Best Offer Ever
The Ink Business Unlimited offers 1.5% cash back on everyday, non-bonus business expenses. (Partner Offer)
At a glance
- 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
At a glance
- 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
- Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Our Take
TPG Editor's Rating
Overview
The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for cash back business expenses in non-bonus earning categories. It can also be paired with another Ultimate Rewards card for optimal value. Because the card is tailored for small businesses, freelancers and sole-proprietors are more likely to be approved.
Pros
- No annual fee.
- A generous $900 cash-back sign-up bonus.
- Flat 1.5% cash back on all purchases.
- Primary insurance for car rentals.
- 0% introductory APR for the first 12 months on purchases (then a variable APR of 18.49% - 24.49% applies)
Cons
- Higher spend to receive sign-up bonus.
- No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
- No travel protections.
Who is this card good for?
This card is perfect for a small business owner that is looking for a flat-rate, cash-back business card. Bonus spending in categories such as travel and dining can be exhausting to track and also not applicable to a lot of businesses. With no annual fee and a 0% intro APR on purchases made within the first 12 months from account earning, this can be a great business card for the right business owner. After that, the variable APR will be 18.49%-24.49%, based on creditworthiness.
Earning Rewards
The Ink Business Unlimited has a very simple earning model: 1.5% cash back on all purchases. There are no rotating or bonus categories and no spending cap on the cash back.