The Chase Ink Business Unlimited Credit Card is one of the most user-friendly cash-back options for small business owners who want simplicity and value in a single card. This flat-rate business rewards card earns unlimited 1.5% cash back on every purchase, charges no annual fee, and includes a 0% intro APR on purchases for 12 months.
For business owners looking for the best catch-all credit card to handle everyday spending, track expenses, and get a little reward for doing so, the Ink Business Unlimited card could be your best choice.
Pros
No annual fee
Unlimited 1.5% cash back on every purchase
$900 welcome bonus after spending $6,000 in 3 months
0% intro APR on purchases for 12 months
Employee cards are available at no additional cost
Cons
3% foreign transaction fee
No bonus categories for specific purchases
Requires good to excellent personal credit for approval
InsightsJPMorgan Chase Bank, N.A., doing business as Chase, is one of the largest financial institutions in the United States, serving millions of consumers and small businesses. Known for its diverse range of banking, credit, and investment products, Chase emphasizes security, customer service, and integrated financial management. Its business credit card portfolio, which includes the Ink Business Unlimited, Ink Business Cash, and Ink Business Preferred, helps entrepreneurs earn rewards, track and manage expenses, and access funding options. You can view Chase’s official regulatory listing through the Office of the Comptroller of the Currency. |
Features and Benefits
For small business owners looking for credit card simplicity, the Chase Ink Business Unlimited Credit Card offers consistent rewards with few restrictions. Cardholders earn unlimited cash-back rewards on every purchase at a rate of 1.5%. Additionally, you can earn a $900 bonus after spending $6,000 in the first three months of card ownership.
- 0% introductory APR for 12 months on purchases
- No annual fee
- Redemption flexibility through Chase Ultimate Rewards
- Free employee cards are available
- Purchase protection and extended warranty coverage
- Zero Liability protection for unauthorized charges
- Real-time expense tracking and QuickBooks integration
- 24/7 fraud monitoring and account alerts
Chase Ink Business Unlimited Reviews: Editorial Rating
Trusted Company Reviews Trust Rating Score for Chase Ink Business Unlimited: 8.4
Chase’s Ink Business Unlimited’s simplicity, transparency, and strong tracking and integration features earn it high marks in our overview of the best Catch-All Credit Cards. The card’s $900 welcome offer is among the best in the business category, especially for a business card with no annual fee.
| Pricing | Features | Credit Score Needed for Good Approval Odds |
| $0 Annual Fee
3% Foreign Transaction Fee |
Unlimited 1.5% cash back on every purchase, spend tracking, QuickBooks integration, and free employee cards | Good to excellent |
Why We Like It
The Chase Ink Business Unlimited works well for small business owners who don’t want to manage multiple cards or rely on identifying bonus categories to earn rewards. The flat 1.5% cash back rate keeps things easy while still providing solid long-term value.
Additionally, the 0% intro APR period offers a bit of a bonus for new businesses making start-up purchases.
What We Don’t Like
The simplicity that makes this card appealing also limits its potential rewards. Businesses that spend heavily in targeted categories, like travel, office supplies, or gas, might earn more rewards with a tiered card. However, many of them wouldn’t fit well in the scope of catch-all cards.
The 3% foreign transaction fee also makes it less ideal for businesses performing overseas transactions.
Why Trust Our RatingsEvery rating we publish reflects independent research and hands-on analysis from our editorial team. Clarity, accuracy, and transparency matter as much as the numbers themselves. How We Calculate Our Trust Rating ScoreWe base our Trust Rating Scores on independent research, verified user experiences, and key data points that identify the most valuable and reliable credit card options available today.
All terms, conditions, rates, and data are accurate at the time of publishing and subject to change without notice. |
What Do Customers Think About the Chase Ink Business Unlimited Card?
Based on verified reviews from leading review platforms such as Trustpilot, the Better Business Bureau (BBB), and similar sources, the Chase Ink Business Unlimited Credit Card consistently earns high marks from small business owners who value simplicity and reliability.
Having an average rating of 4.3 out of 5 stars, many reviewers highlight the card’s flat 1.5% cash-back rate, no annual fee, and smooth integration with Chase’s mobile and online platforms.
Entrepreneurs often note how the card simplifies their daily operations, especially through QuickBooks integration and real-time expense tracking. Negative feedback tend to focus on the foreign transaction fee and Chase’s credit-limit decisions, though most customers report responsive support when issues come up.
Average Customer Ratings by Region*
| Region | Average Rating | Common Positive Mentions | Common Complaints |
| Midwest (IL, MN, WI) | 4.4 | Straightforward rewards, Chase support | Credit limit adjustments |
| West Coast (CA, WA, OR | 4.2 | Easy QuickBooks syncing, app usability | Foreign transaction fees |
| South (TX, FL, GA | 4.3 | 0% intro APR, mobile alerts | Customer service delays |
| Northeast (NY, MA, PA | 4.3 | Expense reporting, fast approvals | Reward redemption clarity |
*Data compiled from verified public reviews and third-party consumer feedback platforms as of 2025.
Who Is Chase Ink Business Unlimited Best For?
The Chase Ink Business Unlimited Credit Card is ideal for small business owners who prefer simple, predictable rewards and plan to keep spending limited to domestic purchases. It’s also an excellent option for entrepreneurs who want to combine rewards with other (personal) Chase cards to maximize Chase Ultimate Rewards points.
Chase Ink Business Cash vs. Unlimited
While both cards target small business owners, they cater to different types of business owners. The Ink Business Cash card rewards specific categories, like office supplies, internet services, gas, and dining, with up to 5% cash back. However, it stops earning rewards after spending $25,000 in a year.
In contrast, the Ink Business Unlimited eliminates categorical rewards and simply provides 1.5% cash back rewards on all purchases. For business owners with varied or unpredictable expenses, the Unlimited card offers more consistent, albeit potentially less, value.
| Chase Ink Business Unlimited | Chase Ink Business Cash | |
| Rewards | 1.5% cash rewards on all purchases | 5% on office supplies, internet, cable, and phone for first $25k; 2% on gas and dining, up to $25k; and 1% on all other purchases |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 3% | 3% |
| Typical APR (subject to change) | 17.24%–23.24% | 17.24%–25.24% |
Is Chase Ink Business Unlimited Worth It?
For small business owners who prioritize simplicity and convenience that costs nothing in terms of an annual fee, the Chase Ink Business Unlimited Card is a solid choice. Its consistent rewards structure, decent intro APR offering, substantial welcome bonus, free employee cards, and predictability make it one of the best catch-all credit cards for everyday business use.
Chase Ink Business Unlimited Alternatives
If the Chase Ink Business Unlimited Card doesn’t quite match your business style, or you came here looking for a personal all-around card, several other options stand out in our overview of the Best Catch-All Credit Cards. Each offers its own mix of rewards, perks, and flexibility to fit different needs.
- Wells Fargo Active Cash: A simple, flat-rate card that earns 2% cash back on every purchase.
- Chase Freedom Unlimited: Also a top pick in our overview of the best Credit Cards for Gas and Groceries.
- Citi Simplicity: Also a top pick in our overview of the best Balance Transfer Cards.
- Chase Sapphire Preferred: A premium card focused on maximizing travel benefits
Frequently Asked Questions
What credit score is needed for the Chase Ink Business Unlimited?
Does the Chase Ink Business Unlimited report to personal credit bureaus?
Can I combine Chase Ink Business Unlimited rewards with other Chase cards?
Conclusion
The Chase Ink Business Unlimited Credit Card earns its place among the best catch-all credit cards as a solution for small business owners seeking simple rewards and solid benefits. Cardholders pay no annual fee and earn consistent rewards over the long haul.
To compare more card options, including personal card selections, visit our overview of the Best Catch All Credit Cards or explore related reviews like Best Credit Card for Gas and Groceries and the Best Balance Transfer Credit Cards for Average Credit.
Deane Biermeier is a certified financial educator through the University of Minnesota and a respected authority in financial research, writing, and editing, renowned for his in-depth analyses and expert advice. With a distinguished career that previously spanned home improvement, real estate, and finance topics, Deane's role at Trusted Company Reviews focuses exclusively on finance.
Deane has contributed to leading publications such as Forbes Home, US News and World Report, Newsweek Vault, and others.
Since joining TrustedCompanyReviews.com in 2023, he has solidified his reputation as a crucial resource for clear, factual financial guidance.
Deane Biermeier
Last Updated: October 29, 2025
Editorial Reviews
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