MoneyGeek’s Take

Chase Ink Business Unlimited Review

The Chase Ink Business Unlimited card is a small business card with no annual fees and unlimited 1.5% cash back on all business purchases. Along with other perks and features, this can benefit business users who are looking for a simple, streamlined rewards experience.

Last Updated: 4/24/2022
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In this review of the Chase Ink Business Unlimited 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 $750 and a flat 1.5% unlimited cash back on all business purchases.

Card Details to Know Up Front
  • Bonus, Fee or Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

Chase Ink Business Unlimited at a Glance

For business owners, the Chase Ink Business Unlimited card promises many benefits, including an easy-to-use reward structure, bonuses, a 0% intro APR for the first 12 months, advanced security features and business-focused features.

  • Chase Ink Business Unlimited

    A great business card with a flat, simple rewards structure and no annual fees.

    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on TV, Phone, Internet Services
    • 1.5xRewards Rate on Entertainment

Pros & Cons Explained

To understand if the Chase Ink Business Unlimited card is right for you, it is important to take a look at its pros and cons.


  • Benefits
  • Unlimited 1.5% cash back
    For those users who want a card that provides overall rewards and does not lean too heavily into focused use cases or rewards categories, the Ink Business Unlimited card can work quite well with unlimited 1.5% cash back across the board for all business purchases.
  • 0% introductory APR
    You can enjoy an introductory APR of 0% for a period of 12 months from the date of account opening.
  • $750 bonus cash back
    If you spend $7,500 on your card in the first three months after opening the account, you get an additional $750 cash back.


  • Drawbacks
  • No reward categories
    For those users who want a card that provides overall rewards and does not lean too heavily into focused use cases or rewards categories, the Ink Business Unlimited card can work quite well with unlimited 1.5% cash back across the board for all business purchases.
  • Costly overseas use
    With foreign transaction fees on the higher side, you would have to pay much more for international use.
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MoneyGeek spends time each month analyzing and ranking each card and choosing top picks for popular card categories. While the Chase Ink Business Unlimited card is not featured in our current lists, you can take a look at other popular small business credit cards.

Bonuses & Rewards Explained

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 $750 cash back if your total expenses exceed $7,500 in the first three months.

The card also offers an introductory 0% APR for the first 12 months 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.

Other Features Explained

Here are some other important benefits you can enjoy with the Chase Ink Business Unlimited credit card:

  • Card Feature
  • 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.
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"Small business owners, you’ll be surprised at how quickly you can accumulate points on a flat rate rewards card like the Chase Ink Business Unlimited. It’s excellent for expenses that don’t typically earn bonus points, such as purchases made at big box retailers and warehouses." - Alene Laney, Credit Card Journalist

Understanding the Fine Print

  • Card Feature
    Amount or Rate
  • APR
  • Annual Fee
  • Cash Back Rewards
  • Rewards Rate
    1.5% Cash Back
  • Airline Benefits
  • This is an icon

    Regular APR

    The Chase Ink Business Unlimited 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 13.24% to 19.24%, which is on the high side of the spectrum.

  • This is an icon

    Cash Back Reward Rate

    The card provides you with a flat, unlimited 1.5% cash back on all business purchases.

  • This is an icon


    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.

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If you want to find information on a card that you are already using or want to compare different cards to learn about the rewards, fees and other terms, you can check your card provider’s website or mobile app, or simply take a look at your last card statement. You can also find reliable information about this card and other small business cards through the credit card agreement database.

Who Should & Shouldn’t Consider Chase Ink Business Unlimited?


Other Considerations for Chase Ink Business Unlimited

For any decision regarding whether the Chase Ink Business Unlimited credit card can be a good fit for you, consider how you would like to use your credit card and whether you plan to use it as your only card or pair it with others.

Things to Consider if This Will Be Your First or Only Credit Card

If you are looking to make this your first or only credit card, please keep in mind that the APR is on the high side after the introductory period. Also, consider that this is not a co-branded card and the rewards structure lacks bonus categories. If your business use involves heavy international travel, consider getting another card or a supplementary card without foreign transaction fees.

Things to Consider if This Will Be an Additional Card in Your Wallet

If the Chase Ink Business Unlimited will be an additional card in your wallet, you can take advantage of the simple rewards structure, the lack of any annual fee and the 0% introductory APR during the first year. Also, if you have other Chase cards, you can transfer your rewards and get much better value for your reward points.

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With a well-defined and streamlined methodology powering our reviews, MoneyGeek is committed to providing reliable data through analyzing information from the Consumer Finance Protection Bureau’s database, estimating average spending profiles, standardizing data points for effective comparison, determining long-term value and carrying out regular revisits of our rankings.

How Chase Ink Business Unlimited 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:
Quick Comparison of Chase Ink Business Unlimited


Chase Ink Business Unlimited

  • Annual Fee: $0
  • Cash Back Rate: 1.5%
  • APR: 0% for the first year, 13.24–19.24% thereafter
  • Free Employee Cards
  • Best For: Regular small business use

Chase Ink Business Cash

  • Annual Fee: $0
  • Cash Back Rate: 1–5%
  • APR: 13.24–19.24%
  • Free Employee Cards
  • Best For: Higher rewards for specific purchases

Other Helpful Decision-Making Q&As

Here are some important questions and answers regarding the Chase Ink Business Unlimited credit card that can help you in your decision-making process.

Still not sure about this card? Consider these options.

If you are still unsure about how this card fits into your plans, you can take a look at other small business credit cards that offer similar features and value. If you are not interested in a business card, check out a rewards card or one that prioritizes travel.

Learn more about credit cards in general

*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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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