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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Ink Business Unlimited Credit Card review: Simple cash back with surprising long-term value
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
June 17, 2026 • 12 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
This business card is recommended for small-business owners seeking simplicity and flexibility in rewards.
It offers a flat cash-back rate on most purchases, with no need to track bonus categories or spending caps.
The card's value increases when paired with a premium rewards card, allowing for conversion of cash back into transferable points for airline and hotel redemptions.
Employee cards are available at no additional cost, and the card includes useful shopping protections and primary rental car coverage for business rentals.
What to consider
The card is best suited for those who may want to pursue travel rewards in the future, as maximum value requires pairing with another premium rewards card.
Business owners focused solely on maximizing cash back may find higher flat-rate options elsewhere.
Eligibility may be affected by the 5/24 rule, which limits approval if you have opened five or more personal credit cards in the past 24 months.
What you'll miss from the article
A detailed comparison of this card with other leading business cards, including pros, cons and which types of business owners each card best serves.
Generated by AI with support from our editorial team.
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.
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Highest Offer Ever
Ink Business Unlimited® Credit Card
TPG Editor's Rating4 / 5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
I’ve had the (see rates and fees) for seven years, and it’s one of the easiest business credit cards to recommend to small-business owners. The card charges no annual fee, earns a straightforward 1.5% cash back on most purchases and doesn’t require you to keep track of bonus categories or spending caps.
If you’re looking for the absolute highest return on everyday spending, there are business cards that earn 2% cash back on every purchase. But for business owners who value simplicity, flexibility and the ability to eventually earn travel rewards, the Ink Business Unlimited remains one of the strongest no-annual-fee options on the market.
Card rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Ink Business Unlimited: The basics
If you’re considering the , here’s what you need to know:
Annual fee: $0
Earning rate: Earn at least 1.5% cash back on all purchases
Employee cards: Complimentary employee cards with the ability to earn rewards on employee spending
Best for: Business owners who want simple rewards and the option to convert rewards into Chase Ultimate Rewards points later with an eligible card
LUIS ALVAREZ/GETTY IMAGES
While I think this card works well as a stand-alone cash-back product, its real strength comes when it’s paired with an eligible premium Chase card such as the (see rates and fees) or one of the Sapphire cards.
That’s because pairing the Ink Business Unlimited with one of these cards lets you convert your cash back into transferable Chase Ultimate Rewards points, unlocking potentially more valuable airline and hotel redemptions.
Ink Business Unlimited pros and cons
Pros
Cons
No annual fee
Unlimited 1.5% cash back on most purchases
Cash back can be converted into Ultimate Rewards points (with an eligible Chase card)
Complimentary employee cards
Other business cards earn 2% cash back on all purchases
Limited bonus categories
Travel protections are relatively basic
Requires another Chase card to unlock maximum value
Ink Business Unlimited benefits
One reason I’ve kept the for the best part of a decade is that it costs nothing to hold. Even if I go through periods where I’m using other cards more frequently, there’s no pressure to justify an annual fee.
While it can't compete with premium business cards when it comes to luxury travel perks, the Ink Business Unlimited still offers several useful benefits that can provide value for small-business owners.
Employee cards at no additional cost
The Ink Business Unlimited allows you to add employee cards at no additional cost. That’s a useful feature for growing businesses because you can earn rewards on employee spending while keeping expenses centralized.
HERO IMAGES/GETTY IMAGES
Shopping protections
The Ink Business Unlimited includes useful shopping protections that many business owners overlook.
Eligible purchases are covered against damage or theft for up to 120 days from the purchase date (up to $10,000 per claim and $50,000 per account). The card also extends eligible U.S. manufacturers’ warranties by an additional year on warranties of three years or less.
I wouldn’t choose this card specifically for its shopping protections, but they’re valuable benefits to have on a no-annual-fee business card.
Primary rental car coverage
When renting a vehicle for business purposes and paying with the Ink Business Unlimited, you can receive primary collision damage waiver coverage, which is a rare perk on a no-annual-fee card.
This is one of the most underrated benefits of select Chase business cards because primary rental coverage can save you from filing a claim with your personal auto insurer after a covered incident.
How to earn and use your rewards
The 's rewards structure is one of the simplest in the business credit card space. While it can function as a straightforward cash-back card, its flexibility makes it especially appealing.
Earning rewards
The Ink Business Unlimited earns:
5% cash back on Lyft rides (through Sept. 30, 2027)
1.5% cash back on all other purchases
That’s it.
ANDRESR/GETTY IMAGES
Some business owners may see the lack of bonus categories as a drawback. Personally, I’ve always appreciated how easy this card is to use.
I don’t have to think about whether a purchase qualifies for a bonus category — I simply know I’m earning at least 1.5% back.
