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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...
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’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...
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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.
0% intro APR on purchases for 12 months; variable 17.99% - 23.99% 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.
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 17.99% - 23.99% thereafter
Card Snapshot
Welcome Bonus & Info
Earn $900 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.
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have 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.
” System
1084+ Expert Credit Card Guides
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 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
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!
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.
The Capital One Spark Cash Plus cardInformation collected independently. Not reviewed by Capital One. 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:
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)
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.
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