Ink Business Unlimited℠ Credit Card by Chase review | finder.com

Chase Ink Business Unlimited℠ Credit Card review

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A small business credit card that lets you earn points you can redeem for cash back and other rewards.

  • Get this card if you want a simple rewards plan.
  • Pick something else if you want a higher cashback card or one with a lengthy intro APR period on purchases and balance transfers.
  • Apply with a good business credit score of 670 or higher.
Product NameInk Business Unlimited℠ Credit Card
Card typeVisa
Annual fee$0
Standard purchase APR15.49% to 21.49% variable
Intro purchase APR0% for the first 12 months (then 15.49% to 21.49% variable)
Standard balance transfer APR15.49% to 21.49% variable
Intro balance transfer APR

N/A

Balance transfer fee$5 or 5% of the transaction, whichever is greater
Cash advance rate27.24% variable
Cash advance fee$15 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 20 days
Late payment feeUp to $39
Returned payment fee$39
Additional cardholder fee$0
Rates & feesrates & fees
Minimum Age18 years of age
Welcome Offer$500 back after spending $3,000 in the first 3 months
Rewards1.5% cash back on all purchases
Base Rewards1.5% cash back
Rewards Points ExpiryNever
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The basics

The Ink Business Unlimited℠ Credit Card is the newest addition to the suite of business cards by Chase. It offers an unlimited 1.5x points on all purchases — or 1.5% in cash back — and it has no annual fee or additional cardholder fee for your employees.

Some may consider the 1.5% cash back nothing spectacular, For example, the Capital One® Spark® Cash for Business offers an unlimited 2% cash back. But the value of the Ink Business Unlimited℠ Credit Card comes with combining the points earned with other Unlimited Rewards cards by Chase.

Cash back or points?

Cash back is the term that Chase uses when marketing this card. This means that Chase tracks your cash back as points and for each $1 you earn as cash back you actually earn 100 points. You can redeem points for cash back either as a statement credit or a deposit to your checking or savings account.

Does earning points mean I can redeem them for other rewards instead of cash back?

Yes! You can redeem your points for gift cards, travel booking or you can shop with points directly at Amazon.

You’ll be able to earn more points if Chase offers you special promotions or if you make purchases through Chase’s shopping portal, Shop through Chase®.

When you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®, your points are worth 25% more.

The perks

  • Signup bonus.

    Get $500 bonus cash back when you spend $3,000 on purchases in the first three months from account opening. You can redeem your points for $500 cash back, which equals a 16.6% return for the $3,000 spent.

  • Unlimited cash back.

    Get 1.5% cashback rewards on every purchase you make. That’s about $1.50, or 150 points, per $100 spent. If you don’t spend on any particular category like office supplies, gas or travel booking, then a universal cashback card could benefit your company.

  • Intro APR on purchases.

    You get a 0% intro APR on purchases for the first 12 months from opening your account and an APR between 15.49% to 21.49% variable after that. If you plan to make a large purchase, the intro APR period could help you out.

You’ll also like …

  • Travel protection.

    To assist you when traveling, the card membership gives you access to legal, medical or other travel emergency assistance you may need. Also, when you pay for your entire car rental with your Ink Business Unlimited℠ Credit Card, you’re insured against theft or collision damage.

  • Roadside assistance.

    Whenever you need help on the road — whether it be towing, replacing a tire, charging your car battery or gas delivery — call 1-800-847-2869 and the emergency service will assist you. Keep in mind that third-party service costs will be charged to your card.

  • Purchase protection.

    Get coverage up to 120 days after you make a purchase against damage or theft up to $10,000 per claim and $50,000 per account. You also get extended warranty on eligible items.

  • No additional cardholder fee for employee cards.

    Get employee cards at no additional cost. Also, you can set up spending limits and earn additional cash back from every purchase your employees make.

  • Credit line.

    Usually, the size of the credit line you receive depends on many factors, but with this card, you’ll start with at least $3,000. This is relatively higher when compared to other cashback cards. For example, the Spark® Cash by Capital One has a starting credit line of $2,000. To get a credit limit higher than $25,000, Chase may request additional information from you.

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What to watch out for

  • Foreign transaction fees.

    When you travel abroad, try to minimize your payments with this card or you will incur fees of 3% per transaction.

  • High late payment fees.

    If you make late payments you will pay up to $39 in fees.

  • High balance transfer and cash advance fees.

    The card comes with balance transfer fees of $5 or 5% whichever is greater of the transfer as well as cash advance fees of $15 or 5% of the amount of each transaction, whichever is greater. Other small business cards have fees of 3% to 4%.

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Updated July 19th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
2x miles on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
N/A
0% intro for the first 12 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
1.5% cash back on all purchases
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
1% cash back on all purchases
25.24% variable
$0
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
1.5x miles on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5x miles on every purchase, every day.
1.5% cash back on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
2x points on Southwest Airlines and 1x points on all other purchases
18.24% to 25.24% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
18.24% to 25.24% variable
$199
Earn 80,000 points when you spend $5,000 on purchases in the first 3 months.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening.
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 35,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
16.49% to 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
2x points on purchases through Amex Travel and x points on all other purchases
N/A
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
1.5% discount when you pay early
N/A
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months. Rates & fees
3x points in a chosen category and 1x points on all other purchases
0% intro for the first 9 billing cycles (then 14.24% to 25.24% variable)
$0
Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days after opening your account.
2x points in the category you spend the most each month - gas stations, office supply stores or airlines, plus on cellular providers and 1x on all other purchases
14.24% to 25.24% variable
$0 intro annual fee for the first year ($55 thereafter)
Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening.
2x points in the two categories you spend the most in each month and 1x points on all other purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.

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What size business is the Chase Ink Business Unlimited℠ Credit Card good for?

Small businesses that spend on various categories could find the 1.5% unlimited cash back helpful. And if you want to make a large purchase for your business, the 0% intro APR on purchases for the first 12 months from opening your account could be helpful. After the intro period passes, you’ll have an APR between 15.49% to 21.49% variable.

With the 1.5% cash back you’ll earn $3,600 annually if your monthly expenses total $20,000.

What should I know before I apply

To apply for the Chase Ink Business Unlimited℠ Credit Card, you’ll have to provide information about your business, including:
  • Business name, address and phone number
  • Tax identification number
  • Years in business and type of business
  • Number of employees and annual revenue
You’ll also need to submit personal information about the company owner, such as:
  • Full name and home address
  • Phone number and email
  • Social Security number
  • Mother’s maiden name and date of birth
  • Annual income

What credit score do I need?

You can apply with a good business credit score of 670 or higher. Well-established businesses with an excellent credit score have a better chance of being approved.

What do customers say about the Chase Ink Business Unlimited℠ Credit Card?

JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but it has an A+ rating and a composite score of 3.71 out of 5 stars based on 24 customer reviews. Most customer complaints revolve around poor customer service and hidden costs for Chase credit cards in general. Make sure you read your card’s terms and the rewards agreement to avoid issues with your account.

How to apply for the Ink Business Unlimited℠ Credit Card?

  1. Go to the provider site and click Apply now.
  2. Complete the application form with all the required information about yourself and your business.
  3. Complete the application form with the required details about yourself and your company.
  4. Review your application, click that you’ve read and agree to the Certifications and Pricing and Terms and then hit Submit.

Ink-Business-Unlimited-credit-card-Application-form

How long will it take to get my card?

The approval for a Chase business card is usually instant. In some cases, it may take 7 to 10 business days, and if additional verification is required, it could take up to 30 days. Upon approval, you’ll receive your card within 10 business days.

I got the card. Now what?

  • Monitor your account. Log in to your online account or download the Chase Mobile® app to keep track of your card activities.
  • Make timely payments. If you don’t, you’ll pay late fees of up to $39.
  • Avoid paying fees and interest. Aside from late payment fees, you’ll pay fees for cash advances, balance transfers and foreign transactions. You’ll also pay a cash advance APR of 27.24% variable.
  • Set spending controls. Control your employees’ spending by setting up limits.
  • Contact customer service. For any questions you may have, call Chase customer service for business credit cards at 1-888-269-8690.

How to make the most out of this card?

  • Since the Ink Business Unlimited℠ Credit Card has a $0 annual fee, you can get one for each of your employees and earn points whenever they use their cards.
  • Or you can pair it with other Unlimited Rewards cards and you’ll get a decent points-earning combo.

Which cards can I pair?

You can pair the Ink Business Unlimited℠ Credit Card with all of the business and personal cards from Chase that have the Unlimited Rewards program.

For example, you can pair it with the Ink Business Preferred℠ Credit Card. With this card, you’ll earn 3x points on travel; shipping purchases; Internet, cable and phone services; and advertising purchases with social media sites and search engines. This applies to the first $150,000 you spend in these categories per year; after that, you’ll earn 1x points. For all other purchases, you’ll earn 1x points.

You can transfer these points in a 1:1 ratio with Chase’s airline and hotel partners. Plus, the card has 0% foreign transaction fees, which means you can use it freely when traveling abroad.

You can use your Ink Business Unlimited℠ Credit Card when making purchases outside of those selected categories of the Ink Business Preferred℠ Credit Card to earn 1.5x points instead of the 1x points that the Preferred card offers. Once you gather enough points, you can move them to your Ink Business Preferred℠ Credit Card and you can either transfer your points to airlines or hotels, or you can redeem them in a way that suits you best.

To get the highest value, redeem your points for travel booking through Chase Ultimate Rewards, where points are worth 25% more.

Bottom line

The Ink Business Unlimited℠ Credit Card offers a generous signup bonus and an unlimited 1.5 points per dollar spent on all purchases. On its own, this card can be useful to small businesses that spend on various categories. But pair it with another Ultimate Rewards card and you’ll start earning some serious points.

Before applying for a credit card, consider your options to find the best one that compliments your business.

Frequently asked questions

Images: chase.com
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