Ink Business Unlimited℠ credit card review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 20.99% (Variable) (0% for the first 12 months)
Balance Transfer
14.99% ‐ 20.99% (Variable) (0% for the first 12 months)
Rewards
1.5% cashback
Signup Bonus
$500 after spending $3,000


8.6/10
Informr score
The Ink Business Unlimited℠ credit card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Ink Business Unlimited℠ credit card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Points Guy

One of the best business cards with no annual fee because it earns 1.5% back on every purchase. The card also currently has a $500 cash bonus you can earn after you spend $3,000 in the first three months of opening your account.

- Jason Stauffer, The Points Guy
Business Insider

The Ink Business Unlimited is a great option for business owners who want to keep their rewards simple. It has a flat cash-back rate of 1.5% on all purchases, and if you decide to dip your toe into travel rewards, you can pair it with another Chase card to start redeeming Ultimate Rewards points. I...

- Gina Zakaria, Business Insider
The Balance

Offers small-business owners easy cash back on their purchases with no annual fee. The generous sign-up bonus and introductory interest rate make the mediocre rewards rate more palatable, especially if you like the convenience of flexible redemption options.

- Dawn Papandrea, The Balance
Money Crashers

A straightforward cash back card for business owners. If you’re looking for a business card that pays a flat rate on all business purchases and allows easy point transfers to premium Chase cards with elevated rates on travel redemptions and 1-to-1 point transfer privileges, Unlimited is a great choi...

- Brian Martucci, Money Crashers
CreditCards.com

Business owners who simply want to “set it and forget it” will likely enjoy earning unlimited 1.5 percent cash back with the new Chase Ink Business Unlimited card.

- Robin Ratcliff, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 14.99% ‐ 20.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 20.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $500 after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

Roadside Dispatch

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Points Guy

Its simple rewards structure is more valuable than it looks

from The Points Guy

One of the best business cards with no annual fee because it earns 1.5% back on every purchase. The card also currently has a $500 cash bonus you can earn after you spend $3,000 in the first three months of opening your account.

Read full review

One of the best business cards with no annual fee because it earns 1.5% back on every purchase. The card also currently has a $500 cash bonus you can earn after you spend $3,000 in the first three months of opening your account.

Read full review

Less

Business Insider

Perfect for small-business owners who want to earn both cash back and travel rewards

from Business Insider

The Ink Business Unlimited is a great option for business owners who want to keep their rewards simple. It has a flat cash-back rate of 1.5% on all purchases, and if you decide to dip your toe into travel rewards, you can pair it with another Chase card to start redeeming Ultimate Rewards points....More

The Ink Business Unlimited is a great option for business owners who want to keep their rewards simple. It has a flat cash-back rate of 1.5% on all purchases, and if you decide to dip your toe into travel rewards, you can pair it with another Chase card to start redeeming Ultimate Rewards points. I personally have this card and have found it to be greatly valuable in separating and organizing my business finances for tax and accounting purposes. Plus, the bonus cash back has made a difference in my cash flow. It's like getting a discount on everything you buy for your business, without an annual fee.

Read full review

Less

The Balance

Nice sign-up bonus and redemption options

from The Balance

Offers small-business owners easy cash back on their purchases with no annual fee. The generous sign-up bonus and introductory interest rate make the mediocre rewards rate more palatable, especially if you like the convenience of flexible redemption options.

Read full review

Offers small-business owners easy cash back on their purchases with no annual fee. The generous sign-up bonus and introductory interest rate make the mediocre rewards rate more palatable, especially if you like the convenience of flexible redemption options.

Read full review

Less

Money Crashers

A bit light on value-added benefits

from Money Crashers

A straightforward cash back card for business owners. If you’re looking for a business card that pays a flat rate on all business purchases and allows easy point transfers to premium Chase cards with elevated rates on travel redemptions and 1-to-1 point transfer privileges, Unlimited is a great choice.

Read full review

A straightforward cash back card for business owners. If you’re looking for a business card that pays a flat rate on all business purchases and allows easy point transfers to premium Chase cards with elevated rates on travel redemptions and 1-to-1 point transfer privileges, Unlimited is a great choice.

Read full review

Less

CreditCards.com

Simple cash back scheme

from CreditCards.com

Business owners who simply want to “set it and forget it” will likely enjoy earning unlimited 1.5 percent cash back with the new Chase Ink Business Unlimited card.

Read full review

Business owners who simply want to “set it and forget it” will likely enjoy earning unlimited 1.5 percent cash back with the new Chase Ink Business Unlimited card.

Read full review

Less

CreditDonkey

Excellent 1.5% cash back credit card for business

from CreditDonkey

This card is a great choice for small businesses looking for a no-annual-fee card. We love that Chase has made this option for small businesses with varied spending. Not all businesses spend heavily on telecom services, office supplies, travel, etc., so it's great that other types of businesses have an option now too.

Read full review

This card is a great choice for small businesses looking for a no-annual-fee card. We love that Chase has made this option for small businesses with varied spending. Not all businesses spend heavily on telecom services, office supplies, travel, etc., so it's great that other types of businesses have an option now too.

Read full review

Less

The Simple Dollar

This no-fee Chase Business card is unreal

from The Simple Dollar

The New Ink Business Unlimited Credit Card is hard to beat if you want to earn a flat rate of rewards without much work. And since it doesn’t charge an annual fee, this card is a no-brainer if you want to earn cash-back without a lot of work. Still, there are plenty of other business cards out there to consider.

Read full review

The New Ink Business Unlimited Credit Card is hard to beat if you want to earn a flat rate of rewards without much work. And since it doesn’t charge an annual fee, this card is a no-brainer if you want to earn cash-back without a lot of work. Still, there are plenty of other business cards out there to consider.

Read full review

Less

Finder

Simple rewards plan

Offers a generous signup bonus and an unlimited 1.50 points per dollar spent on all purchases. On its own, this card can be useful to small businesses that spend on various categories. But pair it with another Ultimate Rewards card and you’ll start earning some serious points.

Read full review

Offers a generous signup bonus and an unlimited 1.50 points per dollar spent on all purchases. On its own, this card can be useful to small businesses that spend on various categories. But pair it with another Ultimate Rewards card and you’ll start earning some serious points.

Read full review

Less

One Mile at a Time

Chase is really killing it lately with their card portfolio

from One Mile at a Time

The new Ink Business Unlimited Credit Card is an excellent addition to the Ink portfolio. If you’re using the card correctly, it offers one of the best returns on non-bonused spend for any business card. When you factor in the welcome bonus, the return on spend, and the good perks, I think this card is worth serious consideration.

Read full review

The new Ink Business Unlimited Credit Card is an excellent addition to the Ink portfolio. If you’re using the card correctly, it offers one of the best returns on non-bonused spend for any business card. When you factor in the welcome bonus, the return on spend, and the good perks, I think this card is worth serious consideration.

Read full review

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Credit Cards Explained

Generous signup bonus, easy to understand reward program

from Credit Cards Explained

If you’re looking for an easy to use business credit card, the Chase Ink Business Unlimited Credit Card is a great option. Not only will if offer a generous signup bonus, easy to earn and redeem rewards, but it comes with no annual fee.

Read full review

If you’re looking for an easy to use business credit card, the Chase Ink Business Unlimited Credit Card is a great option. Not only will if offer a generous signup bonus, easy to earn and redeem rewards, but it comes with no annual fee.

Read full review

Less

User Reviews


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