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finder.com’s rating: 4.4 / 5
★★★★★
$750
Welcome offer
Up to 1.5%
Cash back
$0
Annual fee
0%
Intro purchase APR
for the first 12 months (then 13.99% to 19.99% variable)
Review by
Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.
The Ink Business Unlimited® Credit Card comes with a $0 annual fee and an unlimited 1.5x points on all purchases — or 1.5% in cash back — and it has no additional cardholder fee for your employees.
In addition, you get to earn a solid $750 welcome offer, and you get 12 months of 0% intro APR period on purchases. This can help you stack up on inventories and pay them off in a year without paying interest.
Another cool feature of the Ink Business Unlimited® Credit Card is that you can move your points to the more expensive Ink Preferred card and get even higher reward value when you redeem for travel purchases. Combining Chase business credit cards is known as the Chase trifecta.
But even on its own, the Ink Business Unlimited® Credit Card can be a solid credit card to any business looking to earn flat rewards on all purchases.
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.
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 13.99% to 19.99% variable.
With the 1.5% cash back you’ll earn $3,600 annually if your monthly expenses total $20,000. Compare all three Chase Ink cards to find the one that best fits your business needs.
JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but it has an C+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of December 2021. 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.
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, compare other business credit cards to find the best one that compliments your business.
Images: chase.com
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★★★★★ — Good
★★★★★ — Average
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Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.