With unlimited 1.5% cash back on all purchases, a solid welcome offer, and no annual fee, the Ink Business Unlimited card from Chase is hard to pass up.
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REVIEWED BY
Expert Contributor
| Total Rating | 4.7 |
|---|---|
| Rewards & Perks5.0 | |
| Rates & Fees4.8 | |
| Features5.0 | |
| Eligibility Requirements2.4 | |
| Customer Service4.0 | |
| User Reviews3.3 | |
Table of Contents
Chase Ink Business Unlimited is a business credit card that offers unlimited 1.5% cash back on all purchases. Combine this with no annual fee, a generous welcome offer, and a 12-month 0% introductory APR, and you have a business credit card with broad appeal.
Ink Business Unlimited earns an excellent 4.7/5 Merchant Maverick score and compares favorably with the other top business credit cards on the market. Read on to see when Ink Business Unlimited is the best choice, as well as when another card might better suit your needs.
Chase Ink Business Unlimited |
Annual Fee: $0
Purchase APR: 18.49% – 24.49%, Variable |
|---|---|
| Rewards & Perks5.0 |
|---|
| Earning Rewards 5.0 |
| Rewards Redemption 5.0 |
With an unlimited 1.5% cash back and a solid welcome bonus, Chase Ink Business Unlimited has an excellent rewards scheme that fits the widest possible range of businesses. Accordingly, the card earns a perfect category rating here.
With the Ink Business Unlimited card in hand, you’ll be eligible to receive a $750 bonus. To trigger this extra cash bundle, you’ll need to spend at least $6,000 in the first three months after you open your account. Chase will deliver your bonus six to eight weeks after you hit the spending mark.
Ink Business Unlimited has the most straightforward rewards scheme possible: you’ll earn an unlimited 1.5% cash back for all purchases.
While other cash back cards might offer higher cash back earning rates (often 3-5%) for spending on specific purchase categories, these cards limit the amount of cash back you can earn at these higher rates. If your business spending far exceeds these limits, you stand to earn more cash back with a no cap cash back card like the Ink Business Unlimited — even if you could be earning a higher rate of cash back on a portion of your spending.
Note that, technically, this card is marketed as a cash back card, but the rewards you receive will get credited to your account in the form of points.
Maverick Tip: Chase currently partners with Lyft to offer 5% cash back (or 5x points) for all Lyft rides booked with any Ink Business card. This limited-time partnership between Chase and Lyft runs through March 2025.
Note that this does not stack with the universal 1.5% cash back rewards — technically, you’ll earn an extra 3.5% cash back on Lyft rides, bringing your total cash back rate on Lyft purchases to 5%.
While Ink Business Unlimited is a cash back card, your rewards technically come in the form of Chase Ultimate Rewards points. You get 1.5 points for every dollar spent, and each point is worth one cent. You can redeem your points for cash back by way of a statement credit or an electronic deposit into an eligible US checking or savings account.
Chase also offers a few additional redemption methods, including gift cards, entertainment experiences, and purchases made via the Apple Ultimate Rewards Store or on Amazon.com.
What’s more, you can book travel through Chase’s travel portal using your points. Available bookings include rental cars, hotel stays, and flights. In most cases, there are no restrictions or blackout dates on airfare.
| Rates & Fees4.8 |
|---|
| Rates 5.0 |
| Fees 4.6 |
We love that Ink Business Unlimited carries no annual fee and offers a year-long introductory 0% APR. It’s why the card earns an excellent 4.8/5 score in this category.
Let’s go over this card’s complete list of pricing details.
This card’s APR is quite competitive when stacked against the competition. Given the sharp increase in interest rates over the last several years, Ink Business Unlimited’s 18.49% – 24.49%, Variable APR range compares favorably with many other business credit cards.
If you need to charge a large business purchase and carry a balance for a while, Ink Business Unlimited’s 12-month intro 0% APR will let you do this without paying interest for a year. We always like to see this in a credit card!
A real plus for Ink Business Unlimited is its lack of an annual fee. You won’t have to balance your cash back with an offsetting annual fee when determining the value you’ll extract from this card.
If you travel overseas, know that the Chase Ink Business Unlimited card does carry a 3% foreign transaction fee. This fee will mean that those who venture abroad for business frequently may want to look elsewhere for their next bit of plastic.
There are a few additional standard fees to keep in mind with this offering from Chase. For balance transfers, expect to pay either $5 or 5% of the transaction (whichever is higher). Cash advances will cost an extra $15 or 5% of each transaction (whichever is higher).
When it comes to both late and returned payments, your fee will be the standard $40.
| Features5.0 |
|---|
| Business Perks 5.0 |
| Extra Benefits 5.0 |
Ink Business Unlimited gives you access to Chase’s full range of business credit card features. These benefits will help out both travelers and your employees — accordingly, this card gets a perfect category rating here.
| Eligibility Requirements2.4 |
|---|
| Credit Score 3.0 |
| Requirement Disclosure 0.0 |
We recommend that business applicants have good to excellent credit before applying for Ink Business Unlimited. That means you’ll likely want a credit score of 640 or higher.
Note that this is just a recommendation, as Chase doesn’t market a minimum credit score for this card.
Maverick Tip: Don’t know your credit score? You don’t have to pay to find out! Visit one of these free credit score sites.
| Customer Service4.0 |
|---|
| Support Options 5.0 |
| Support Quality 3.0 |
| Chase Ink Business Unlimited Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
Chase offers a full range of support options for all Ink Business credit card users. Offering 24/7 direct customer support, several FAQs, and largely decent reviews from users, Chase earns a solid rating for this card in the Customer Service category.
| User Reviews3.3 |
|---|
| User Feedback 3.0 |
| Review Sites 3.4 |
Chase’s Ink Business cards are regarded as top-of-the-line in the credit card industry. Ink Business Unlimited is no exception. The card gets a good rating in this category, though there is room for improvement.
Ink Business Unlimited earns an average user score of 3.2/5 (out of 21 reviews) at WalletHub and an average score of 3.7/5 (9 reviews) at Credit Karma. These scores may not look great, but they are in line with what other leading business credit cards get (and the sample sizes are very small).
Chase Ink Business Unlimited is a great general purpose business credit card, but there are instances where another card might be a better fit for you. Let’s delve into when another card might be a better pick — and when you might want to mix-and-match with another business credit card.
The Chase Ink Business Unlimited features a simple rewards scheme that won’t require you to think about spending categories. With its solid welcome offer, no annual fee, a lengthy intro 0% APR, and consistent rewards, this card holds appeal for a wide spectrum of small businesses.
However, frequent travelers may be put off by the card’s foreign transaction fee. Others may want to avoid Ink Business Unlimited if they only spend in a couple of specific categories or if they’ll spend enough to offset an annual fee on a higher-rate card.
Finally, large businesses and corporations with expense management needs may want to check out the best corporate credit cards instead.
So, should you apply for Ink Business Unlimited from Chase?
You might want to apply if…
You might want to look for a different card if…
We spend hours researching and evaluating each credit card that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.
When rating credit cards and credit card issuers, we use an 18-point rubric that looks at rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. We weigh each section differently to calculate the total star rating.
Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like APR, introductory offers, cash back and travel rewards, credit score requirements and disclosures, foreign transaction fees, and the availability of employee cards.
Read more about how we rate business credit cards.
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