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Chase Ink Business Unlimited Review: 1.5% Back on All Your Business Spending

Review Updated
Lyle Daly
By: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
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Nathan Alderman
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Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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The Ink Business Unlimited® Credit Card is made for business owners who want easy-to-use benefits without an annual fee. It earns an unlimited 1.5% cash back across all spending categories and comes with a generous sign-up bonus. This card also has a 0% APR intro offer that saves you money on purchases you finance. Read our Ink Business Unlimited® Credit Card review to learn more.

Ratings Methodology

Ink Business Unlimited® Credit Card

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 24.49% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • Want to simplify your business credit card rewards? Take a closer look at this Chase card, which lets you earn a flat-rate 1.5% cash back across the board. The $750 cash back welcome bonus only sweetens the deal, and you won't pay an annual fee -- or any extra money for cards for your employees.

    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • 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

Full Chase Ink Business Unlimited review

This credit card is a good fit for: Business owners who want a straightforward cash back card with a robust bonus offer and/or a 0% intro APR for financing large purchases.

Top perks

The Ink Business Unlimited® Credit Card has several quality perks that can help you save money.

Earn $750 bonus cash back

Earn $750 bonus cash back after using your card to spend at least $6,000 within 3 months of account opening. That's one of the more valuable sign-up bonuses we've come across.

Unlimited cash back back

This card earns cash back on purchases. That rewards rate is competitive with what other business cards and cash back cards offer.

COMPARE TOP PICKS: Best Business Credit Cards

No annual fee

You won't be adding to your business expenses with the Ink Business Unlimited® Credit Card, because it doesn't charge an annual fee. Getting a no annual fee card is an excellent choice if your business isn't spending that much yet, since you may not get your money's worth from an annual fee card.

Free employee cards

You can get employee cards at no additional cost and earn cash back on the purchases they make. To get a card for an employee, add them as an authorized user on your account. You can also set individual spending limits on employee cards. Remember that you're responsible for any charges your employees make on their cards.

READ MORE: How to Add an Authorized User With Chase

0% intro APR for 12 months

This Chase business card has a 0% intro APR on purchases for the first 12 months. Whether you plan to buy new equipment, expand your business, or have other major expenses you can't pay in full, you can use the 0% intro APR to pay it off over time. Once that intro period ends, the go-to 18.49% - 24.49% Variable APR applies going forward. Aim to pay off everything within those 12 months so you can avoid interest charges entirely.

Convenient redemption process

With this card, you can redeem as little as $0.01 in cash back. And you can redeem your cash back as a statement credit toward your credit card bill or have the cash back directly deposited into your bank account. This may not seem like a big deal, but some credit cards make it more difficult to get your cash back with stricter rules or redemption minimums (I've seen minimums as high as $25!). With Chase credit cards, the process is simple and customer friendly.

READ MORE: Best Cash Back Business Credit Cards

Consumer and travel protections

The Ink Business Unlimited® Credit Card has a few useful complimentary protections. For car rentals, it offers auto rental collision damage waiver covering theft or collision damage for most cars in the United States and abroad. For eligible purchases, it offers:

Author's personal experience

I have the Ink Business Unlimited® Credit Card and the two other Chase Ink cards. I've been very happy with my Chase business cards (which you might've guessed, since I have three of them). The Ink Business Unlimited® Credit Card , in particular, is one of my favorite all-purpose business cards. It's an excellent choice whether you're looking for one card to use for all your spending or one you use along with other cards that have bonus categories. Chase also has useful expense tracking tools for business owners, so you can quickly check how much you're spending in different categories.

What everyone else is saying

Here's a look at what other review sites and credit card enthusiasts on social media have said about this Chase card.

What our competitors think

Average competitor rating: 4.4 / 5 stars

The Ink Business Unlimited® Credit Card gets high marks from professional reviewers. There's quite a bit of praise for its cash back rate, welcome offer, and how easy it is to use, since it earns the same rate no matter where you use it.

The most common criticism for this Chase card is that it doesn't have any bonus categories. Several reviewers mentioned that cards with bonus categories could be a better fit for some business owners. Reviewers also pointed out that this card has a foreign transaction fee, so it's not good for international travel, and that the 0% intro APR only applies to purchases, not balance transfers.

Social media consensus

This isn't the most frequently discussed credit card on social media. It seems to get overshadowed by its sibling, the Ink Business Cash® Credit Card. That card is more popular because it has bonus categories where you can earn 5% back.

Does that mean it's the better card? Not necessarily. Cards with bonus categories can work well for some, especially those who don't mind carrying multiple cards and remembering which to use at each place they shop. Many of the people who discuss credit cards on social media are more than willing to follow these kinds of advanced strategies.

The Ink Business Unlimited® Credit Card isn't as exciting, but it's still a good value for a business card. We also didn't find any notable criticisms of it on social media. Everyone who discussed it acknowledged that it has a lot of value and that the welcome offer is excellent.

What could be improved

There are a couple of small drawbacks to this business credit card.

No balance transfer offer

While this card has a 0% Intro APR on Purchases , it doesn't offer a 0% introductory rate on balance transfers. If you want a business card you can use to refinance existing credit card debt, you'll need to check out other credit card reviews.

Foreign transaction fee

You'll pay an extra 3% of each transaction in U.S. dollars on foreign transactions. Business owners who travel internationally should pick cards without foreign transaction fees, such as travel rewards cards, to keep costs down. Otherwise, these fees can get expensive.

RELATED: Best Travel Rewards Credit Cards

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare cards

Suggested credit score

A FICO® Score of at least 670 is recommended when applying for the Ink Business Unlimited® Credit Card. This card is intended for business owners with credit scores in the good credit range.

If you're wondering whether you're eligible for a business credit card, any type of business qualifies. That includes sole proprietorships and side hustles. Even if your business isn't bringing in revenue yet, you could still be approved based on your personal income.

Make sure you pass Chase's 5/24 rule if you're going to apply for this credit card. This is a restriction Chase has where it almost always denies an application if the consumer has already opened five or more credit cards in the previous 24 months.

LEARN MORE: A Guide to Chase's 5/24 Rule

What types of business owners would benefit most from the Ink Business Unlimited® Credit Card

This Ink Business Unlimited® Credit Card is a versatile option that can fit well in just about any business owner's wallet. But it's an especially good choice if any of the following apply to you.

You want to keep your business finances simple and easy

When your business is your priority, you probably don't want to spend too much time on other tasks. You may not be interested in keeping track of a bunch of bonus categories or other perks. One of the best parts about this Chase card is that it's uncomplicated. It earns a competitive rate on your business purchases, no matter the spending category, and redeeming your cash back is a breeze.

You're open to carrying multiple business cards as part of a more advanced rewards strategy

As I mentioned earlier, this card is versatile. It's excellent for a one-card wallet if you're keeping it simple. It can also work equally well if you want to maximize rewards by carrying multiple credit cards.

If so, you could combine it with business cards that have bonus categories and pay with them whenever you're spending in those areas. For all the rest of your spending, you could pay with your Ink Business Unlimited® Credit Card to earn Ink Business Unlimited® Credit Card instead of 1% back.

Your business spending isn't weighted toward any particular areas

Credit cards with bonus categories are valuable if you spend a lot in those areas. If your business spends thousands on social media ads every month, then it makes sense to get a card with bonus rewards on online ads. On the other hand, if your business spends money in a variety of areas, then you may just want to go with this Chase card and earn a competitive rate everywhere.

What to know before applying

Chase Ink Business Unlimited credit score

A FICO® Score of 670 or higher is recommended to apply for the Chase Ink Business Unlimited Credit Card. Chase checks your personal credit when you apply, and approved applicants typically have good or excellent credit.

Pre-approval process

You can sometimes see if you're pre-approved for a Chase card online. Chase has a pre-approval tool on its website, but it's not always available to use. When it is, you can check your Chase card pre-approvals by providing basic information, without any impact on your credit score.

Intro APR

The Ink Business Unlimited® Credit Card has a 0% Intro APR on Purchases for 12 months. This is helpful for paying down large business expenses -- just do your best to pay off your balance during the intro period to avoid interest entirely.

Fees

Here are the fees for the Ink Business Unlimited® Credit Card:

  • Annual fee: $0
  • Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash advance fee: Either $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign transaction fee: 3% of each transaction in U.S. dollars

Credit limit

The Ink Business Unlimited® Credit Card has a minimum starting credit limit of $3,000, according to the pricing and terms. Chase sets a credit limit based on multiple factors, most importantly your income and credit history. Some cardholders get approved for much higher limits, but Chase also mentions in the terms that it could require additional verification for limits above $25,000.

Credit cards that pair well with the Chase Ink Business Unlimited

The most natural pairing is another one of the Chase Ink cards -- or both! Carrying three Chase credit cards is so popular that there's even an informal name for it: The Chase Trifecta. Here's a quick rundown of why the other two Chase Ink cards are great partners for this one:

  • The Ink Business Cash® Credit Card has bonus categories where it earns 2% to 5% back. These categories include office supply stores, internet, cable, and phone services, gas stations, and restaurants, up to annual bonus spending caps.
  • The Ink Business Preferred® Credit Card earns 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

If you like to travel, there's another way it pays off to have the Ink Business Preferred® Credit Card. You can combine all your rewards onto that card (each $1 of cash back is worth 100 points). Those points have 25% more value toward Chase Travel bookings, or you can transfer them to Chase's airline and hotel partners.

Pro tip: Having trouble getting approved for a Chase Trifecta? Call and ask if you can adjust your credit limits with Chase. If Chase doesn't want to approve you for more credit, you might be able to lower the limits on your current Chase cards. The credit you give up can then be put toward the new Chase card you want.

The Chase Ink Business Unlimited is right for you if:

You're looking for a great all-around business credit card with a solid cash back rate and 0% Intro APR on Purchases. Here are a few situations where the Ink Business Unlimited® Credit Card works well:

  • You want to save money by earning cash back on your business expenses.
  • You have business expenses you want to finance without paying interest charges.
  • You're looking for a no annual fee business credit card.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 20.24%, 25.24%, or 29.99% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. N/A 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 28.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 19.24% - 29.24% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

    • https://creditcards.chase.com/business-credit-cards/ink/unlimited
    • https://creditcards.chase.com/business-credit-cards/ink/cash
    • https://creditcards.chase.com/business-credit-cards/ink/business-preferred
    • https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
    • Competitor ratings: We averaged ratings from Bankrate, Forbes, Nerdwallet, The Points Guy, and WalletHub.

FAQs

  • According to Chase, the minimum credit limit for the Ink Business Unlimited® Credit Card is $3,000. Credit limits above $25,000 may require additional review.

  • Yes, any eligible business owner can apply for the Ink Business Unlimited® Credit Card, including those who have startups or are in the early stages of launching a business.

  • No, the Ink Business Unlimited® Credit Card is made of plastic.