Chase Ink Business Unlimited® Credit Card Review

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When it comes to small-business credit cards, the choices can feel overwhelming. Finding a card that rewards your business where it spends the most while providing lucrative redemption opportunities requires careful consideration.

One of the most straightforward yet valuable players in this space is the Chase Ink Business Unlimited® Credit Card—a $0 annual fee card designed to deliver consistent rewards on every purchase.

Instead of juggling bonus categories or worrying about spending caps, the Ink Business Unlimited offers a flat rewards rate across the board. Combine that with a generous welcome offer, solid redemption options and business-friendly protections, and you’ve got a reliable card that works just as hard as you do.

Let’s dive into what makes the Ink Business Unlimited a strong contender for your wallet and whether it deserves a spot in your business toolkit.

Chase Ink Business Unlimited® Credit Card: Overview

Before jumping into our full review of the Chase Ink Business Unlimited, here’s a snapshot of its key features.

Let’s now explore these features in depth.

Welcome Offer

The Chase Ink Business Unlimited usually comes with a welcome offer ranging from $750 and $900 in cash back, after meeting a minimum spending requirement.

Like its sibling card, the Chase Ink Business Cash® Credit Card, the Ink Business Unlimited technically earns Ultimate Rewards points rather than pure cash back—even though it’s marketed as a cashback card. That means that a welcome offer is actually 75,000 to 90,000 Chase Ultimate Rewards points.

You can redeem Ultimate Rewards points for statement credits, cash back or travel purchases made through Chase Travel℠. Alternatively, if you pair the card with a premium Ultimate Rewards-earning card, you can pool your points and transfer them to Chase’s full list of airline and hotel partners for outsized value.

The minimum spending requirement for the welcome offer is typically around $6,000 in the first three months of card membership, which equates to $2,000 in monthly business expenses. To meet this threshold, consider timing your application around predictable large expenses, such as:

• Quarterly tax payments
• Equipment upgrades
• Marketing and advertising costs
• Office renovations
• Inventory purchases

By doing this, you can leverage naturally large expenses to earn you a significant return.

For a $0 annual fee card, the welcome offer packs a serious punch—earning you roughly 12X to 15X points per dollar spent while meeting the requirement.

Bonus Spending Categories

The Ink Business Unlimited is refreshingly simple when it comes to earning rates.

The card earns 1.5% cash back (1.5X points) per dollar spent on every purchase with no additional bonus categories and no spending caps.

This structure makes the Ink Business Unlimited an excellent choice for:

• Businesses with diverse expenses that don’t fit neatly into bonus categories
• Small-business owners who value simplicity and don’t want to juggle multiple cards or activate rotating bonus categories
• Small-business owners looking to earn rewards on big-ticket purchases without worrying about spending caps

For example, let’s say that your business spends $20,000 annually on software subscriptions, $15,000 on raw materials and $25,000 on shipping. With the Ink Business Unlimited, all of those purchases would earn the same flat rate 1.5X points, resulting in 90,000 Ultimate Rewards points per year—at least $900 in cash back.

Similarly, a business spending $100,000 annually would earn 150,000 Ultimate Rewards points, equal to at least $1,500 in cash back. If you paired the card with a premium card from Chase, those same points could be worth much more when transferred to hotel and airline partners.

This no-frills earning structure that rewards you for every purchase makes the Ink Business Unlimited the jack of all trades for small-business owners.

Cardholder Perks and Protections

While the Ink Business Unlimited is not a premium Chase card, it still offers a solid suite of protections and perks:

• Auto rental coverage. When renting a car for business purposes, you’ll receive primary collision damage waiver protection up to $60,000, provided you decline the rental company’s insurance and pay with your card. You’ll be covered for theft and collision damage for most rental vehicles with a manufacturer’s suggested retail price (MSRP) of $125,000 or less.
• Purchase protection. New purchases are covered against theft or damage for up to 120 days, with limits of $10,000 per claim and $50,000 per account, when you use your Ink Business Unlimited to purchase eligible items.
• Extended warranty protection. If you make an eligible purchase with a warranty of less than three years, the Ink Business Unlimited provides an additional year of warranty protection.
• Employee cards. The Ink Business Unlimited allows you to issue employee cards at no additional cost. You can also set individual spending limits on each employee card to better manage expenses and monitor company spending.

These perks don’t rival the luxury benefits of premium travel cards, but for a $0 annual fee product, they provide peace of mind and control over your employees’ spending.

Fees

The Chase Ink Business Unlimited is free of annual fees, meaning that you’ll start earning a return from day one.

However, it does charge a 3% foreign transaction fee, which can add up if you spend money overseas frequently. So if you’re travelling abroad, make sure to keep this card at the back of your wallet and use a travel credit card to cover your expenses.

Redemption Options

As a Chase Ink Business Unlimited cardholder, you have several options for redeeming your Ultimate Rewards points.

The most straightforward redemption is cash back or a statement credit applied directly to your account balance. Each point is worth 1 cent apiece in this case, making it an easy way to offset everyday business expenses. Your cash back will be issued either as a check or direct deposit. It’s not necessarily the most lucrative option, though.

Similarly, you can redeem your points for gift cards and Apple purchases at a rate of 1 cent per point. While there’s no penalty compared to cash back, these options don’t offer any advantage unless you happen to find a limited-time promotion.

You also can use your points to cover PayPal and Amazon purchases, but these redemptions generally yield an even lower value of 0.8 cent per point. While convenient, this route means you’re leaving value on the table.

Another option is redeeming your points through Chase Travel℠ where you’ll get a value of 1 cent per point. For instance, an $800 flight would require 80,000 points.

The upside is that flights booked in this way are treated as cash purchases, meaning you’ll still earn airline miles. The downside is that you’re capped at 1 cent per point in value—far below the potential of Ultimate Rewards when redeemed strategically—and you wouldn’t earn hotel loyalty credits on hotel bookings.

To truly maximize the Ink Business Unlimited, it’s best to pair it with a premium Chase Ultimate Rewards card, such as the Ink Business Preferred® Credit Card, the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® or the Sapphire Reserve for Business℠. This way, points earned on your Ink Business Unlimited can be combined with those earned on your Sapphire cards or Ink Business Preferred.

Doing so unlocks access to Chase’s full roster of airline and hotel transfer partners, often allowing you to stretch each point to 2 cents or more in value for award travel.

Chase Ink Business Unlimited Card Combos

The Ink Business Unlimited shines brightest when paired with other Chase Ultimate Rewards cards. By doing so, you can maximize both your earning potential and redemption options.

Because the Ink Unlimited earns a flat 1.5X points per dollar on every purchase with no spending caps, it’s the perfect “catch-all” earner that fills the gaps left by category-specific cards.

Here are some of the best Chase cards to combine with your Ink Business Unlimited:

• Chase Ink Business Cash® Credit Card
• Chase Ink Business Preferred® Credit Card
• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Sapphire Reserve for Business℠

If you want to boost your earnings on business-focused expenditure and gain access to Chase’s full list of transfer partners, combining the Ink Business Unlimited with the Ink Business Preferred is a strong move.

The Ink Business Preferred earns 3X points per dollar on the first $150,000 spent each year in these categories:

• Shipping purchases
• Advertising purchases with social media sites and search engines
• Internet, cable and phone services
• Travel

If you max out the $150,000 limit, that’s 450,000 Ultimate Rewards points on top of your baseline rate of 1.5X on all other spending via the Ink Unlimited. Additionally, the Ink Business Preferred brings useful protections like trip cancellation and interruption insurance and cell phone protection, all for a $95 annual fee.

Similarly, if you want to keep annual fees low while unlocking Chase’s full roster of transfer partners and consumer bonus spending categories, pairing your Ink Unlimited with the Sapphire Preferred is a solid combo.

The Sapphire Preferred earns bonus points in the following categories:

• 5X points per dollar spent on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the annual $50 hotel credit)
• 5X points per dollar spent on Lyft rides (through Sept. 30, 2027)
• 5X points per dollar spent on eligible Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027)
• 3X points per dollar spent on dining, including eligible delivery services, takeout and dining out
• 3X points per dollar spent on online grocery purchases (excluding Target, Walmart and wholesale clubs)
• 3X points on select streaming services
• 2X points per dollar spent on all other travel purchases
• 1X points per dollar spent on all other purchases

By pooling points from the Ink Unlimited and the Sapphire Preferred cards, you can transfer your rewards to airline and hotel partners or redeem at elevated values—often between 1.5 and 1.75 cents per point with Chase’s Points Boost offers through Chase Travel℠.

Alternatively, pairing the Ink Business Unlimited with the Chase Sapphire Reserve® or the Sapphire Reserve for Business℠ unlocks premium travel perks.

While they both carry a $795 annual fee, the benefits can outweigh the cost for frequent travelers. Both cards offer a $300 annual travel credit, complimentary Priority Pass Select airport lounge membership, statement credits toward Global Entry, TSA PreCheck® or Nexus fees every four years, and robust travel protections. Both cards also offer more than $2,500 in annual cardholder perks and credits, making it easy to offset the annual fee, assuming you use the cards’ benefits.

Most importantly, they unlock the ability to redeem your pooled points at up to 2 cents per point through Chase Travel℠ with Points Boost offers. When combined with the Ink Business Unlimited’s uncapped 1.5X baseline rewards rate, this combo lets you maximize both everyday purchases and luxury travel redemptions.

Lastly, don’t overlook the value of doubling up on Chase’s $0 annual fee business cards.

The Ink Business Cash earns 5X points per dollar on the first $25,000 spent in combined purchases each account anniversary year on internet, cable, phone services and office supply stores, and 2X points at gas stations and restaurants (on up to $25,000 annually).

Pairing this card with the Ink Business Unlimited’s 1.5X baseline rewards rate gives you a balanced two-card setup without paying a cent in annual fees. This way, you’ll be equipped for every business expense that comes your way.

Alternatives to the Chase Ink Business Unlimited Credit Card

Before you submit your application for the Ink Business Unlimited card, it’s important to do some window shopping.

Here are some of the Ink Business Unlimited’s top competitors:

• Chase Ink Business Cash® Credit Card: This card earns 5% cash back at office supply stores and on internet, cable and phone services on up to $25,000 spent in combined purchases, and 2% cash back at gas stations and restaurants on up to $25,000 spent in combined purchases. If the majority of your business spending falls within these categories, the Ink Business Cash is the better option.
• Chase Ink Business Preferred® Card: If you spend a significant amount on travel, shipping and online advertising, the 3X points multiplier offers outsized value. It’s also free of foreign transaction fees and offers full access to Chase’s transfer partners, all for a $95 annual fee.
• Capital One Spark Miles for Business: The Spark Miles for Business card offers a baseline rewards rate of 2X miles on all purchases and offers a statement credit toward Global Entry or TSA PreCheck every four years. If your business involves frequent travel, this card is superior to the Ink Business Unlimited. You’ll also have full access to Capital One’s 15+ transfer partners.
• The American Express Blue Business Cash™ Card: This card offers a 2% cash back on all purchases (up to $50,000 per calendar year, 1% thereafter) and also has a $0 annual fee (see rates and fees). It’s another great no-frills catch-all card for everyday business spending, offering rewards in the American Express Membership Rewards ecosystem.

If any of the above cards caught your eye, weigh up the potential value you can squeeze from them versus the Ink Business Unlimited to decide which is best suited to you and your business.

Final Thoughts

The Chase Ink Business Unlimited Credit Card demonstrates that simplicity and value are not mutually exclusive.

With unlimited 1.5X rewards on every purchase, a strong welcome offer and a $0 annual fee, this card is a reliable favorite for small-business owners who don’t want the fuss of rotating categories.

For small-business owners seeking a straightforward rewards card that still offers lucrative opportunities within the Ultimate Rewards ecosystem, the Ink Business Unlimited is an excellent choice. And when paired with other Chase cards, its potential grows exponentially, turning everyday spending into free flights, hotel stays and premium travel experiences.

If your business spending is varied and you value a rewards program’s ease of use, the Ink Business Unlimited deserves serious consideration as your go-to small-business credit card.