What is the average credit score needed to get approved for Ink Business Unlimited® Credit Card?

You need a good-to-excellent credit score to get approved.

Does Ink Business Unlimited® Credit Card report to all three credit bureaus?

Yes, but only when payments are late.

Is the Ink Business Unlimited® Credit Card application process lengthy? Can you prequalify?

Application is simple and fast, especially if you already have a Chase account.

What information is needed to apply for Ink Business Unlimited® Credit Card?

You need to provide information like your name, address, date of birth, Social Security number, contact information and financial information.

Does Ink Business Unlimited® Credit Card have good customer service or satisfaction?

Chase has a reputation for excellent customer service and offers 24/7 service over the phone. You can also use the online account and mobile app to get in touch with support.

Does Ink Business Unlimited® Credit Card have a mobile app or the option to pay or manage your account online?

Yes, you can manage your account from the website or mobile app.

Does Ink Business Unlimited® Credit Card raise credit limits automatically or charge for limit increases?

Your credit limit might increase automatically over time if you use the card responsibly. Otherwise, you can also get in touch with Chase to manually extend your credit limit.

Does Ink Business Unlimited® Credit Card offer the option to freeze your credit/account or have other security features?

The card comes with several security features including real-time fraud detection and zero-liability protection. You can freeze your card at any time.

Does Chase offer other credit cards besides Ink Business Unlimited® Credit Card?

Chase offers several other credit cards, including the similarly business-focused Ink Business Cash.

Ink Business Unlimited® Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Ink Business Unlimited® Credit Card
A great business card with a flat, simple rewards structure and no annual fees.
- 1.5% Cash BackRewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Ink Business Unlimited® Credit Card is a practical choice for small business owners seeking simplicity and value. Its straightforward unlimited cash back rate on all purchases means you don't need to worry about tracking bonus categories. With a generous welcome offer, it's a great choice if you anticipate significant initial expenses. Plus, you won't have to think about offsetting the cost of this card, as there is no annual fee. Free employee cards will also help consolidate business expenses and accelerate rewards earning. However, due to its foreign transaction fee and lack of intro APR for balance transfers, you may want to explore other options if you have frequent international expenditures or need to transfer a balance transfer. The Ink Business Unlimited® Credit Card is a versatile card offering substantial rewards and benefits for most small businesses.
Pros
No annual fees
Flat 1.5% cash back
A welcome bonus of $900
0% intro APR for 12 months, then a variable APR of 17.49% – 23.49%

Cons
No bonus categories, so some other cards offer more rewards for targeted use cases
A small business card with $900 bonus cash back, unlimited 1.5% cash back, 0% intro APR for the first 12 months and other features.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

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In this review of the Ink Business Unlimited® Credit Card, we discuss the pros and cons of the card and how it can benefit small business customers who want to build business credit and earn rewards without having to navigate complicated rewards categories. The advantages of this card include zero annual fees, a welcome bonus of $900 and a flat 1.5% unlimited cash back on all business purchases.

Ink Business Unlimited® Credit Card Overview

With the Chase Ink Business Unlimited card, you can earn a flat, unlimited 1.5% cash back on all business purchases. The unlimited cash back makes it a great choice for users with high monthly expenses. There is also a bonus for new cardholders to the tune of $900 cash back if your total expenses exceed $6,000 in the first three months.

The card also offers an introductory 0% APR for the first 12 months, then a variable APR of 18.49% – 24.49% and lets users redeem their rewards through the Chase Ultimate Rewards program in many different ways. You can also issue employee cards and earn rewards faster via employee purchases.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

Quick Take

A small business card with $900 bonus cash back, unlimited 1.5% cash back, 0% intro APR for the first 12 months and other features.

Important Card Details

Regular APR
The Ink Business Unlimited® Credit Card comes with an introductory APR of 0%, valid for twelve months since the issue of the card. After the introductory period expires, the account has a variable APR of 18.49% – 24.49%, which is on the high side of the spectrum.
Cash Back Reward Rate
The card provides you with a flat, unlimited 1.5% cash back on all business purchases.
Fees
The card does not charge an annual fee. However, there is a 3% fee for each foreign transaction, making this a relatively expensive card for international use. There are other cards that operate without any foreign transaction fees. This card also charges fees for balance transfers, late or returned payments and cash advances.

Additional Benefits

Here are some other important benefits you can enjoy with the Ink Business Unlimited® Credit Card:

Employee cards: You can easily issue employee cards with individual spending limits and earn cash back even faster through employee purchases.
Security features: The card comes with all standard security features and some advanced features, including zero liability protection that keeps you safe from unauthorized use and special fraud protection that uses real-time monitoring to find and prevent fraudulent activity.
Purchase protection and extended warranty: The card provides protection from damage and theft for purchased items up to $10,000 per claim and a total of $50,000 per account for 120 days. For eligible products, original manufacturer warranties are also extended by an additional year.
Travel perks: The card comes with a complimentary roadside dispatch service and can include roadside assistance for an extra charge. You also get a primary auto rental collision damage waiver for vehicles rented for business. Travel and emergency services can help out if you experience legal or medical issues while traveling.
Points transfer: You can get more value out of your rewards points by transferring them to other Chase credit card accounts. You can transfer points to several hotel and airline partners as well, and use Chase’s Pay Yourself Back feature to redeem points at a higher rate for common expenses.

How the Ink Business Unlimited® Credit Card Compares To Other Cards

The Chase Ink Business Ultimate card holds its own against many other small business cards on account of the flat rewards structure, the $0 annual fee and the generous introductory terms. However, you can compare it against other business cards to determine if it is the best card for you.

In-Depth Credit Card Comparisons:

Ink Business Unlimited® Credit Card vs Ink Business Preferred® Credit Card

How the Ink Business Unlimited® Credit Card Compares

Ink Business Unlimited® Credit Card

Annual Fee: $0
Cash Back Rate: 1.5%
APR: 0% for the first year, 18.49% – 24.49% thereafter
Free Employee Cards
Best For: Regular small business use

Ink Business Cash® Credit Card

Annual Fee: $0
Cash Back Rate: 1–5%
APR: 18.49% – 24.49% variable
Free Employee Cards
Best For: Higher rewards for specific purchases

Frequently Asked Questions

sources

Chase. "Ink Business Unlimited Credit Card." Accessed August 28, 2021.
Consumer Finance Protection Bureau. "Credit card agreement database." Accessed August 28, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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MoneyGeek’s Take

Ink Business Unlimited® Credit Card Review

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