Chase Ink Business Unlimited Credit Card Review

Deals Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites. Opinions and recommendations are ours alone. Terms apply to the offers. See our Advertising Disclosure for more information.

The Ink Business Unlimited® Credit Card is a no-annual-fee card that earns a very straightforward 1.5% cash back on all eligible purchases.

The rewards become even more valuable when you pair the Ink Business Unlimited with another premium Ultimate Rewards card to boost your earnings by 25 to 50%.

This card also offers nice benefits such as primary rental car insurance, extended warranty, and purchase protection.

Let’s dive right in.

Ink Business Unlimited® Credit Card
  • bonus_miles_full
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

Welcome Bonus

The Ink Unlimited offers a welcome bonus of 

bonus_miles_full

Earning Rewards

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).

But you can easily increase the value by 25-50% of this card’s rewards by holding a premium Chase Ultimate Rewards card, including:

These three cards allow you to transfer this card’s Ultimate Rewards to the other Chase card to unlock:

25% Bonus: If you have the Chase Sapphire Preferred or Ink Business Preferred, you can redeem points for 1.25 cents per point for a travel purchase, which is a 25% bonus over the standard 1.0 cents per point.

50% Bonus: If you have the Chase Sapphire Reserve, you can redeem points for 1.5 cents for a travel purchase, which is a 50% bonus over the standard 1.0 cents per point.

Potentially More Than 50% Bonus: With the Sapphire Preferred, Sapphire Reserve, and Ink Preferred cards, you can transfer Ultimate Rewards to Chase’s airline and hotel partners, including Hyatt, Southwest Airlines, United Airlines, and Air Canada Aeroplan. This allows you to earn even more value, especially for business-class flights.

No Annual Fee

One of the best aspects of the Ink Unlimited is that it has no annual fee while offering nice benefits like rental car insurance, extended warranty, and purchase protection.

Ink Business Unlimited Card Benefits

The Ink Business Unlimited offers these benefits and perks:

Primary Rental Car Insurance

This card offers primary rental car insurance when you rent either (1) for business purposes in almost every country worldwide, (2) renting outside your country of residence for personal reasons, or (3) if you don’t have automobile collision insurance.

Primary rental car insurance covers any damage to a rental car when you pay for the rental using this card. 

But you still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

Purchase Protection for 120 Days

Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.

For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.

Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.m

Credit Card Purchase Protection Broken Phone

Pros and Cons

Here’s a quick overview of this card’s advantages and disadvantages:

Pros:

  • No annual fee
  • 1.5% cash back on all purchases
  • Ability to boost rewards by 25-50+% with other Chase cards
  • Good card benefits including primary rental car insurance, purchase protection, and an extended warranty.

Cons:

Alternatives to the Ink Business Unlimited

Now that you know about the pros and cons of this card and its benefits, it’s time to review the alternatives.

Or, if you are like me, who loves to maximize my rewards, here are other cards you should add to your wallet in addition to this card: 

The Blue Business® Plus Credit Card from American Express

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • bonus_miles_full
  • Potential Higher Bonus via Special Offer.
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Business® Plus Credit Card from American Express (review) is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

Capital One Spark Miles for Business

2x Miles on All Purchases
Capital One Spark Miles for Business
  • bonus_miles_full
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • 2x Miles On Every Purchase
  • Global Entry or TSA PreCheck Credit
  • No Foreign Transaction Fees
  • $0 Intro Annual Fee for the First Year, $95 Thereafter
  • Free employee cards which also earn unlimited 2X miles from their purchases
Learn More Our Review

The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.

The card earns unlimited 5X miles on hotels and rental cars booked through Capital One Travel. It also earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.

The Spark Miles also offers a statement credit for your Global Entry or TSA PreCheck application (up to $100) and no foreign transaction fees.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
  • bonus_miles_full
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® Credit Card (review)   is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.

With this card, you’ll earn:

  • 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
  • 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.

Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:

  • Primary rental car insurance (when renting for business purposes).
  • Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
  • Purchase and extended warranty protection.

Is the Ink Unlimited Card Worth it?

Yes, the Ink Unlimited is one of the best business cards with no annual fee because it offers unlimited 1.5% cash back on every purchase.

But to maximize its value, you should also hold (along with the Ink Business Unlimited) either:

Ink Business Unlimited® Credit Card
  • bonus_miles_full
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

Top offers from our partners
60,000 Points
Terms Apply
75,000 Bonus Miles
Terms Apply
$900 Cash Back Bonus + No Annual Fee
Terms Apply
Double Cash Back the First Year + No Annual Fee
Terms Apply

Become a Better Traveler

Stay up to date with our Daily Points newsletter covering all the miles, points, travel, and deals news.