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Chase Ink Business Unlimited Review 2025: My Top Pick for Easy Cash Back

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.

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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 that our product ratings are not influenced by compensation. The information related to Ink Business Unlimited® Credit Card has been collected by The Motley Fool and has not been reviewed or provided by the issuer or provider of this product or service.

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Back when I owned a couple of LLCs for my rental property business, I searched high and low for the best business credit card to cover all my expenses. After a lot of digging (and a few rookie mistakes), I found myself right back where I already banked -- with Chase.

The Ink Business Unlimited® Credit Card (see ) was one of the first cards I applied for, and it's still the first one I recommend today to side hustlers and small business owners. If you're looking for straightforward, unlimited cash back without annual fees or complicated categories, this card could be the perfect match.

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Chase Ink Business Unlimited

Running my rental business was exhausting. Honestly, I didn't have time for "points hacking" or figuring out a complicated rewards system. I just needed a credit card that worked -- and would quietly earn rewards in the background.

That's why I chose the Ink Business Unlimited® Credit Card over other small business credit cards. Flat cash back, no special tracking, no additional attention required. I could just spend and earn cash back.

Here are the main drivers for getting this card.

Unlimited 1.5% cash back

This card earns a simple 1.5% cash back on every purchase. It's perfect for busy business owners who don't have time to memorize bonus categories.

For example, let's say you spend $50,000 annually on business expenses. You'll get $750 cash back. Easy money.

No annual fee

When you're running a business, every dollar counts. I'm not against paying for great business tools when they're worth it -- but honestly, it's nice having a card that doesn't charge an annual fee. The $0 annual fee means you can carry this card year after year without worrying if you're "getting your money's worth."

Big sign-up bonus

Right now, new cardholders can earn $900 bonus cash back after you spend $6,000 in the first 3 months from account opening.

For most small businesses, hitting that $6,000 mark can happen faster than you think. When I first got the card I slapped a $5,500 air conditioner bill on it in the first month! It was sad to pay that bill, but nice knowing a hefty bonus credit was right around the corner.

Pro tip: If you're trying to hit the minimum spend, think about prepaying for things your business will need anyway -- like future supplies, travel, or inventory. With the 0% Intro APR on Purchases for 12 months, it's like giving yourself a no-interest loan to spread out those costs. (The go-to 17.24% - 23.24% Variable APR applies at the end of the intro period.)

Downsides you should consider

I honestly don't have much to complain about when it comes to the Ink Business Unlimited® Credit Card. That said, it's definitely more of an entry-level business card -- so you won't find a lot of luxury perks or premium travel benefits like you might with higher-end cards.

No bonus categories

If your business spending is heavily weighted toward a specific category (like gas stations, restaurants, or advertising), you can probably earn a better rewards rate with a category specific card.

Tip: If you want more bonus categories, check out the Ink Business Cash® Credit Card.

Limited travel benefits

If travel is a big part of your business, this might not be the best card for you. You won't get airport lounge access, travel credits, and you'll pay a foreign transaction fee of 3% of each transaction in U.S. dollars. If maximizing travel rewards is a major goal, you might want to pair this card with something like the Ink Business Preferred® Credit Card down the road.

Is the Chase Ink Business Unlimited worth it?

My two cents: Absolutely.

If you don't want to stress about reward points or different types of spending, the Chase Ink Business Unlimited is totally the card for you. The flat 1.5% cash back rate and $0 annual fee is just easy.

When my rental business started to wind down, I didn't have to worry about annual fees or keeping up high spending to make the card worth it. There's zero stress with this card.

Oh yeah, the sign-up bonus is super generous, too! It's one of the easiest welcome offers to qualify for.

How to apply for the Chase Ink Business Unlimited

Getting a business card is just like getting a personal card. Here's the full process and what you'll need to apply.

Step 1: Gather your business information

Before you start the application, make sure you have your business details ready. You'll need:

  • Legal business name (or your own name if you're a sole proprietor)
  • Employer Identification Number (EIN)
  • Business structure (LLC, sole proprietorship, partnership, etc.)
  • Business address and phone number
  • Industry type and business category
  • Number of employees
  • Annual business revenue and estimated monthly spend

Tip: If you're a freelancer or side hustler, don't stress! You can apply using your Social Security number instead of an EIN.

Step 2. Visit the application page

Click this direct link to start. If you're an existing Chase member you can log in with your business credentials. Or, you can just proceed as a guest.

It usually takes about 10 minutes to fill everything out. Chase will ask for your personal information too, like your SSN, date of birth, address, etc. They'll also want to know your position in the company (eg. Owner, Treasurer, President)

Step 3: Complete the financial sections

Chase will want a quick snapshot of your financials. They'll ask how much you plan to spend on the card, and how much income you have (or will have in the future) to cover the card payments.

Be completely honest in this section. Even if your business is brand new with little or no revenue yet, Chase still approves many new businesses based on strong personal credit. (They did for me!)

Step 4: Review and submit your application

Before you hit submit, double-check all your information for accuracy. Typos or inconsistencies can cause delays or even an instant denial. When it's all looking good, submit your application.

You might get an instant decision, but in some cases, Chase might need a few extra days to review everything.

Step 5: Watch for approval (and possible follow-up)

If approved, you should get your Ink Business Unlimited® Credit Card in the mail within seven to 10 business days. Occasionally, Chase might request extra documents to verify your business like a utility bill, bank statement, or business license. Just be ready to respond quickly if they reach out!

Overall, the process is quick and beginner-friendly -- you don't need a massive business empire or fancy paperwork to get started.

Final thoughts

The Ink Business Unlimited® Credit Card is a perfect entry level business card. There's a $0 annual fee, and you'll earn a simple 1.5% cash back on every purchase.

I've been banking with Chase for years. Both personally and for my LLCs. It offers a ton of support for small business owners, and I've had nothing but great experiences with its customer service.

If you want a no-stress way to earn steady cash back from your business expenses, this card is a fantastic choice.

Ready to simplify your business spending? Apply for the Ink Business Unlimited® Credit Card today.

FAQs

  • Yep! You don't need an incorporated business to get this card. Freelancers, Etsy sellers, and even Uber drivers can apply using their legal name and Social Security number. This is actually super common.

  • Chase typically looks for good to excellent credit -- generally a score of 680 or higher -- to approve applicants.

  • Chase may report to your personal credit bureau if you default or miss payments, but under normal circumstances, your regular business spending stays separate from your personal.