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Chase Ink Business Unlimited Review


Chase Ink Business Unlimited Review

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Date Established
New York, NY


The Chase Ink Business Unlimited℠ card is Chase’s newest business credit card. Launched in May 2018, it’s the business analog of the Chase Freedom Unlimited consumer credit card. We here at Merchant Maverick have found a lot to like about Chase’s two existing business cards. Will the Ink Business Unlimited℠ live up to its pedigree?

Like Chase’s Ink Business Cash card, the Ink Business Unlimited℠ is a cash back card. However, unlike the Ink Business Cash, which offers differing rates of cash back depending on your purchases and limits the amount of cash back you can earn, the Ink Business Unlimited℠ 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 the makings of an impressive business credit card.

Is the Ink Business Unlimited℠ a good fit for your business? Read on to learn more about the card and how it compares to other cash back business cards.

Ink Business Unlimited℠ At A Glance

Chase Ink Business Unlimited

chase ink business unlimited

Annual Fee:



Purchase APR:

15.49% - 21.49%, Variable

  • Annual fee: $0
  • Welcome offer: $500 cash back after you spend $3,000 on purchases in the first 3 months
  • APR: 15.49%–21.49% variable APR
  • Introductory rate: 0% APR on purchases and balance transfers in the first 12 months
  • Foreign transaction fee: 3%
  • Rewards: 
    • Earn unlimited 1.5% Cash Back rewards on all purchases
  • Notable perks and benefits:
    • Get employee cards at no additional cost


Business applicants typically must have good to excellent credit to be approved for the Ink Business Unlimited℠ card.

Rewards & Fees

  • The 12-month introductory 0% APR period lets you initially make business purchases without worrying about interest
  • No annual fee
  • 3% foreign transaction fee
  • Balance transfers carry a fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash advances carry a fee of either $15 or 5% of the amount of each transaction, whichever is greater
  • The late payment fee starts at $15 and rises to $39 depending on the amount owed
  • The welcome offer of $500 cash back is earned by spending $3,000 on purchases within 3 months of opening your account

The business that spends $3,000 within the first 3 months of card use — not a tall feat for most businesses — stands to make a quick $500 in cash back. It’s a hefty bonus for a cash back business card. What really gives the Ink Business Unlimited℠ its value, however, is the unlimited 1.5% cash back you stand to earn. The fact that there’s no limit to the amount of cash back you can earn, combined with the fact that all spending is treated equally for cash back purposes (there are no higher-earning cash back categories), means that the Ink Business Unlimited℠ is best suited to the business with a lot of expenses. While other cash back cards might offer a higher cash back earning rate (2% to 5%) for certain kinds of spending, these cards always 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 an unlimited 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.

Add this cash back value to the fact that the card carries no annual fee, and you’ve got the makings of a valuable business credit card. However, with the 3% foreign transaction fee, it’s not the best travel card if your business requires lots of overseas trips.

Chase Ink Business Unlimited

chase ink business unlimited

Annual Fee:



Purchase APR:

15.49% - 21.49%, Variable

Redeeming Rewards

While the 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. You can also redeem your points for gift cards and for purchases made on

Perhaps most tantalizingly, you can transfer your points to other Chase business cards you might have or to any one of a number of airline travel rewards programs. Play your cards right with these options, and you can get more value from your points — 1.5 cents per point or more. You can also book travel directly through Chase’s travel portal and get up to 1.5 cents per point. All things considered, Chase gives your business a wide array of options for extracting extra value from your rewards points.


Chase lists the following as benefits attached to the Ink Business Unlimited℠:

  • Auto rental collision damage waiver
  • Purchase protection — Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • Travel and emergency assistance services
  • Roadside dispatch
  • Extended warranty protection
  • Get employee cards at no additional cost

Upon opening your account, Chase will send you a full guide to using your benefits.

Chase Ink Business Unlimited℠ vs. Chase Ink Business Cash℠

The Ink Business Unlimited℠ will always draw comparisons with the Ink Business Cash℠, Chase’s other cash back business card. With the Ink Business Cash℠, the welcome offer, 12-month 0% APR, non-existent annual fee, 3% foreign transaction fee, and card benefits are all identical to those of the Ink Business Unlimited℠. The difference comes in how you earn cash back. The Ink Business Cash℠ lets you earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone purchases. You’ll also get 2% cash back on the first $25,000 spent annually at gas stations and restaurants, and 1% cash back on everything else.

The business whose spending is disproportionately on these high-earning categories may stand to benefit more from the Ink Business Cash℠. Keep in mind, however, that there’s a limit to how much cash back you can earn at these enhanced rates, and you’ll earn just 1% cash back in these same categories after you reach your enhanced cash back limit. For that reason, if your business spending far exceeds these limits in these categories (or if your business spending doesn’t fall predominantly into these categories), the Ink Business Unlimited℠ should see you earning more cash back despite the lack of any 5% or 2% cash back spending categories.

Read our Ink Business Cash℠ review to learn more.

Chase Ink Business Unlimited℠ vs. Capital One Spark® Cash for Business

Capital One’s Spark® Cash for Business is one of the few cash back business cards with a superior cash back earning rate to the Ink Business Unlimited℠. The Spark® Cash card lets you earn an unlimited 2% cash back on all purchases. Therefore, the big spending business stands to earn more cash back with this card than with the Ink Business Unlimited℠. However, this is somewhat offset by the Spark® Cash’s $95 annual fee. Additionally, it’s possible to extract more value out of your cash back points with the Ink Business Unlimited℠ as you can transfer your points to other Chase cards and to travel rewards programs, which you can’t do with the Spark® Cash card.

Check out our Spark® Cash for Business review if you’re interested.

Final Verdict

The Ink Business Unlimited℠ card may be the new kid on the Chase block, but with 1.5% unlimited cash back and no annual fee, you’ll be painlessly saving money for your business without having to track revolving rewards categories or anything of that nature. And with the option to transfer your points to other Chase cards and travel rewards programs, your rewards points can become even more valuable than if you use them as cash.

Chase’s business credit cards are quite well-regarded in the industry. We feel the Chase Ink Business Unlimited℠ deserves to be held in high regard as well.

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

Jason Vissers

Jason Vissers

Jason Vissers is a writer and cereal chef from San Diego. He graduated with a Political Science degree from San Diego State University in 2001. He's been writing about website builders, crowdfunding sites, online lenders, and credit cards for Merchant Maverick since 2015. Additionally, Jason can't eat raisins.
Jason Vissers
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