Ink Business Unlimited credit card review: Sign-up bonus worth up to $1,800 in travel - The Points Guy (2023)

Editor’s note: This post has been updated with new information.

Ink Business Unlimited Credit Card overview

The Ink Business Unlimited Credit Card is one of the best business cards with no annual fee because it earns 1.5% back on every purchase. The card also currently has a highest-ever $900 cash bonus, which you can earn after you spend $6,000 within the first three months of opening your account. Card Rating*: ⭐⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The Ink Business Unlimited Credit Card is a small-business card that closely mirrors the popular Chase Freedom Unlimited, but with a much higher introductory bonus. There is no annual fee and its simple rewards structure is more valuable than it looks at first glance.

Although there are other cards that earn 1.5% cash back (or more), with the Ink Business Unlimited card, you earn cash back in the form of Chase Ultimate Rewards points. Those Chase points can become significantly more valuable if you also have a premium Ultimate Rewards card. That's because you can then combine Chase points from your accounts and then transfer them to the Ultimate Rewards program’s various airline and hotel partners.

The Ink Business Unlimited is a business credit card and is thus tailored to those with small businesses. While not everyone is eligible for a business credit card, it may be easier to be approved than you think because freelancing and other sole-proprietor enterprises can count as a business in the eyes of Chase and many other issuers.

Apply now: Ink Business Unlimited Credit Card with a best-ever bonus of $900 after spending $6,000 in the first three months of opening your account.

Who is this card for?

For starters, like nearly all Chase cards, applications for the Ink Business Unlimited are restricted by the 5/24 rule, so you’ll want to double-check that you’re eligible before you apply. That said, since it’s a business credit card, it should not count toward your 5/24 limit after you’ve been approved.

(Video) How to Redeem Chase Points For MAX VALUE (Beginner’s Guide)

Ink Business Unlimited credit card review: Sign-up bonus worth up to $1,800 in travel - The Points Guy (1)

The Ink Business Unlimited has no bonus categories. It earns a flat rate of return on all purchases, so this card is a good match for anyone who doesn’t want to expend mental energy juggling spending categories. If you don’t mind that sort of thing, it’s still a great product to fill in the gaps in non-bonus spending. Match it with a card that offers the best bonus categories for your business, whether it’s for travel, dining, office supplies or online advertising.

The card has no annual fee and offers a 0% introductory annual percentage rate (APR) on purchases for 12 months from account opening. After that, you’ll pay a 17.49% – 23.49% variable APR. It’s a good choice if you’ve got a big purchase coming up that you’ll need to pay off over time.

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Related: Your guide to applying for small-business credit cards

Ink Business Unlimited Sign-up bonus

The sign-up bonus on the Ink Business Unlimited is $900, which you earn after spending $6,000 in the first three months of opening your account. But it can actually be worth much more than $900.

(Video) Chase Ink Unlimited: Chase Trifecta Alternative?

The $900 cash back is earned in the form of uber-flexible Chase Ultimate Rewards points (90,000 points), which you can redeem at a rate of 1 cent each as cash back, gift cards or travel booked through the Chase Travel portal.

However, you can more than double your return (potentially) if you pair the Ink Business Unlimited with a card that earns transferrable Ultimate Rewards points, such as the Chase Sapphire Preferred Card. According to TPG valuations, 90,000 Ultimate Rewards points are worth $1,800. That’s quite a haul on a card that charges no annual fee.

Ink Business Unlimited benefits

You get what you pay for when it comes to benefits, so it’s no surprise that the Ink Business Unlimited doesn’t offer as many perks as other cards with higher annual fees. Its benefits are identical to those offered by Ink Business Cash Credit Card, but they’re not quite as good as the perks offered on the Ink Business Preferred Credit Card. Most notably, you will not get cellphone protection or trip cancellation/interruption insurance.

Here’s a quick rundown of what’s included:

  • Purchase protection: Covers new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Auto rental collision damage waiver: When you rent a car for business purposes using Ink Business Unlimited, you can decline the rental car company’s collision insurance and be covered by the card up to the vehicle’s cash value in the case of theft or collision damage. This is valid on most rentals in the U.S. and abroad, and coverage is primary, which means it applies before your own car insurance policy.
  • Extended warranty: Extends the time period of a U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
  • Employee cards at no additional cost: If employees are allowed to use the account, they will be authorized users and will have equal charging privileges, unless you establish individual spending limits.

How to earn rewards with the Ink Business Unlimited

The Ink Business Unlimited earns 1.5% cash back on all purchases using a straightforward rewards structure that requires no thinking about rotating or bonus categories. This represents both the beauty of this card and its potential downside.

For example, if you buy airfare with this card, you could be forgoing rewards of up to 5 points per dollar that a card like the Chase Sapphire Reserve offers (when booked through the Chase Travel Portal).

The same goes for paying for office supplies or internet service. The Ink Business Cash earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellphone and landline services each account anniversary year (1% thereafter). It also earns 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account year.

Be careful about evaluating this card only on its cash-back value. The unlimited cash-back offered by this card won’t give you the highest return among cash-back business credit cards — if you redeem for cash, anyway.

(Video) Top Must Have Business Credit Cards 2023

How to redeem rewards with the Ink Business Unlimited

There are a few key ways to redeem your rewards: cash back, gift cards, travel or goods and services offered through Chase’s rewards program. If you redeem for cash, you can receive your money as a statement credit or through an electronic deposit into an eligible U.S. checking or savings account. Points redeemed for cash, gift cards or travel are worth 1 cent apiece.

Ink Business Unlimited credit card review: Sign-up bonus worth up to $1,800 in travel - The Points Guy (2)

You can boost your redemption rate to an effective return of 3% (based on TPG’s valuations) on all spending if you move your points to a full-fledged Ultimate Rewards personal or business card, such as:

  • Ink Business Preferred Credit Card.
  • Chase Sapphire Preferred Card.
  • Chase Sapphire Reserve.

The other card must be registered to you, the owner of the company or a member of your household to qualify for a transfer.

The Ink Business Unlimited can represent an incredible value proposition when partnered with any of these other cards. Once you move points to an account that earns Ultimate Rewards, you can transfer them to valuable airline and hotel partners or book travel directly through the Chase portal and receive a flat value for your points (1.5 cents per point with the Chase Sapphire Reserve; or 1.25 cents per point with the Chase Sapphire Preferred or Ink Business Preferred).

Depending on which transfer partner you choose, you could get well over 2 cents per point in value. For example, you could transfer 97,000 points to Singapore Airlines KrisFlyer to book a one-way, first-class flight from New York City to Frankfurt that regularly costs $5,000 or more, getting you nearly six cents per point.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

What cards compete with the Ink Business Unlimited?

The Ink Business Unlimited’s competitors are cards that offer a similar return on all spending. Business credit cards that offer fixed-rate rewards include:

(Video) Chase Ink Business Unlimited | Watch Me Apply! (No Business Needed) 2023

  • Capital One Spark Miles for Business: Earn 2 miles per dollar on all purchases. Earn a sign-up bonus of 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening. The introductory annual fee is $0, then $95 after.
  • Capital One Spark Cash Select for Business: Earn 1.5% cash back on all purchases. Earn a sign-up bonus of $500 once you spend $4,500 on purchases within three months from account opening. This card has no annual fee.
  • The Blue Business® Plus Credit Card from American Express: Earn 2 points per dollar on all eligible business purchases up to $50,000 per calendar year (1 point per dollar thereafter). This card has no annual fee (see rates and fees) and is currently offering an introductory bonus of 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first three months of card membership.

The information for the Capital One Spark Cash Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Blue Business Plus is the only credit card in this bunch that can potentially be more valuable than the Ink Business Unlimited. As American Express Membership Rewards points are worth 2 cents apiece, according to TPG valuations, you’ll earn 4 cents worth of points per dollar spent on purchases that qualify for 2 points per dollar. And these points are immediately transferrable to partners; you don't need to carry another card to enable this functionality.

Bottom line

The Ink Business Unlimited is a valuable option for everyday spending if you pair it with the right card. The Ink Business Cash Credit Card and Ink Business Preferred Credit Card don’t offer a solid return on everyday, non-bonus spending, so this card fills that gap.

You can really maximize your business credit card rewards by pairing the Ink Business Unlimited with one of the other Ink cards and a personal Ultimate Rewards card like the Chase Sapphire Reserve. Watch out for the restrictions of the Chase 5/24 rule, though.

One advantage to opening Chase business credit cards is that they won’t add to your Chase 5/24 count once they’re open, even though applying for them in the first place is subject to the rule. So if you qualify for business credit cards, it’s a smart strategy to apply for a Chase business card before you apply for personal credit cards from Chase or other banks, which will count toward that 5/24 limit.

Official application link: Ink Business Unlimited® Credit Card.

Additional reporting by Ryan Wilcox, Mike Cetera and Joseph Hostetler.

For rates and fees of the Blue Business Plus Card, click here.

(Video) Chase Ink Business Cards: The Ultimate Guide

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.


What credit score is needed for Chase Ink business Unlimited? ›

What credit score do you need to get a Chase Ink business card? To qualify for Chase's Ink business cards, you must have good to excellent credit, which is defined as a FICO credit score of 670 or above. Although these are business cards, Chase will use your personal credit score when considering your application.

What is the rule for Chase ink bonus? ›

To get a Chase Ink bonus, you must spend at least $6,000 within 3 months of opening an account. Plus, you must not have earned a sign-up bonus on that same Ink card in the past 24 months. The Chase Ink account must also be in good standing for the bonus to be paid out.

What are the benefits of the Chase Ink business card? ›

Ink Plus® Business Card Offer Details
  • Earning Points. ...
  • Travel Through Chase Ultimate Rewards. ...
  • Amazon Shop With Points. ...
  • Travel And Purchase Protection. ...
  • Adding An Employee Card. ...
  • No Foreign Transaction Fees. ...
  • Zero Liability. ...
  • Account Alerts.

What is ink business Unlimited? ›

For entrepreneurs who would rather worry about their business than their credit card rewards program, the Ink Business Unlimited® Credit Card from Chase keeps it simple. The card has an annual fee of $0 and offers an unlimited 1.5% cash back on all purchases.

Can I get a Chase credit card with a 550 credit score? ›

Most Chase cards require a score of at least 600, which is about the dividing line between fair and poor credit.

Can I get a business credit card with a 650 credit score? ›

Business owners with poor personal credit (a score below 630) will have a hard time qualifying for a standard business card. Instead, consider a secured card while you work to build your credit score. A secured personal card can help you build your personal FICO score, assuming you use it responsibly.

How often does Chase Ink increase credit limit? ›

Chase, like most other banks, will automatically increase your credit if you are using it responsibly by paying your balance in full and on time. These automatic bumps generally happen every 6 to 12 months.

Does Chase Ink run your credit? ›

Chase will report your account activity to the business credit bureaus, which can help you establish a business credit history. The bank won't report anything other than the initial hard inquiry when you apply to the consumer credit bureaus, unless your account is more than 60 days delinquent.

How long does it take for Chase to give you the 225? ›

Chase will deposit the welcome bonus into your account within 15 days of meeting the requirements. If you close the account within six months of opening it, Chase will deduct the bonus amount at closing.

How long does it take to get approved for a Chase Ink business card? ›

What you should know about the Chase business card approval process: After you submit your application, you may receive a decision instantly. But if Chase needs to collect or review additional information, it can take up to 30 days to get a decision.

Why did I get denied for a Chase business credit card? ›

There can be many reasons why your Chase credit card application was denied. In most cases, it's one of the following: Your credit score is too low. You don't have enough income.

What credit score is needed for a Chase business card? ›

Increase your credit score: Your credit score should be at least 680 when you apply for a Chase business credit card, but having a score of 720 or higher will give you the best chances.

How hard is it to get a Chase Ink business Cash Card? ›

You have the best approval odds with a good to excellent credit score. Having a personal credit score in the mid-700s or higher means you will most likely receive an instant approval decision. However, it's possible to get approved with a score below 740.

How to get approved for Chase Ink business Unlimited card? ›

What You Need for Good Chase Ink Business Unlimited Card Approval Odds
  1. 700+ personal credit score (at least good credit)
  2. Business revenue.
  3. Enough income to pay credit card bills.
  4. Low debt relative to income.
  5. Low housing costs relative to income.
  6. U.S. mailing address.
  7. Age of 18+
  8. Employer Identification Number, if applicable.
Jul 12, 2022

How do I get approved for Chase business Unlimited? ›

Like with most upper-tier rewards cards, the Ink Business Unlimited requires a credit score in the good-to-excellent range to qualify. If you're using the FICO scoring model, which is the type of credit score used by 90 percent of top lenders, that means you'll need a credit score of 670 or higher.

Does Chase Ink business check personal credit? ›

For your gross annual income, you can include money you receive from a job, your businesses and your spouse's income. Even though Chase business cards don't appear on your personal credit report, Chase still needs to check your credit score.


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