Chase Ink Business Unlimited℠ Credit Card: One of the Best Business Credit Cards

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

Editor's Rating

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An excellent credit card for businesses that spend fewer than $19,000 per year with their cards.
Ink Business Unlimited℠ Credit Card
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Editor's Rating

?
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","showIcon":false,"tooltipLabel":"?"}

An excellent credit card for businesses that spend fewer than $19,000 per year with their cards.
Ink Business Unlimited℠ Credit Card
This product is not available through ValuePenguin.
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The Ink Business Unlimited℠ Credit Card is an excellent choice for businesses that want a no-annual-fee cash back credit card. This card is also part of the Chase Ultimate Rewards family of cards, giving it the ability to function as an excellent points card when paired with the Ink Business Preferred℠ Credit Card.

Review: Our Thoughts on the Ink Business Unlimited℠ Credit Card

The Ink Business Unlimited℠ Credit Card's cash back rate, which lets you Earn unlimited 1.5% cash back on every purchase made for your business, puts it with the Capital One® Spark® Cash Select for Business, as one of the best no-annual-fee flat-rate cash back business credit cards. There may be other cards that have the potential to offer more value for businesses that have spending that is concentrated to a few select categories.

While the Ink Business Unlimited℠ Credit Card is perfectly fine on its own, it really shines when it is paired with other cards that earn Chase Ultimate Rewards (UR), such as the Ink Business Preferred® Credit Card. Businesses with both of these cards can pool the points earned with the Ink Business Unlimited℠ Credit Card into their Ink Business Preferred℠ Credit Card account, where they will increase in value by 25% when redeemed for travel. This effectively increases this card's rewards rate from 1.5% to 1.875%, making it the best flat-rate cash back business card with no annual fee.

In terms of short-term rewards, the Ink Business Unlimited℠ Credit Card lets you Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening, making it one of the best we've seen for a card with a $0 annual fee. Furthermore, if this card is paired with the Ink Business Preferred® Credit Card, as we discussed previously, this bonus could be potentially worth $625 when redeemed for travel.

Bottom Line: The Ink Business Unlimited℠ Credit Card is one of the best cash back cards available for businesses that spend under $19,000 per year or already have the Ink Business Preferred℠ Credit Card. For spending over $19,000, we recommend the Capital One® Spark® Cash for Business.

Benefits and Features

The Ink Business Unlimited℠ Credit Card lets businesses Earn unlimited 1.5% cash back on every purchase made for your business. This card differs from many of its competitors by making these rewards earnings unlimited, as opposed to capping them at a certain amount of spending per year.

Businesses with the Ink Business Unlimited℠ Credit Card can Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. This is one of the highest bonuses we've seen on a business card with no annual fee. It's worth noting that balance transfers, interest and fees do not count toward the spending requirement.

Redeeming Rewards

Cash back rewards actually come in the form of Chase Ultimate Rewards points, which can be redeemed for cash back at a rate of 1 cent per point. However, if you happen to have the Ink Business Preferred℠ Credit Card, you can pool your points under that account, where they will be worth 25% more when redeemed for travel through the Ultimate Rewards portal. This changes this card’s effective rewards rate from 1.5% to 1.875%.

Other Benefits

The Ink Business Unlimited℠ Credit Card allows businesses to add employees’ cards at no additional cost. Furthermore, it also allows credit card account managers the ability to set spending limits for employee cards. This functionality can be incredibly useful for businesses managing and tracking lots of employee expenditures.

How Does the Ink Business Unlimited℠ Credit Card Compare to Other Credit Cards?

When shopping for credit cards, it's important to consider a wide variety of options. That way, you have a better sense of how valuable a card is. Below, we've compared the Ink Business Unlimited℠ Credit Card to some the top business credit cards available.

Ink Business Unlimited℠ Credit Card vs. Ink Business Preferred℠ Credit Card

Ink Business Preferred® Credit Card
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The Ink Business Preferred℠ Credit Card is worth getting if your company spends more than $4,225 per year in travel, shipping purchases, internet, advertising, and cable and phone services. On these purchases, the Ink Business Preferred℠ Credit Card earns 3 Chase Ultimate Reward (UR) points per $1 spend, which are worth 1.25 cents each when redeemed for travel through the UR travel portal.

Businesses can get excellent value by getting both the Ink Business Preferred℠ Credit Card and the Ink Business Unlimited℠ Credit Card. With both cards, businesses will have the ability to pool points earned with the Ink Business Unlimited℠ Credit Card into your Ink Business Preferred℠ Credit Card UR account, where they will be worth 25% more when redeemed for travel. This increases the rewards rate of the Ink Business Unlimited℠ Credit Card from 1.5% to 1.875%.

Highlights:

Ink Business Unlimited℠ Credit Card vs Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business
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While the Capital One® Spark® Cash Select for Business also lets you earn 1.5% Cash Back on every purchase, the Ink Business Unlimited℠ Credit Card will be the better choice for your business. The Ink Business Unlimited℠ Credit Card lets you Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening, while the Capital One® Spark® Cash Select for Business offers a $200 sign-up bonus for spending $3,000 on purchases within the first 3 months. This is a $300 difference for the same amount of spending. Also, if your company already has the Ink Business Preferred℠ Credit Card, then the Ink Business Unlimited℠ Credit Card's rewards rate will effectively increase to 1.875% (as we mentioned above)—25% greater than that of the Capital One® Spark® Cash Select for Business.

Highlights:

  • 1.5% Cash Back on every purchase
  • Earn a $200 sign-up bonus for spending $3,000 on purchases within the first 3 months
  • Save on interest with 0% on purchases for 9 months on new purchases; 14.49% - 22.49% (Variable) APR after that
  • Capital One® Spark® Cash Select for Business Review

Ink Business Unlimited℠ Credit Card vs Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business
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Businesses that spend over $19,000 per year will get a better value with the Capital One® Spark® Cash for Business than they would with the Ink Business Unlimited℠ Credit Card. If your business is able to spend this much, then the increased rewards—of 2% Cash Back for your business on every purchase, everywhere — makes up for this card’s annual fee ($0 Intro Annual Fee for the first year then $95). The only downside with the Capital One® Spark® Cash for Business is that it doesn't have any synergy with other Capital One credit cards. Therefore, you will be forever capped at the same rewards rate. For some business owners, that will be enough. However, if you're an optimizer who wants to collect points and redeem them for flights or hotels, you should get the Ink Business Unlimited℠ Credit Card and pair it with the Ink Business Preferred℠ Credit Card.

Highlights:

  • 2% Cash Back for your business on every purchase, everywhere
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Annual fee of $0 intro for first year; $95 after that
  • Capital One® Spark® Cash for Business Review

The information related to the Ink Business Preferred&#8480 Credit Card and Ink Business Unlimited℠ Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Bailey is a Research Analyst at ValuePenguin, covering insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science. Bailey's analysis has been featured by CNBC, the Houston Chronicle and the National Transportation Bureau Safety Board.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

Ink Business Unlimited℠ Credit Card
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