The Ink Business Unlimited® Credit Card offers a straightforward 1.5% cash back on all business purchases with no bonus categories to track and no annual fee. This card shines brightest when paired with premium Chase cards, allowing you to transform your rewards into valuable Ultimate Rewards points for transfers to travel partners.
This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let's dive right in.
- Limited Time Offer: Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
Welcome Bonus of Ink Unlimited
The Ink Unlimited offers a welcome bonus of:
Limited Time Offer: Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
Before applying, keep in mind Chase’s 5/24 rule – you won’t be approved if you’ve opened five or more personal credit cards across all banks in the past 24 months. Business owners should consider applying for this card before other personal credit cards since it won’t count toward your 5/24 status once opened.
Good credit is essential for approval, with Chase typically looking for scores of 670 or higher. Small business owners, freelancers, and sole proprietors can all be eligible for this card, making it accessible to a wide range of entrepreneurs.
Earning Rewards with Ink Unlimited
The Ink Unlimited earns 1.5% cash back on all purchases in the form of Chase Ultimate Rewards (i.e., 1.5% cash back equals 1.5 Ultimate Rewards points).
You’ll love the simplicity of earning 1.5x points on everything – no need to remember which card to use where.
When paired with certain Chase cards such as the Ink Business Preferred® Credit Card, Chase Sapphire Reserve® , and the Chase Sapphire Preferred® Card, you’ll unlock valuable airline and hotel transfer opportunities.
For general business purchases, this card shines with unlimited earning potential at a solid rate. Just keep in mind that other cards might serve you better for specific purchases like flights, restaurants, or office supplies where bonus multipliers can reach 3x-5x points.
Annual Fee of Ink Unlimited
The Ink Unlimited has no annual fee, letting you maximize value without yearly charges. Your card includes valuable coverages like primary rental car insurance and purchase protection at no extra cost.
Adding employee cards is free; these authorized users receive identical insurance benefits.
Ink Business Unlimited Card Benefits
The Ink Business Unlimited offers these benefits and perks:
Primary Rental Car Insurance steps in as the primary coverage when renting for business purposes for any damage or theft of a rental vehicle paid for with this card without needing to use your own auto insurance.
Extended Warranty Protection: Your purchases gain an extra year of warranty protection when bought with this card, extending manufacturer warranties of three years or less without the inflated prices of store warranty plans.
120-Day Purchase Protection: Get 120 days of protection against damage, theft, and even loss of your purchases - one of the longest windows available. This premium coverage automatically applies when you pay with your card.
Pros and Cons
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
No Annual Fee: You’ll never pay an annual fee to keep this card, making it an excellent long-term addition to your wallet – especially valuable for small businesses watching their expenses.
Strong Everyday Earnings: The 1.5% back on all purchases provides consistent value with no category restrictions or spending caps to track. When paired with a premium Chase card, this translates to 1.5X Ultimate Rewards points on everything.
Point Transfer Flexibility: You can transfer rewards to premium Chase cards like the Sapphire Reserve or Ink Preferred, unlocking valuable transfer partners and higher redemption rates through the Chase travel portal.
Primary Rental Car Coverage: The card provides primary collision damage waiver coverage for business car rentals, a rare perk for a no-annual-fee card.
Cons:
Foreign Transaction Fees: This card charges a 3% fee on purchases made outside the U.S., so it’s not recommended for international business expenses.
No Bonus Categories: The flat 1.5% rate means you’re potentially leaving rewards on the table compared to cards offering higher rates in specific spending categories like travel, dining, or office supplies.
Partner Card Requirement: To maximize value, you need to pair this with a premium Chase card that allows transfers to travel partners. Without a premium Chase card, you’re limited to cash back.
Is the Ink Unlimited Card Worth it?
The Ink Unlimited stands out as an exceptional choice for business owners who want to maximize their rewards without paying an annual fee. You’ll earn a substantial welcome bonus that can be turned into valuable Ultimate Rewards points when paired with eligible Chase cards, potentially increasing your value significantly beyond simple cash back.
The card’s straightforward earning structure gives you a flat rate on all purchases, while also providing impressive perks typically reserved for premium cards, including primary rental car coverage for business rentals and comprehensive travel protections.
For a no-annual-fee business card that combines a generous welcome offer, consistent earning potential, and valuable benefits, the Ink Business Unlimited is hard to beat, especially if you already have other Chase Ultimate Rewards-earning cards in your wallet.
Learn How to Apply: Ink Business Unlimited® Credit Card.
- Limited Time Offer: Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the American Express Blue Business Cash™ Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
