Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear), but our reviews and ratings are not influenced by compensation. We do not include all companies or all offers available in the marketplace.
    |    Accessibility Options

Chase Ink Business Unlimited Review: 1.5% Back on All Your Business Spending

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Ink Business Unlimited® Credit Card is made for business owners who want easy-to-use benefits without an annual fee. It earns an unlimited 1.5% cash back across all spending categories and comes with a generous sign-up bonus. This card also has a 0% APR intro offer that saves you money on purchases you finance. Read our Ink Business Unlimited® Credit Card review to learn more.

Ratings Methodology

Ink Business Unlimited® Credit Card

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 24.49% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • Want to simplify your business credit card rewards? Take a closer look at this Chase card, which lets you earn a flat-rate 1.5% cash back across the board. The $750 cash back welcome bonus only sweetens the deal, and you won't pay an annual fee -- or any extra money for cards for your employees.

    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 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.
    • 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.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Full Chase Ink Business Unlimited review

This credit card is a good fit for: Business owners who want a straightforward cash back card with a robust bonus offer and/or a 0% intro APR for financing large purchases.

Top perks

The Ink Business Unlimited® Credit Card has several quality perks that can help you save money.

Earn $750 bonus cash back

Earn $750 bonus cash back after using your card to spend at least $6,000 within 3 months of account opening. That's one of the more valuable sign-up bonuses we've come across.

Unlimited 1.5% back

This card earns 1.5% on purchases. That rewards rate is competitive with what other business cards and cash back cards offer.

COMPARE TOP PICKS: Best Business Credit Cards

No annual fee

You won't be adding to your business expenses with the Ink Business Unlimited® Credit Card, because it doesn't charge an annual fee. Getting a no annual fee card is an excellent choice if your business isn't spending that much yet, since you may not get your money's worth from an annual fee card.

Free employee cards

You can get employee cards at no additional cost and earn cash back on the purchases they make. To get a card for an employee, add them as an authorized user on your account. You can also set individual spending limits on employee cards. Remember that you're responsible for any charges your employees make on their cards.

READ MORE: How to Add an Authorized User With Chase

0% intro APR for 12 months

This Chase business card has a 0% intro APR on purchases for the first 12 months. Whether you plan to buy new equipment, expand your business, or have other major expenses you can't pay in full, you can use the 0% intro APR to pay it off over time. Once that intro period ends, the go-to 18.49% - 24.49% Variable APR applies going forward. Aim to pay off everything within those 12 months so you can avoid interest charges entirely.

Convenient redemption process

With this card, you can redeem as little as $0.01 in cash back. And you can redeem your cash back as a statement credit toward your credit card bill or have the cash back directly deposited into your bank account. This may not seem like a big deal, but some credit cards make it more difficult to get your cash back with stricter rules or redemption minimums (I've seen minimums as high as $25!). With Chase credit cards, the process is simple and customer friendly.

READ MORE: Best Cash Back Business Credit Cards

Consumer and travel protections

The Ink Business Unlimited® Credit Card has a few useful complimentary protections. For car rentals, it offers auto rental collision damage waiver covering theft or collision damage for most cars in the United States and abroad. For eligible purchases, it offers:

What could be improved

There are a couple of small drawbacks to this business credit card.

No balance transfer offer

While this card has a 0% intro APR on purchases, it doesn't offer a 0% introductory rate on balance transfers. If you want a business card you can use to refinance existing credit card debt, you'll need to check out other credit card reviews.

Foreign transaction fee

You'll pay an extra 3% of each transaction in U.S. dollars on foreign transactions. Business owners who travel internationally should pick cards without foreign transaction fees, such as travel rewards cards, to keep costs down. Otherwise, these fees can get expensive.

RELATED: Best Travel Rewards Credit Cards

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare cards

Suggested credit score

A FICO® Score of at least 670 is recommended when applying for the Ink Business Unlimited® Credit Card. This card is intended for business owners with credit scores in the good credit range.

If you're wondering whether you're eligible for a business credit card, any type of business qualifies. That includes sole proprietorships and side hustles. Even if your business isn't bringing in revenue yet, you could still be approved based on your personal income.

Make sure you pass Chase's 5/24 rule if you're going to apply for this credit card. This is a restriction Chase has where it almost always denies an application if the consumer has already opened five or more credit cards in the previous 24 months.

LEARN MORE: A Guide to Chase's 5/24 Rule

The Chase Ink Business Unlimited is right for you if:

You're looking for a great all-around business credit card with a solid cash back rate and 0% intro APR. Here are a few situations where the Ink Business Unlimited® Credit Card works well:

  • You want to save money by earning cash back on your business expenses.
  • You have business expenses you want to finance without paying interest charges.
  • You're looking for a no annual fee business credit card.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. N/A 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.24% - 28.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on travel purchases 		Up to $300 cash back Circle with letter I in it. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. 1.5% - 5% cash back Circle with letter I in it. Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Intro: Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular: 20.49% - 29.24% Variable

Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for travel and points transfers 		60,000 bonus points Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Intro: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular: 21.49%-28.49% Variable

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • According to Chase, the minimum credit limit for the Ink Business Unlimited® Credit Card is $3,000. Credit limits above $25,000 may require additional review.

  • Yes, any eligible business owner can apply for the Ink Business Unlimited® Credit Card, including those who have startups or are in the early stages of launching a business.

  • No, the Ink Business Unlimited® Credit Card is made of plastic.

Our Credit Cards Experts

Lyle Daly
By: Lyle Daly

Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

Nathan Alderman
Check IconFact Checked Nathan Alderman

Fact checker

Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.