The Ink Business Unlimited® Credit Card from Chase is a business rewards credit card. With this card, businesses can earn unlimited 1.5% cash back with every purchase. New cardholders will earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. There is no annual fee and the card offers a 0% intro APR on purchases for 12 months. The Ink Business Unlimited® Credit Card comes with travel and purchase coverage benefits, including an auto rental collision damage waiver, purchase protection and extended warranty protection.
- Issuer NameChase
- Credit NeededExcellent, Good
- Annual Fee$0
- Regular APR18.49% – 24.49% Variable
- Penalty APRUp to 29.99%
- Purchases Intro APR0% Intro APR on Purchases for 12 months
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
- Foreign Transaction Fee3% of each transaction in U.S. dollars
On Chase’s Secure Website.
- Want a no-annual-fee business credit card.
- Like having a flat rate on cash back.
- Do not plan on using the card for travel outside the U.S.
The Ink Business Unlimited® Credit Card offers 1.5% flat-rate cash back, so it can be a good card on its own or paired with another credit card that offers bonus categories. Keep watch for special promotions that help you earn rewards, like the 5% cash back on Lyft rides you can get through March 2025 (3.5% on top of the 1.5% flat rate). You can also take advantage of the 0% APR on purchases in the first 12 months if you have a large purchase to make.
Editor’s Take
The Ink Business Unlimited® Credit Card is a great choice for a small business owner who doesn’t do a lot of travel but wants to earn some rewards on business expenses. With the very generous welcome offer and the 1.5% unlimited rewards across all purchases, it’s a simple and straightforward rewards card. If you spend a good amount within particular categories, you may be better served by a rewards card that has higher bonus rates on that spend, however.
Dawn PapandreaContributor
New cardholders can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
With the Ink Business Unlimited® Credit Card, you’ll earn unlimited 1.5% cash back on all purchases. New cardholders will earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
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