal credit cards, they might take that into account when deciding on your new credit limit.

Which is better between the Ink Business Unlimited card vs the Ink Business Cash® Credit Card?

Neither card is really categorically better than the other. But one card might be a much better fit for your situation based on your business needs.

Both cards are nearly identical when it comes to their $0 annual fee, redemption options, purchase protections, and business benefits.

What really separates the 2 is their respective earning categories: the Ink Business Cash card earns 5% back at office supply stores and on internet, cable, and phone services, plus 2% back at restaurants and gas stations, and the Ink Business Unlimited card earns a flat 1.5% back on all purchases — regardless of what category they fall in.

So if your business spends a lot of money at office supply stores, on internet, phone, and cable services, or even gas and restaurants, then the Ink Business Cash card would probably be a better fit. If your business expenses are more diverse and not concentrated in any particular category, then you should probably look for another card option.

For more information, read our in-depth comparison post on the Ink Business Cash card vs. the Ink Business Unlimited card.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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