Best for business travelers

The Ink Business Unlimited offers 1.5% cash back on everyday, non-bonus business expenses.

At a glance

  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
$750
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Up to 29.99%
27.24% Variable
15.49% - 21.49% Variable
15.49% - 21.49% Variable
0% Intro APR on Purchases for 12 Months
$0

At a glance

  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
$750
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Up to 29.99%
27.24% Variable
15.49% - 21.49% Variable
15.49% - 21.49% Variable
0% Intro APR on Purchases for 12 Months
$0
  • Earn $750 bonus cash back after you spend $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Our Take

TPG Editor's Rating

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4/5

Overview

The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for cash back business expenses in non-bonus earning categories. It can also be paired with another Ultimate Rewards card for optimal value. Because the card is tailored for small businesses, freelancers and sole-proprietors are more likely to be approved.

Pros

  • No annual fee.
  • A generous $750 cash-back sign-up bonus.
  • Flat 1.5% cash back on all purchases.
  • Primary insurance for car rentals.
  • 0% introductory APR for the first 12 months on purchases (then a variable APR of 15.49% - 21.49% applies)

Cons

  • Higher spend to receive sign-up bonus.
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
  • No travel protections.

Who is this card good for?

This card is perfect for a small business owner that is looking for a flat-rate, cash-back business card. Bonus spending in categories such as travel and dining can be exhausting to track and also not applicable to a lot of businesses. With no annual fee and a 0% intro APR on purchases made within the first 12 months from account earning, this can be a great business card for the right business owner. After that, the variable APR will be 15.49%-21.49%, based on creditworthiness.

Earning Rewards

The Ink Business Unlimited has a very simple earning model: 1.5% cash back on all purchases. There are no rotating or bonus categories and no spending cap on the cash back.

Frequently asked questions

  • Is the Ink Business part of Chase’s 5/24 rule?

    The Ink Business card is issued by Chase, so it does follow Chase’s unofficial 5/24 limit when it comes to being approved. But because the Ink Business Unlimited is a business card, it will not count towards the 5/24 limit either.

  • Can I combine the Ink Business Unlimited card with my other Ultimate Rewards cards?

    The Ink Business Unlimited can be moved to an Ultimate Rewards card, personal or business, if the primary cardmember for both cards is the same. With this option, the Ink Business Unlimited provides incredible potential value for flyers.