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

Many or all of the products here are from our partners that pay us a commission. 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.

Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon 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.
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Credit Score:
Good/Excellent (670-850) Info Icon 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.

Intro APR

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

15.49% - 21.49% Variable

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

Unlimited 1.5% cash back

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

$0

Welcome Offer Info Icon Circle with letter I in it. Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • This business card offers a great one-two punch with a lucrative sign-up bonus plus cash back.

    • 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 $7,500 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.
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
    • 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

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.

$750 sign-up bonus

After using your card to spend at least $7,500 within three months of account opening, you'll earn a $750 bonus. 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 option if you plan to use the credit card long term.

Free employee cards

You can get additional employee cards without paying extra. To get a card for an employee, add them as an authorized user on your account. It's important to remember that you'll be responsible for any charges they make.

0% intro APR

This card has a 0% intro APR on purchases for the first 12 months. Whether you need to buy new equipment, want to expand your business, or have other major expenses that you can't pay for in full, you can use the 0% intro APR for financing. Plus, you can avoid interest charges as long as you make your minimum payments and pay off the balance within 12 months.

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 of $25 or more. With Chase credit cards, the process is simple and customer friendly.

READ MORE: Best Cash Back Business Credit Cards

Consumer and travel protections

Here are the protections offered by the Ink Business Unlimited® Credit Card:

For more options, check out our picks for the best rewards credit cards.

Alternatives to consider

  • If you want to earn bonus rewards: The Ink Business Preferred® Credit Card has an attractive sign-up bonus and earns 3 points per $1 on up to $150,000 spent in several popular business spending categories.
  • If you want to earn cash back on gas, restaurants, travel, and Costco purchases: The Costco Anywhere Visa® Business Card by Citi is an excellent choice. You can earn 4% on gas purchases up to $7,000 each year, 3% on dining and eligible travel, 2% on Costco, and 1% on other purchases made with this card.
As of Oct. 04, 2022
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Image for
Ink Business Preferred® Credit Card

Costco Anywhere Visa® Business Card by Citi

Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon 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 stars
Info Icon 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 Rating Requirement:

Good/Excellent (670-850) Info Icon 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.

Credit Rating Requirement:

Excellent (740-850) Info Icon 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.

Welcome Offer: Welcome Offer info Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Earn 100,000 bonus points

Welcome Offer:

N/A

Rewards Program: Info Icon Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases.

Earn 3 points per $1 in select business categories

Rewards Program: Info Icon Circle with letter I in it. 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases

1% - 4% back

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

18.24% - 23.24% Variable

Regular APR:

18.24% (Variable)

Annual Fee: Annual Fee Tooltip N/A

$95

Annual Fee:

$0 for Costco members

Highlights:

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Highlights:

  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
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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% fee 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.

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.

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