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Ink Business Unlimited℠ credit card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.24% ‐ 22.24% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
16.24% ‐ 22.24% (Variable) (0% for the first 12 months)
Balance Transfer
16.24% ‐ 22.24% (Variable)
Balance Transfer
16.24% ‐ 22.24% (Variable)
1.5% cashback
1.5% cashback
Signup Bonus
$900 after spending $600
Signup Bonus
$900 after spending $600

Informr score
The Ink Business Unlimited℠ credit card currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 33 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
The Points Guy

The Ink Business Unlimited Credit Card is a small-business card that closely mirrors the popular Chase Freedom Unlimited, but with a much higher introductory bonus. There is no annual fee and its simple rewards structure is more valuable than it looks at first glance.

- Ethan Steinberg, The Points Guy
One Mile at a Time
One Mile at a Time

The Chase Ink Business Unlimited is an absolutely phenomenal credit card that I can’t recommend enough, if you’re eligible. The card has a huge best-ever welcome bonus, has no annual fee, and is the best Chase card for everyday business spending for those in the Chase Ultimate Rewards ecosystem. If...

- Ben Schlappig, One Mile at a Time

The Chase Ink Unlimited is a solid middle-of-the-road card compared to other business cards. While 1.5% cash-back rewards aren’t the best a business owner can get, the decent APR and absence of an annual fee make this card attractive. Business owners with excellent credit or who charge significant a...

- Andrea Norris, GOBankingRates
Upgraded Points
Upgraded Points

It’s a great card for those wanting a cash-back business credit card with no annual fee and a flexible rewards structure.

- Jarrod West, Upgraded Points
Fit Small Business
Fit Small Business

The Chase Ink Business Unlimited® card is best for businesses that prefer to earn unlimited fixed-rate rewards on all purchases, with no annual fee. This is also best paired with your other Chase credit cards within the Ultimate Rewards program to maximize your redemption value when you redeem for t...

- Tricia Tetreault, Fit Small Business


Interest Rates
Regular APR Interest Rate 16.24% ‐ 22.24% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 16.24% ‐ 22.24% (Variable)

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

Cash Advance Interest Rate 27.99% (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 $40.00


Sign up bonus $900 after spending $600

On purchases within the first 3 months.

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 Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits

Roadside Dispatch

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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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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