Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
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.
0% introductory APR for the first 12 months on purchases (then a variable APR of 14.74% - 20.74% applies)
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 14.74%-20.74%, based on creditworthiness.
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
Is the Ink Business part of Chase’s 5/24 rule?
The Ink Business card is issued by Chase, so it does follow Chase’s unofficial 5/24 limit when it comes to being approved. But because the Ink Business Unlimited is a business card, it will not count towards the 5/24 limit either.
Can I combine the Ink Business Unlimited card with my other Ultimate Rewards cards?
The Ink Business Unlimited can be moved to an Ultimate Rewards card, personal or business, if the primary cardmember for both cards is the same. With this option, the Ink Business Unlimited provides incredible potential value for flyers.
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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.