Best for business travelers

The Ink Business Unlimited offers 1.5% cash back on everyday, non-bonus business expenses.

At a glance

  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
$750
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Up to 29.99%
25.74% Variable
13.99% - 19.99% Variable
13.99% - 19.99% Variable
0% Intro APR on Purchases for 12 Months
$0

At a glance

  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
$750
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Up to 29.99%
25.74% Variable
13.99% - 19.99% Variable
13.99% - 19.99% Variable
0% Intro APR on Purchases for 12 Months
$0
  • Earn $750 bonus cash back after you spend $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Our Take

TPG Editor's Rating

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4/5

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 $750 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 13.49% - 19.49% 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 13.49%-19.49%, 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.

Frequently asked questions