Edited by: Stella Shon
& Keri Stooksbury
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The Ink Business Unlimited® Credit Card is one of our favorite Chase business credit cards thanks to its uncapped 1.5% cash-back on all purchases, excellent welcome bonus offer, the ability to combine your rewards with other eligible Chase cards, $0 annual fee, and more.
If the Ink Business Unlimited card sounds like a good fit for you, you might wonder how difficult it is to get approved and how you can increase your likelihood of being approved. This guide will help you answer all of those questions and more.
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.
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
To get a baseline of your approval odds, you’ll first want to determine your credit score. If you’re not sure what your credit score is, you can access a free credit report from your current credit issuer (if you have one), from any of 3 credit bureaus (TransUnion, Equifax, and Experian), or through a free monitoring service like Credit Karma.
Since the Ink Business Unlimited card is a business card, you may be applying for the card using an Employer Identification Number (EIN) — though this isn’t required. When you input your EIN on the application, your business credit score will also be checked.
While personal credit scores are scaled from 300 to 850, your business credit score is usually scored on a scale of 1 to 100, though this can vary based on the reporting agency. That said, while your personal and business credit scores are 2 different numbers, they serve the same purpose. The higher your score, the more likely you will be approved for new cards.
If you’re considering applying for the Ink Business Unlimited card, it’s recommended to have a personal credit score of at least 670 or higher — or a business credit score of at least 75 to maximize your chances of approval.
That said, no set credit score guarantees approval for the Ink Business Unlimited card. Additionally, your credit score is just 1 factor considered in your application.
Your income can play a role in whether or not you’ll be approved for the Ink Business Unlimited card. After all, Chase wants to ensure you can pay off any charges you make with the card.
However, if you have a low business income or are just starting your business, you can still qualify for the Ink Business Unlimited card.
When applying for a new card, credit issuers prefer you to have multiple years of clean credit history that’s free of late payments and derogatory marks.
If you are just starting your credit journey, this aspect can be frustrating as there is no remedy for it other than waiting for time to pass. If you happen to be denied for this reason, don’t take it personally; you can always try again later when your credit history is longer and stronger.
We recommend that you have at least 2 years or more of clean credit history before applying for the Ink Business Unlimited card.
If your credit score isn’t high enough for the Ink Business Unlimited card, there are several ways to improve your credit score.
For those who have never had a credit card at all or whose credit score is far below average, getting approved for most credit cards will be difficult.
In these cases, opening a secured credit card, a student credit card, or a credit card without a large limit can be a good option. Secured credit cards require a deposit, usually the amount of your credit limit, that you’ll forfeit if you do not pay your balance on time.
If you use these credit cards responsibly and always make your payments on time, you will start seeing improvement in your credit score month by month.
One shortcut of sorts is to get added as an authorized user by a trusted family member or friend who has good to excellent credit. This shows that someone else trusts you with their credit and can help lower your credit utilization, improve your payment history, and increase the average age of your accounts.
That said, be very careful about who you choose to be an authorized user cardholder for. Your score can decrease if that person doesn’t manage their credit well.
If your credit score isn’t where you want it to be and items on your credit report appear inaccurate, getting these errors removed can provide a significant boost to your score. This is why monitoring your credit is vitally important. If you see anything suspicious or inaccurate, dispute the credit error as soon as possible.
There is plenty to love about the Ink Business Unlimited card, and it is not hard to see why many business owners would want the card to be part of their wallet.
If you have a good annual income (either personally or from your business), a strong credit score, and a couple of years worth of clean credit history, you stand a high chance of being approved for the Ink Business Unlimited card!
Generally speaking, getting approved for the Ink Business Unlimited card is not very difficult, provided you have a good to excellent credit score and a clean credit history.
No set credit score will guarantee that you will be approved for the Ink Business Unlimited card. However, if your personal credit score is 670 or higher, and your business credit score is 75 or higher, this will increase your likelihoods of approval.
No, the Ink Business Unlimited card does not have an annual fee.
No, you can apply for the Ink Business Unlimited card with just your Social Security number if you apply as a sole proprietor.
Business owners of all sizes can apply for the Ink Business Unlimited card, such as those who run a business part-time, those doing gig economy work like driving for Uber or DoorDash, freelancers, resellers, and much more.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.