Ink Business Unlimited℠ Credit Card

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Last updated on November 10th, 2021

Ink Business Unlimited Credit Card

Earn $750 Bonus Cash Back

Ink Business Unlimited Credit Card
  • Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 12 months from the date of account opening
  • Processing Network Visa
Best Benefits
  • $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening
  • Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
  • 0% intro APR for 12 months from account opening on purchases. After that, 13.24%–19.24% variable APR
  • Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards
  • Employee cards at no additional cost
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months from the date of account opening
  • Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 13.24% to 19.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
Credit Card Deals

At a Glance

Whether your small business is in its early stages or already an established international name, the Ink Business Unlimited℠ card from Chase is a worthwhile option for taking care of expenses – both expected and unexpected.

Ideal for Those Who:

  • Own a small business
  • Make frequent purchases across multiple categories
  • Want to earn cash back from your business expenses
  • Manage employees who will use their own issued cards

Ink Business Unlimited℠ Card Review

The Chase Freedom Unlimited is an exceptionally popular consumer credit card that earns 1.5% back on all eligible purchases. The Ink Business Unlimited℠ recaptures this magic and gives businesses the tools they need, all in one package.

Introductory Cash Back Bonus

What makes the Ink Business Unlimited℠ a viable all-around option is the fact that you’ll earn 1.5% cash back on any eligible purchase for your business, regardless of what it is. However, if you prefer heftier rewards for specific categories that you spend more on – such as office supplies or flights – you’ll be better off with the Ink Business Cash℠ or the Ink Business Preferred℠.

How to Redeem Rewards

Cash back through the Ink Unlimited Card applies towards redemptions through the Chase Ultimate Rewards portal. This loyalty program offers exceptional value for money, with a huge assortment of award options, including:

  • Travel
  • Points transfers with select partners
  • Shopping
  • Statement credits
  • Donations
  • Gift Cards

Given that cardholders choose a cash back card, that is likely the preferred redemption option. Choosing this award, companies can expect to receive a value of one cent per point (or one cent per dollar spent).

0% Introductory APR

Another valuable benefit of the Ink Business Unlimited℠ is its introductory 0% APR period on purchases, followed by a variable APR after that based on creditworthiness and the Prime Rate. If you need to make a sizable purchase for your company, you’ll want to align its timing with opening an account for this card to enjoy 12 months of zero interest.

Additional Employee Cards

If you have multiple employees who will require additional cards issued, Chase conveniently allows you to set individual spending limits so you can stay on top of your business’ expenses. Plus, your staff’s purchases will also earn 1.5% cash back, effectively multiplying your rewards earning rate.

Should You Apply for the Ink Business Unlimited℠ Card from Chase?

The Ink Business Unlimited℠ Card from Chase is a great cash back card for companies that don’t want to pay an annual fee but still want to earn unlimited 1.5% back on every purchase. The relatively easy to achieve $750 cash back sign up bonus is a great perk, but the 1.5% back is the real star. With the addition of employee cards at no additional cost, those rewards can add up very quickly.

The Chase Ultimate Rewards portal is among best loyalty programs available, so those cash back rewards will have significant value when used for options other than cash back. This is especially trey for travel. But, since the card is an unlimited version of the Ink Cash Back Card, most businesses will likely stick to this option. Even here, however, they’ll get exceptional value.

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