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 made for your business, charges no annual fee, and includes a 0% intro purchase APR.
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 purchases made for your business
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 0% intro APR for 12 months from account opening on purchases. After that, 16.99%–24.99% variable APR
- 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 purchases made for your business 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% intro APR for 12 months from account opening on purchases. After that, 16.99%–24.99% variable APR
No annual fee
Redemption flexibility through Chase Ultimate Rewards®
Free employee cards are available
Purchase protection that covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item
Extended warranty coverage that extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to
four years from the date of purchase
Zero Liability protection for unauthorized charges
24/7 fraud monitoring and account alerts
Chase Ink Business Unlimited® Credit Card Reviews: Editorial Rating
Trusted Company Reviews Trust Rating Score for Chase Ink Business Unlimited® Credit Card: 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 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 purchases made for your business, free employee cards | Good to excellent |
Why We Like It
The Chase Ink Business Unlimited® Credit Card 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.
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® Credit Card Card?
According to verified reviews from Trustpilot, the Better Business Bureau (BBB), and similar customer and expert review sites, 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, while negative feedback tends to focus on the foreign transaction fee and Chase's credit-limit decisions, though most customers report responsive support when issues come up.
Who Is Chase Ink Business Unlimited® Credit Card 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® Credit Card vs. Chase Ink Business Cash Unlimited® Credit Card
While both cards target small business owners, they cater to different types of business owners. The Ink Business Cash® Credit 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. After you spend $25,000 on combined purchases in these categories each account anniversary year, you go back to earning 1% Cash Back rewards for each $1 spent.
In contrast, the Chase Ink Business Unlimited® Credit Card eliminates categorical rewards and simply provides 1.5% cash back rewards on purchases made for your business. For business owners with varied or unpredictable expenses, the Unlimited card offers more consistent, albeit potentially less, value.
Chase Ink Business Cash | ||
Rewards | 1.5% cash rewards on purchases made for your business | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can ear |
Annual Fee | $0 | $0 |
Foreign Transaction Fee | 3% | 3% |
Typical APR (subject to change) | 17.24%–25.24% | 17.24%–25.24% |
Is Chase Ink Business Unlimited® Credit Card 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® Credit 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® Credit Card Alternatives
If the Chase Ink Business Unlimited® Credit 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® Card: Earn unlimited 2% cash rewards on.
Chase Freedom Unlimited® Credit Card: Also a top pick in our overview of the best Credit Cards for Gas and Groceries
Citi Simplicity® Card: Also a top pick in our overview of the best Balance Transfer Cards
Chase Sapphire Preferred® Credit Card: A premium card focused on maximizing travel benefits
Frequently Asked Questions
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.
About Author
Deane Biermeier
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.