Chase Ink Business Unlimited Review: Good Choice for Simple, 1.5% Cash Back Business Rewards

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Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card
Editor’s Score: (N/A)
Apply Now externa link icon At Chase’s secure site
Ink Business Unlimited® Credit Card
Editor’s Score: (N/A)
  • Intro bonus:
    $750
  • Annual fee:
    $0
  • Regular APR:
    13.24% to 19.24% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn unlimited 1.5% cash back on every purchase made for your business.

NextAdvisor’s Take

Pros
  • No bonus categories to keep track of
  • Generous sign-up bonus
  • No annual fee
  • 0% APR on purchases for 12 months
Cons
  • Some cash back business cards offer a higher rewards rate
  • High spending threshold for sign-up bonus
  • Charges foreign transaction fees
  • Rewards don’t transfer to Chase airline and hotel partners
The Bottom Line
The Chase Ink Business Unlimited Credit Card keeps things simple with a flat 1.5% back for each dollar spent. A generous bonus offer and an introductory APR offer for purchases help it stand out as a solid business credit card pick.

Additional Card Details

  • 0% APR on purchases for 12 months, followed by a variable APR of 13.24% to 19.24% Free employee cards
  • Account management and expense tracking tools for your business
  • Extended warranty coverage
  • Purchase protection against damage and theft
  • Primary rental car coverage when renting a car for business purchases
  • Travel and emergency assistance services
  • Roadside dispatch

Chase Ink Business Unlimited Credit Card Full Review

Card Type

The Chase Ink Business Unlimited is a business credit card that earns cash back rewards.

Annual Fee

The Chase Ink Business Unlimited charges no annual fee.

Welcome Offer

New cardholders can earn $750 in bonus cash after spending $7,500 on purchases within three months of account opening. The spending threshold for this bonus is rather high — you’ll need to spend a monthly average of $2,500 on business expenses for the first three months to qualify.

Introductory Offer

There’s an introductory 0% APR offer on new purchases for 12 months, followed by an ongoing variable APR of 13.24% to 19.24%.

Rewards

Business owners who choose the Chase Ink Business Unlimited earn 1.5% cash back on every purchase. This unlimited flat rate means you’ll never have to keep track of bonus categories or earning caps.

Fees

This card’s ongoing variable APR is 13.24% to 19.24%. The Chase Ink Business Unlimited doesn’t charge an annual fee, but it does charge a 3% foreign transaction fee on any purchases you make abroad.

Because there’s no introductory offer for balance transfers, this card is not a good choice for debt payoff, but a 5% balance transfer fee (minimum $5) applies if you do transfer a balance. There’s also a 5% cash advance fee (minimum $15) and a $40 fee for late or returned payments.

Other Benefits

In addition to cash rewards, the Chase Ink Business Unlimited also comes with free employee cards and expense tracking tools for businesses. Plus, you’ll get some protections like extended warranty coverage on purchases that come with a manufacturer’s warranty of three years or less, purchase protection against damage and theft, and primary rental car coverage when renting a car for business purchases.

Other perks include travel and emergency assistance services and roadside dispatch.

Benefits of Chase Ink Business Unlimited Credit Card

There are a few reasons you may choose this card for your business expenses, but the main benefit is the flat 1.5% cash back without any limits or rewards categories. The rewards you earn with this card can be redeemed for cash back, statement credits, gift cards, merchandise, travel, and more.

The Chase Ink Business Unlimited also charges no annual fee, which can be a major plus for sole proprietors or freelancers without high expenses to justify an annual fee, or for business owners who are trying to keep costs down. And the 12-month introductory APR offer for purchases can be a huge benefit for business owners who have big upcoming expenses for payroll, inventory, or other business investments.

Drawbacks of Chase Ink Business Unlimited Credit Card

This card’s 1.5% return on every purchase is good, but some business credit cards offer a higher rate of cash back on all purchases, at least up to annual limits. For example, the American Express Blue Business Cash™ Card offers a flat 2% back with no annual fee, although you only earn that rate on your first $50,000 spent annually, then 1% back.

This card doesn’t allow you to redeem rewards for transfers to Chase airline and hotel partners. Plus, it charges foreign transaction fees when you use it for purchases outside the United States. If you want more travel redemption options from Chase and no foreign transaction fees, you might find the $95 annual fee on the Chase Ink Business Preferred Credit Card is worth those extra benefits.

How to Use Chase Ink Business Unlimited Credit Card

Unless you already have high monthly expenses, consider applying for the Chase Ink Business Unlimited when you have a large upcoming purchase to make or expected high expense month, since you’ll want to spend $7,500 on business purchases within three months of account opening to earn the $750 welcome bonus. 

If you have employees, you can also take advantage of employee cards on your account to maximize your rewards. Employee cards are free, and you earn rewards for each dollar employees charge to their cards, too.

Maximizing your rewards is easy from there, thanks to the 1.5% flat rate you earn on all purchases. But like any credit card, just make sure you charge only what you can afford to pay down when your statement is due. And if you decide to take advantage of the introductory 0% APR, have a plan to pay off all your charges before the first year is up. Otherwise, you’ll take on rapidly growing debt balances with this card’s high ongoing APR. 

Chase Ink Business Unlimited Credit Card Compared to Other Cards

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Editor’s Score: (N/A)
  • Intro bonus:
    $750
  • Annual fee:
    $0
  • Regular APR:
    13.24% to 19.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Editor’s Score: (4.1/5)
  • Intro bonus:
    100,000 points
  • Annual fee:
    $95
  • Regular APR:
    15.99% to 20.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Editor’s Score: (N/A)

Is the Chase Ink Business Unlimited Credit Card Right for You?

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

This card offers a generous sign-up bonus, introductory 0% APR, and ongoing rewards, but don’t forget to compare other options before you apply. Depending on your business’ annual budget and spending, a card with a different rewards structure may better maximize your business spending.

With the Chase Ink Business Unlimited, you can earn flat 1.5% rewards without any hassle or annual fees. This makes it a great choice for freelancers or sole proprietors who value simplicity and are looking to earn a bit back on spending, or business owners who want to avoid an annual fee cost.

If you have a business with very high monthly spending, though, or expenses focused in common rewards categories like travel or technology, another business card may offer more value.

Frequently Asked Questions (FAQ)

Does the Chase Ink Business Unlimited Credit Card let you transfer points to airlines and hotels?

You cannot transfer your Chase Ink Business Unlimited rewards directly to Chase airline and hotel partners.

Does the Chase Chase Ink Business Unlimited Credit Card have an annual fee?

There is no annual fee required for the Chase Ink Business Unlimited.

What is the credit limit for the Chase Ink Business Unlimited?

The minimum credit limit for the Chase Ink Business Unlimited is $3,000, but you may be approved for a higher limit based on the information in your application.