The Ink Business Unlimited’ sign-up gives you a generous $750 cash back spending $7,500 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred.
No annual fee
A generous $750 cash-back sign-up bonus
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
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
This card offers average to below-average returns for cardholders who don’t pair it with another Chase Ultimate Rewards credit card. The Business Unlimited shouldn’t be your first choice if you don’t currently have a full-fledged Ultimate Rewards personal or business card, such as the Ink Business Preferred Credit Card, Chase Sapphire Preferred Card or Chase Sapphire Reserve. The card is incredibly valuable when partnered with any of these cards. Like nearly all of Chase’s cards, the Ink Business Unlimited is restricted by the 5/24 rule so you’ll want to double check that you’re eligible before you apply.
The Business Unlimited has no bonus categories, so this card is a good match for anyone looking to fill in the gaps on non-bonus spending. Match it with a card that offers the best business bonus categories for your business, whether it’s for travel, dining, office supplies or online advertising.
The Business Unlimited has no annual fee and has a 0% introductory annual percentage rate (APR) offer, so it is well suited for startups or other businesses with irregular cash flow. The 0% introductory APR is good for 12 months from account opening on purchases. After that, you’ll pay a 13.24% – 19.24% variable APR.
The Ink Business Unlimited earns 1.5% cash back on all purchases using an uncomplicated rewards structure that requires no thinking about rotating or bonus categories. This represents both the beauty of this card and its potential downside.
Your personal credit card won’t be as rewarding at office supply stores as your business card can be.
For example, if you buy airfare with this card, you could be forgoing rewards of up to 5x points that other cards such as The Business Platinum Card® from American Express offer (on flights booked via Amex Travel). Same goes for paying for office supplies or internet service. The Ink Business Cash pays 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone and landline services each account anniversary year (1% thereafter).
Be careful about evaluating this card only on its cash-back value. The unlimited cash-back offered by this card won’t give you the highest return among cash-back business credit cards — at least if you redeem for cash. That honor goes to a card such as the Capital One Spark Cash for Business, which pays 2% cash back on all purchases. In the end, the Business Unlimited can be more valuable than Spark Cash because of the ability to transfer points to an Ultimate Rewards card.