Points, Miles & Credit Cards

Review: Chase Ink Business Unlimited® Credit Card

Kurt Adams

January 11, 2024

6 min read

Table of Contents

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Our take

The card_name from Chase is a great card for small business owners and entrepreneurs who want to earn flat cash back on all purchases. It pairs well with Chase’s suite of travel cards.

Pros and cons

Pros:

No annual fee
Pairs great with Chase cards that earn travel points
No maximum on earning rewards

Cons:

Foreign transaction fee
Earns cash back: You would also need one of the following cards in order to transfer points for travel: Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Ink Business Preferred® Card
No bonus categories: Other cards can earn higher, if you’re willing to track spending categories

Ink Business Unlimited® Credit Card Review

The Ink Business Unlimited® Credit Card from Chase is a no-annual-fee business credit card that earns cash-back rewards at a flat 1.5%. If you are a freelancer, sole proprietor, or entrepreneur who doesn’t want to stress about tracking bonus categories, this card could be a great fit.

It also has a great welcome offer: bonus_miles_full

Learn more about the card_name

Ink Business Unlimited® Credit Card Quick Facts

Annual fee: annual_fees
Rewards: Earn unlimited 1.5% cash back on every purchase you make for your business
Welcome offer: bonus_miles_full
Foreign transaction fee: foreign_transaction_fee
Intro APR: intro_apr_rate,intro_apr_duration , after that reg_apr,reg_apr_type
Recommended credit score: credit_score_needed

Ink Business Unlimited® Credit Card Benefits

Employee business cards at no additional cost: You can set employee spending limits.
Auto rental collision damage waiver: Useful for when renting a car on business trips
Purchase and extended warranty protection: Shop with peace of mind

Earning rewards with the Ink Business Unlimited® Credit Card

Earning rewards with the card_name is simple: You’ll earn 1.5% cash back per dollar on every purchase made for your business. This straightforward earning structure takes all the guesswork out of earning points.

This card doesn’t have bonus categories, so if you spend more on specific categories like shipping, internet, or ads, and want to earn at a higher rate, you may want to take a look at other business credit cards.

Cash-back rewards come in the form of Chase Ultimate Rewards® points.

Redeeming points with Ink Business Unlimited® Credit Card

As a cash-back credit card, the easiest way to redeem the Ultimate Rewards® points you earn is for statement credit. But, what is easiest isn’t always the best.

If you want to maximize the value of the points you earn with this card, you should consider combining your Ultimate Rewards® points with the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or the Ink Business Preferred® Card. This will enable you to transfer your Ultimate Rewards points to airline and hotel partners and redeem them for free flights or hotel stays.

Our guide to combining Chase points between multiple cards walks you through the process to do this step by step and explains the cards you’d need in your wallet, to do

Alternatives to Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

If don’t mind tracking spending categories, or if your business expenses are concentrated on office supplies or internet, cable, and phone services, the card_name might be a better choice. You can earn 5% cash back on the first $25,000 spent each account anniversary on office supply stores and on internet, cable, and phone services. You can also earn 2% cash back on the first $25,000 spent each account anniversary on gas stations or restaurants.

Read our review

Ink Business Preferred® Credit Card

If you don’t mind paying an annual fee, the card_name earns points you can transfer to travel partners, plus it offers no foreign transaction fees. This card also allows you to earn more in select bonus categories: Each account anniversary, you can earn 3X points per dollar on the first $150,000 spent on shipping purchases, advertising on social media and search engines, travel, and internet, cable, and phone services. Its current welcome offer is excellent: bonus_miles_full

Read our review

The Blue Business® Plus Credit Card from American Express

If you prefer to earn American Express Membership Rewards and are looking for a no-annual-fee business card, consider card_name (See Rates and Fees). This card earns 2X Membership Rewards® points on everyday business purchases for the first $50,000 in purchases per year. (It is 1 point per dollar thereafter.) It’s almost impossible to find a travel credit card—business or personal—that earns 2X points per dollar and carries no annual fee!

For a small business cash-back alternative from American Express, check out card_name (See Rates and Fees).

Complementary cards to Ink Business Unlimited® Credit Card

Because you can transfer points between other Chase cards that earn Ultimate Rewards points, the following are great cards that complement the Ink Business Unlimited Credit Card: