Ink Business Unlimited® Credit Card: Unlimited 1.5% Cash Back
- Annual fee
- $95
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 20.74% to 25.74% Variable
At a glance
The Ink Business Preferred® Credit Card is a versatile small business credit card that simultaneously helps propel your business forward and rewards you for using it often.
Our review of the Ink Business Unlimited® Credit Card
The Chase Ink Business Unlimited® Credit Card offers businesses the simplicity and unlimited cash back rewards they desire. This card is perfect for companies that prefer straightforward rewards without the hassle of confusing categories.
Who Is the Ink Business Unlimited for?
The Ink Unlimited Card is ideal for those who value simplicity in their credit card rewards. With unlimited 1.5% cash back on all purchases, this card is perfect for businesses of all sizes that want to earn rewards on every dollar spent, whether it’s on toner, tacos, or a trip to Tahiti.
What Credit Score Does Chase Require for Ink Cards?
Chase typically looks for applicants with good or excellent credit scores when considering business card applications. It’s important to have a FICO Score of at least 670 to improve your chances of approval.
Application Requirements
Chase’s business card application process is straightforward and similar to other major banks. Sole proprietorships, freelancers, corporations, and other types of businesses can apply for Ink cards. Here’s what you need to provide:
1. Legal name and contact address of your business
2. Basic information about your business, including industry type and annual revenue
3. Tax ID number (EIN)
4. Estimated monthly spend on the card
5. Personal credit history
Remember to keep in mind the Chase 5/24 Rule, which limits approval for applicants with five or more credit card applications in the last 24 months.
Chase offers an online pre-approval tool for personal credit cards, but not for business cards. However, you may receive pre-qualified mail or email offers from Chase based on your credit profile.
Impressive Welcome Offer
New Ink Business Unlimited accounts can earn a $900 bonus cash back after spending $6,000 on purchases in the first three months. This welcome offer makes it easy to earn rewards for companies planning to issue multiple employee cards.
Earn Unlimited 1.5% Cash Back
The Ink Business Unlimited® Credit Card earns 1.5% cash back on all eligible purchases, with no caps on rewards and rewards that never expire as long as the account is active.
How to Redeem Cash Back
Chase Ultimate Rewards portal offers various redemption options, including travel, shopping, statement credits, donations, gift cards, and points transfers with select partners.
0% Intro APR
Enjoy an introductory 0% APR on purchases for 12 months with the Ink Business Unlimited® Credit Card, followed by a variable APR based on creditworthiness.
Complimentary Employee Card
Set individual spending limits and earn 1.5% cash back on purchases made by employees with complimentary employee cards.
Visa Business Protections
Benefit from essential purchase and fraud protections, including Zero Fraud Liability, Roadside Dispatch, Cardholder Inquiry Services, Purchase and Extended Protection, and more.
Mobile App
Manage spending limits, organize receipts, and label purchases with the Chase mobile app for streamlined expense management.
Ink Unlimited Business Card Comparisons
Compare the Ink Business Unlimited® with other Chase Ink business cards and alternative business cards like Ramp Visa Card, Revenued Business Card, BILL Divvy Corporate Card, and more.
What We Like About the Ink Business Unlimited®
The Ink Business Unlimited® Credit Card offers a generous welcome offer, unlimited 1.5% cash back on all purchases, and a range of redemption options through Chase Ultimate Rewards.
Things to Consider
While the Ink Business Unlimited® has its benefits, it may not offer the highest cashback rates in specific categories, and it lacks special travel perks compared to other Chase cards.
Chase Ink FAQs
Find answers to common questions about Chase Ink business credit cards, including credit pulls, credit bureau usage, reporting timelines, customer service contact information, and the number of Ink cards you can have.
Overall, the Chase Ink Business Unlimited® Credit Card is a solid choice for businesses seeking simplicity, unlimited cash back rewards, and a range of benefits to help manage expenses effectively.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Who this card may suit
- You own or operate a business
- You travel often, especially work-related travel
- You make recurring purchases for your business
- You have excellent credit personally, or with their business
- You are part of a Chase-partnered frequent travel program
Rates, fees and terms
| Annual Fee | $95 |
|---|---|
| Regular Purchase APR | 20.74% to 25.74% Variable |
| Balance Transfer APR | 20.74% to 25.74% Variable |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.74% Variable |
| Cash Advance Transaction Fee | Either $15 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Up to 29.99% Variable |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Ink Business Unlimited® Credit Card
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