3 Reasons Why the Ink Business Unlimited Is a Perfect First Business Credit Card

Starting a new business brings both excitement and challenges. However, one of the greatest perks is the opportunity to apply for a business credit card. Not only will it help you keep personal and business finances separate, but you’ll also get the unique opportunity to earn a generous amount of rewards.

One of our top no-annual-fee business card picks, the Ink Business Unlimited^® Credit Card, now comes with an enhanced welcome bonus offer for new applicants. Here’s why it’s the ideal time to apply, and the standout features make it an ideal choice for your first business 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.

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.

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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.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Bonus Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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 17.74% - 23.74% thereafter

Pros & Cons

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

Cons

• 3% foreign transaction fee

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Card Highlights

• 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

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

1. The Welcome Bonus Offer for the Ink Business Unlimited Card

Welcome offers are a generous opportunity to earn a huge pot of points and miles at once. Right now, the current welcome offer for the Ink Business Unlimited card is: Earn $750 cash back after spending $6,000 on purchases in the first 3 months. Paired with the right Chase credit card, that cash-back can be converted 1:1 into valuable Ultimate Rewards points that can be used for travel.

Compare that to other welcome bonus offers on competing no-annual-fee business cards from American Express and Capital One:

• The Blue Business^® Plus Credit Card from American Express: Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. (rates & fees)
• The American Express Blue Business Cash™ Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. (rates & fees)
• Capital One Spark Cash Select*×Information collected independently. Not reviewed by Capital One.: Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.

2. Excellent Rewards and Benefits

Beyond its welcome bonus offer, the Ink Business Unlimited card comes with great earning potential and useful benefits:

• Earn 5% cash-back on Lyft purchases (through March 2025) and 1.5% cash-back on all other eligible purchases
• Add employee cards for no annual fee
• 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
• Primary rental car coverage for business purposes: Keeps your rental car covered for theft and damage in the U.S. and most countries.
• Purchase protection: Covers new purchases for up to 120 days against damage or theft, with a maximum of up to $10,000 per claim and $50,000 per account.
• Extended warranty protection: Extends the period of a U.S. manufacturer’s warranty by an additional year, on eligible policies for 3 years or less.

3. The Ink Business Unlimited Card Is Issued by Chase

Whether you have a side hustle outside of your 9-5 or are building your business from the ground up, the last thing you need is to accrue more expenses. The $0 annual fee on the Ink Business Unlimited card makes it a no-brainer as a first-time business card.

Since the Ink Business Unlimited card is issued by Chase, it’s the perfect pairing with other popular credit cards you might already have in your wallet. You can easily combine Ultimate Rewards points online from the Chase Sapphire Reserve^®, Chase Sapphire Preferred^® Card, Ink Business Preferred^® Credit Card, or even cash-back rewards on cards like the Chase Freedom Unlimited^® or the Chase Freedom Flex^®.

For example, if you have the Chase Sapphire Preferred card, you can continue to use it for personal expenses. You can then use the Ink Business Unlimited card to pay for business expenses and earn 1.5% in cash-back rewards no matter the purchase. In addition, it’s important to keep business and personal finances separate. You’ll thank yourself during the tax filing season by applying for a business credit card to avoid any headaches regarding deductions.

Final Thoughts

Chase offers a reputable lineup of business credit cards, but one in particular stands out from the rest. The Ink Business Unlimited card comes with a huge welcome offer, 1.5% back in rewards, and with a $0 annual fee, you can’t go wrong.