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Ink Business Unlimited Credit Card — Full Review [2024]

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Jarrod West
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Jarrod West

Senior Content Contributor

442 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon
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Stella Shon

News Managing Editor

94 Published Articles 669 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez
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Kellie Jez

Director of Operations & Compliance

6 Published Articles 1178 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.5
  • $750

  • $0

  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

  • Good to Excellent (670-850)

Ink Business Unlimited® Credit Card

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.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.5

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.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Card Snapshot

Welcome Bonus & Info

  • 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

Customer Service Number

800-935-9935 (Available 24/7)

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee

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® Credit Card — Is It Worth It?

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.

Upgraded Points’ very own Stella Shon, compliance editor and content contributor, had this to say about her Ink Business Unlimited card:

“As a business owner of my freelance writing and editing services, I know it’s important to separate my personal and business expenses. The Ink Business Unlimited card from Chase is now my staple card since it earns 1.5% on all purchases, helping me pick up bonus points on purchases outside of normal spending categories — whether it’s paying for a WordPress site for my writing portfolio or attending personal finance and travel conferences.”

Stella Shon, Upgraded Points’ compliance editor and content contributor

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% cash-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 InsurancePrimary 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

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, such as the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or 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’s 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 an $150 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:


UP’s Card Review Methodology

Every card we review is assigned a “U.P. Rating” – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.

These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:

  • Bonus categories
  • Benefits and perks
  • Quality of associated loyalty programs
  • Annual fees and other costs
  • Size of the welcome bonus (and relative to the annual fee)
  • And several more

You can learn more about how Upgraded Points reviews and rates 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.

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 it’s likely 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, including travel purchases, gift 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, Chase Sapphire Reserve card, or 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.

Read our guide to the Ink Business Unlimited credit score requirements for more information.

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.

Which is better, the Ink Business Unlimited card or the Ink Business Cash 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 no 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.

What credit score do you need for the Ink Business Unlimited card?

The higher your credit score, the better your approval odds will be for the Ink Business Unlimited card. While there is no credit score that will guarantee your approval for the Ink Business Unlimited card, ideally you would want to have a credit score of 670 or higher.

What are the requirements for the Ink Business Unlimited card?

In order to apply for the Ink Business Unlimited card you must:

  • Be at least 18 years old
  • Have a physical U.S. address
  • Social Security number or ITIN

How do I increase the credit limit on my Ink Business Unlimited card?

You can call the Chase customer service number on the back of your Ink Business Unlimited card to request a credit limit increase every 6 months.

Does the Ink Business Unlimited card have foreign transaction fees?

Yes, the Ink Business Unlimited card charges a 3% foreign transaction fee. Given that, you’ll want to use another card option for your overseas purchases.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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