Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

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

  • On Chase's Secure Website
{"align":"center","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","context":" in context: Review Header","className":"AffiliateBannerV2--context-credit-card-nested","cloudinaryImageName":"v1526941910\/ink_unlimited_card_hekk3g.png","disclaimers":["On Chase's Secure Website"],"imageURL":"","isUnavailable":false,"link":"\/redirect\/credit-cards\/1218?url=\/chase-ink-business-unlimited-credit-card-review","name":"Ink Business Unlimited\u2120 Credit Card"}

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

An excellent credit card for businesses that spend fewer than $19,000 per year with their cards.

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."}

4.5/5.0

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.

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 uncapped 1.5% cash back rate on all purchases 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's $500 introductory spending bonus—for making $3,000 in purchases within the first three months of account opening—is one of the best we've seen for a card with no 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 1.5% cash back on all purchases. 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.

  • On Chase's Secure Website
{"align":"align-left","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","context":" in context: Benefits Box","className":"AffiliateBannerV2--context-credit-card-nested AffiliateBannerV2--fluid","cloudinaryImageName":"v1526941910\/ink_unlimited_card_hekk3g.png","disclaimers":["On Chase's Secure Website"],"imageURL":"","isUnavailable":false,"link":"\/redirect\/credit-cards\/1218?url=\/chase-ink-business-unlimited-credit-card-review","name":"Ink Business Unlimited\u2120 Credit Card"}

Ink Business Unlimited℠ Credit Card

  • On Chase's Secure Website
{"align":"align-left","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","context":" in context: Benefits Box","className":"AffiliateBannerV2--context-credit-card-nested AffiliateBannerV2--fluid","cloudinaryImageName":"v1526941910\/ink_unlimited_card_hekk3g.png","disclaimers":["On Chase's Secure Website"],"imageURL":"","isUnavailable":false,"link":"\/redirect\/credit-cards\/1218?url=\/chase-ink-business-unlimited-credit-card-review","name":"Ink Business Unlimited\u2120 Credit Card"}
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
14.99% - 20.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
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."}

Businesses with the Ink Business Unlimited℠ Credit Card can earn an additional $500 cash back bonus if they make at least $3,000 in purchases within the first 3 months of 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 this $3,000 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

  • On Chase's Secure Website
{"align":"align-left","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","context":" in context: Banner","className":"AffiliateBannerV2--context-credit-card","cloudinaryImageName":"v1537539829\/ink-business-preferred_kmp56m.png","disclaimers":["On Chase's Secure Website"],"imageURL":"","isUnavailable":false,"link":"\/redirect\/credit-cards\/1104?url=\/chase-ink-business-unlimited-credit-card-review","name":"Ink Business Preferred\u2120 Credit Card"}

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 three 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:

  • Earn 3 points per dollar spent on the first $150,000 in combined purchases in travel shipping purchases, internet, cable, phone services and advertising with social media site and search engines.
  • Earn 1 point per dollar spent on all other purchases.
  • Annual fee of $95.
  • Ink Business Preferred℠ Credit Card Review

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

{"align":"align-left","buttonColor":"","buttonIcon":"","buttonText":"Read Review","category":"creditcards","context":" in context: Banner","className":"AffiliateBannerV2--context-credit-card","cloudinaryImageName":"v1557501825\/unnamed_1_jecwjx.png","disclaimers":[""],"imageURL":"","isUnavailable":false,"link":"\/capital-one-spark-cash-select-credit-card","name":"Capital One\u00ae Spark\u00ae Cash Select for Business"}

While the Capital One® Spark® Cash Select for Business is also a no-annual fee 1.5% cash back card, the Ink Business Unlimited℠ Credit Card will be the better choice for your business. The Ink Business Unlimited℠ Credit Card offers $500 cash back after spending $3,000 within the first three months, while the Capital One® Spark® Cash Select for Business offers $200 cash back after spending $3,000 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:

  • Unlimited 1.5% cash back on all purchases.
  • Earn a $200 cash back bonus after making $3,000 in purchases within 3 months of account opening.
  • Introductory APR of 0% for 12 months on purchases from opening account. After that, the variable APR is 15.24%–21.24%.
  • Capital One® Spark® Cash Select for Business Review

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

{"align":"align-left","buttonColor":"","buttonIcon":"","buttonText":"Read Review","category":"creditcards","context":" in context: Banner","className":"AffiliateBannerV2--context-credit-card","cloudinaryImageName":"v1530288905\/sparkcash-card-art_niy8ps.png","disclaimers":[""],"imageURL":"","isUnavailable":false,"link":"\/capital-one-spark-cash-credit-card","name":"Capital One\u00ae Spark\u00ae Cash for Business"}

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% unlimited cash back on all purchases—makes up for this card’s annual fee of $95 (waived for the first year). 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 a 2% 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:

  • Unlimited 2% cash back on all purchases.
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first six months of your account opening.
  • Annual fee of $95, waived or the first year.
  • Capital One® Spark® Cash for Business Review

Comments and Questions

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.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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).