Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
Ink Business Unlimited® Credit Card
Intro offer
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Ink Business Unlimited® Credit Card
Intro offer
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Details
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Intro offer
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular APR
16.24% – 22.24% Variable
Intro APR
0% intro APR on purchases for the first 12 months
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Small-business owners can get a ton of value from the Ink Business Unlimited® Credit Card. It’s offering an unprecedented welcome bonus worth $900, doesn’t charge an annual fee, and offers protections you don’t always get with comparable cards.
Review: Is the Chase Ink Business Unlimited the best credit card for you?
For small-business owners who prefer a straightforward earning rate and no annual fee, the Ink Business Unlimited® Credit Card is a great option. You’ll earn 1.5% cash back (1.5 Chase Ultimate Rewards points per dollar) on every purchase, and there’s no limit to what you can earn.
Now is a perfect time to consider the card, because it’s offering the highest bonus we’ve ever seen. You’ll earn $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening, which is the best of any small-business credit card with no annual fee.
The Ink Business Unlimited® Credit Card also offers helpful benefits you don’t always find on no-annual-fee cards, including primary car rental insurance when you rent for business purposes, extended warranty, and purchase protection. There’s also a 0% intro APR on purchases for the first 12 months (followed by a 16.24% – 22.24% Variable APR), which can save you a ton of money on interest if you need to carry a balance.
Before you decide on the Ink Business Unlimited® Credit Card, you may also want to consider the card’s sibling — the Ink Business Cash® Credit Card. It’s got the same welcome bonus but earns up to 5% cash back (5x points) in select business categories, and also doesn’t have an annual fee.
If you don’t mind paying a $95 annual fee, the Ink Business Preferred® Credit Card has an even higher welcome bonus. New cardholders can earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening, and having this card unlocks more options for redeeming your Chase Ultimate Rewards points.
Insider’s Featured Small Business Cards
Earn 3% cash back on every card swipe with no category restrictions.
$500 cash back after you spend $5,000 in eligible purchases on the card within your first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn rewards with the Ink Business Unlimited card
Although the Ink Business Unlimited® Credit Card is framed as a cash-back credit card, it actually earns rewards in the form of Chase Ultimate Rewards® points. All purchases earn 1.5x points per dollar, which is equivalent to 1.5% cash back.
However, there are other ways to redeem your points — and you’ll have more options if you have certain other Chase credit cards.
How to use Chase Ultimate Rewards points
With the Ink Business Unlimited® Credit Card, your points are worth 1 cent each for cash back, gift cards, or travel booked through the Chase travel portal. You can also use your points directly for purchases at online retailers like Amazon and Apple, although the rate varies.
But there’s a way to get even more from your points if you also have the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card in your wallet. When you transfer your Chase points from the Ink Business Unlimited® Credit Card to one of these cards, you’ll open up more valuable redemption options, including:
Benefits and features
Introductory 0% APR on purchases
The Ink Business Unlimited® Credit Card offers a 0% intro APR on purchases for the first 12 months (then a 16.24% – 22.24% Variable APR). Using a credit card 0% APR offer is super handy if your small business has a lot of big expenses coming up that you want to pay for over time without getting hit with big interest charges.
Primary car rental insurance
Chase offers primary car rental insurance if you rent a car for business purposes using your Ink Business Unlimited® Credit Card, which can save you a ton of money on rental charges.
When you decline the collision insurance offered by the rental company and charge the entire cost of the rental to your card, you’re covered for theft and collision damage up to the actual cash value of most vehicles in the US and abroad. Note that you’re not covered for liability, so you’ll have to pay for that separately or carry coverage through your own personal auto insurance policy.
Purchase protection
The Ink Business Unlimited® Credit Card comes with purchase protection, which covers your eligible new purchases for 120 days against damage or theft (up to $10,000 per claim and $50,000 per account).
Extended warranty
You’ll also get extended warranty coverage, which extends the time period of a US manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Travel and emergency assistance
As a cardholder, you’ll also have travel and emergency assistance if you need help during your travels. While you will have to cover the cost of any emergency assistance, a benefits administrator can help you navigate the process of getting help during an unexpected event.
Roadside dispatch
You’ll also get access to a roadside dispatch service, which can arrange help like a tow, jumpstart, or tire change. As with the emergency assistance services, you’ll be responsible for covering the cost of any services.
Zero-liability and fraud protection
The Ink Business Unlimited® Credit Card also offers its cardholders account protection in the form of alerts, so you can easily monitor the activity on your account and identify any possible fraud.
You can choose the alerts you want to get and how you want to receive them, and you won’t be held responsible for unauthorized charges made with your card or account information.
Fees and costs
You won’t ever pay an annual fee with the Ink Business Unlimited® Credit Card, which makes it great for smaller businesses or startups that want to minimize expenses.
Like many no-annual-fee cards, the Ink Business Unlimited® Credit Card charges a foreign transaction fee, so it’s not a good pick for expenses billed from overseas or international travel. You’re better off using one of our favorite credit cards with no foreign transaction fees for those purchases.
And, like most cards, you’ll pay a fee for balance transfers, cash advances, and late or returned payments. The card currently charges an APR of 16.24% – 22.24% Variable.
Comparison: Chase Ink Business Unlimited vs other Chase business cards
*the Ink Business Preferred® Credit Card earns 3x points on the first $150,000 in combined purchases spent each account anniversary year in these categories (then 1x)
***5% cash back and 2% cash back on the Ink Business Cash® credit card on up to $25,000 in combined purchases each account anniversary year, then 1% cash back.
Ink Business Unlimited vs other small-business cards
Chase Ink Business Unlimited frequently asked questions (FAQ)
To be eligible to apply for small-business cards like the Ink Business Unlimited® Credit Card, you’ll need to have some sort of business venture. That doesn’t mean you need to run a big corporation or even a full-time business; many people qualify for a small-business card with a side gig or part-time work, like driving for Uber, delivering Instacart, freelancing, or reselling.
Chase does have additional application rules to be aware of, the most notable of which is its so-called 5/24 rule. You won’t be approved for Chase cards, including the Ink Business Unlimited® Credit Card, if you’ve opened five or more cards from any bank (except certain small business cards) in the past 24 months.
That said, opening the Ink Business Unlimited® Credit Card won’t add to your 5/24 total — meaning Chase won’t count it toward your five-card limit in the past 24 months if you’re looking to open more Chase cards in the future.
Yes, you’re eligible to open an Ink Business Unlimited® Credit Card if you already have other Ink cards like the Ink Business Preferred® Credit Card or Ink Business Cash® Credit Card.
Most people who are approved for the Ink Business Unlimited® Credit Card have at least a good credit score, which means a FICO score of 670 or more.
If you only have the Ink Business Unlimited® Credit Card, you can’t transfer your points to partners — you’re only able to redeem points for cash back, travel booked through Chase, gift cards, and certain retailers like Amazon.
However, if you also have the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card, you can move points from the Ink Business Unlimited® Credit Card to one of those accounts, then transfer them to airline and hotel partners.
Yes, the Ink Business Unlimited® Credit Card is an excellent card for just about any small-business owner. Its sky-high welcome bonus is almost unheard of for a no-annual-fee card, it has a very straightforward earning structure (no fussing with bonus categories!), and it’s got a wide range of redemption options.
The only real downside is that it charges foreign transaction fees. So if your work takes you overseas frequently or your business makes a lot of international purchases, you might want to consider its sibling card, the Ink Business Preferred® Credit Card, which doesn’t add foreign transaction fees.
Top Offers From Our Partners
Related Post
Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
Ink Business Unlimited® Credit Card
Intro offer
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Ink Business Unlimited® Credit Card
Intro offer
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Details
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Intro offer
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular APR
16.24% – 22.24% Variable
Intro APR
0% intro APR on purchases for the first 12 months
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Small-business owners can get a ton of value from the Ink Business Unlimited® Credit Card. It’s offering an unprecedented welcome bonus worth $900, doesn’t charge an annual fee, and offers protections you don’t always get with comparable cards.
Review: Is the Chase Ink Business Unlimited the best credit card for you?
For small-business owners who prefer a straightforward earning rate and no annual fee, the Ink Business Unlimited® Credit Card is a great option. You’ll earn 1.5% cash back (1.5 Chase Ultimate Rewards points per dollar) on every purchase, and there’s no limit to what you can earn.
Now is a perfect time to consider the card, because it’s offering the highest bonus we’ve ever seen. You’ll earn $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening, which is the best of any small-business credit card with no annual fee.
The Ink Business Unlimited® Credit Card also offers helpful benefits you don’t always find on no-annual-fee cards, including primary car rental insurance when you rent for business purposes, extended warranty, and purchase protection. There’s also a 0% intro APR on purchases for the first 12 months (followed by a 16.24% – 22.24% Variable APR), which can save you a ton of money on interest if you need to carry a balance.
Before you decide on the Ink Business Unlimited® Credit Card, you may also want to consider the card’s sibling — the Ink Business Cash® Credit Card. It’s got the same welcome bonus but earns up to 5% cash back (5x points) in select business categories, and also doesn’t have an annual fee.
If you don’t mind paying a $95 annual fee, the Ink Business Preferred® Credit Card has an even higher welcome bonus. New cardholders can earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening, and having this card unlocks more options for redeeming your Chase Ultimate Rewards points.
Insider’s Featured Small Business Cards
Earn 3% cash back on every card swipe with no category restrictions.
$500 cash back after you spend $5,000 in eligible purchases on the card within your first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.
$900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn rewards with the Ink Business Unlimited card
Although the Ink Business Unlimited® Credit Card is framed as a cash-back credit card, it actually earns rewards in the form of Chase Ultimate Rewards® points. All purchases earn 1.5x points per dollar, which is equivalent to 1.5% cash back.
However, there are other ways to redeem your points — and you’ll have more options if you have certain other Chase credit cards.
How to use Chase Ultimate Rewards points
With the Ink Business Unlimited® Credit Card, your points are worth 1 cent each for cash back, gift cards, or travel booked through the Chase travel portal. You can also use your points directly for purchases at online retailers like Amazon and Apple, although the rate varies.
But there’s a way to get even more from your points if you also have the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card in your wallet. When you transfer your Chase points from the Ink Business Unlimited® Credit Card to one of these cards, you’ll open up more valuable redemption options, including:
Benefits and features
Introductory 0% APR on purchases
The Ink Business Unlimited® Credit Card offers a 0% intro APR on purchases for the first 12 months (then a 16.24% – 22.24% Variable APR). Using a credit card 0% APR offer is super handy if your small business has a lot of big expenses coming up that you want to pay for over time without getting hit with big interest charges.
Primary car rental insurance
Chase offers primary car rental insurance if you rent a car for business purposes using your Ink Business Unlimited® Credit Card, which can save you a ton of money on rental charges.
When you decline the collision insurance offered by the rental company and charge the entire cost of the rental to your card, you’re covered for theft and collision damage up to the actual cash value of most vehicles in the US and abroad. Note that you’re not covered for liability, so you’ll have to pay for that separately or carry coverage through your own personal auto insurance policy.
Purchase protection
The Ink Business Unlimited® Credit Card comes with purchase protection, which covers your eligible new purchases for 120 days against damage or theft (up to $10,000 per claim and $50,000 per account).
Extended warranty
You’ll also get extended warranty coverage, which extends the time period of a US manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Travel and emergency assistance
As a cardholder, you’ll also have travel and emergency assistance if you need help during your travels. While you will have to cover the cost of any emergency assistance, a benefits administrator can help you navigate the process of getting help during an unexpected event.
Roadside dispatch
You’ll also get access to a roadside dispatch service, which can arrange help like a tow, jumpstart, or tire change. As with the emergency assistance services, you’ll be responsible for covering the cost of any services.
Zero-liability and fraud protection
The Ink Business Unlimited® Credit Card also offers its cardholders account protection in the form of alerts, so you can easily monitor the activity on your account and identify any possible fraud.
You can choose the alerts you want to get and how you want to receive them, and you won’t be held responsible for unauthorized charges made with your card or account information.
Fees and costs
You won’t ever pay an annual fee with the Ink Business Unlimited® Credit Card, which makes it great for smaller businesses or startups that want to minimize expenses.
Like many no-annual-fee cards, the Ink Business Unlimited® Credit Card charges a foreign transaction fee, so it’s not a good pick for expenses billed from overseas or international travel. You’re better off using one of our favorite credit cards with no foreign transaction fees for those purchases.
And, like most cards, you’ll pay a fee for balance transfers, cash advances, and late or returned payments. The card currently charges an APR of 16.24% – 22.24% Variable.
Comparison: Chase Ink Business Unlimited vs other Chase business cards
*the Ink Business Preferred® Credit Card earns 3x points on the first $150,000 in combined purchases spent each account anniversary year in these categories (then 1x)
***5% cash back and 2% cash back on the Ink Business Cash® credit card on up to $25,000 in combined purchases each account anniversary year, then 1% cash back.
Ink Business Unlimited vs other small-business cards
Chase Ink Business Unlimited frequently asked questions (FAQ)
To be eligible to apply for small-business cards like the Ink Business Unlimited® Credit Card, you’ll need to have some sort of business venture. That doesn’t mean you need to run a big corporation or even a full-time business; many people qualify for a small-business card with a side gig or part-time work, like driving for Uber, delivering Instacart, freelancing, or reselling.
Chase does have additional application rules to be aware of, the most notable of which is its so-called 5/24 rule. You won’t be approved for Chase cards, including the Ink Business Unlimited® Credit Card, if you’ve opened five or more cards from any bank (except certain small business cards) in the past 24 months.
That said, opening the Ink Business Unlimited® Credit Card won’t add to your 5/24 total — meaning Chase won’t count it toward your five-card limit in the past 24 months if you’re looking to open more Chase cards in the future.
Yes, you’re eligible to open an Ink Business Unlimited® Credit Card if you already have other Ink cards like the Ink Business Preferred® Credit Card or Ink Business Cash® Credit Card.
Most people who are approved for the Ink Business Unlimited® Credit Card have at least a good credit score, which means a FICO score of 670 or more.
If you only have the Ink Business Unlimited® Credit Card, you can’t transfer your points to partners — you’re only able to redeem points for cash back, travel booked through Chase, gift cards, and certain retailers like Amazon.
However, if you also have the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card, you can move points from the Ink Business Unlimited® Credit Card to one of those accounts, then transfer them to airline and hotel partners.
Yes, the Ink Business Unlimited® Credit Card is an excellent card for just about any small-business owner. Its sky-high welcome bonus is almost unheard of for a no-annual-fee card, it has a very straightforward earning structure (no fussing with bonus categories!), and it’s got a wide range of redemption options.
The only real downside is that it charges foreign transaction fees. So if your work takes you overseas frequently or your business makes a lot of international purchases, you might want to consider its sibling card, the Ink Business Preferred® Credit Card, which doesn’t add foreign transaction fees.
