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Chase’s new Ink business card offers a $500 bonus and 1.5 percent back on every purchase

Summary

In addition to offering unlimited 1.5 percent cash back on every purchase, the new Ink Business Unlimited card gives members a $500 cash back bonus after spending $3,000 in the first three months.

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Chase has launched a new, flat-rate cash back card for business owners – the Ink Business Unlimited. In addition to offering unlimited 1.5 percent cash back on every purchase, the card gives members a $500 cash back bonus after spending $3,000 in the first three months.

A straightforward rewards structure

Similar to the Chase Freedom Unlimited card – but for business owners – the Ink Business Unlimited card is designed to provide an uncomplicated approach to earning rewards. Since cardholders earn 1.5 percent cash back on everything they buy, there’s no need to keep track of earning caps or enroll in rotating categories each quarter.

Jeff Hoffman, general manager of Chase Ink, explains that the new card provides small business owners, with “a tool that helps manage cash flow and expenses, in a straightforward way that matches their working style.”

Ink Business Unlimited card details

Along with its generous sign-up bonus and cash back on everything you buy, the Ink Business Unlimited card charges no annual fee and does not charge for additional employee cards.

Ink Business Unlimited card
Rewards rate
1.5 percent cash back on general purchases
Sign-up bonus
$500 cash back when you spend $3,000 in the first 3 months

Why use it?
Business owners who want a simplified approach to earning rewards can benefit from the Ink Business Unlimited card’s flat-rate rewards structure. Also, cardholders won’t incur an annual fee or be charged for additional employee cards.
Estimated Yearly Rewards Value ($48,000 spend)
$886
Annual Fee
$0

How do other Chase Ink cards stack up?

Since Chase offers several business card options, you may be wondering which card is the right fit for you. See how the Ink Business Unlimited, Ink Business Cash and Ink Business Preferred cards compare in the table below.

Comparing Chase Ink cards

Ink Business Unlimited
Ink Business Unlimited
Ink Business Cash
Ink Business Cash
Ink Business Preferred
Ink Business Preferred
Rewards rate
  • 1.5% cash back on every purchase
  • 5% cash back on internet, cable and phone services and at office supply stores ($25,000 in purchases per year)
  • 2% cash back on gas and dining ($25,000 in purchases per year)
  • 1% cash back on other purchases
  • 3 points per dollar on travel, shipping purchases, internet, cable and phone services and advertising purchases with social media sites and search engines each account anniversary (on the first $150,000 in combined purchases)
  • 1 point per dollar on other purchases
Sign-up bonus$500 cash back when you spend $3,000 in the first 3 months$500 cash back when you spend $3,000 in the first 3 months80,000 points when you spend $5,000 in the first 3 months
Yearly rewards value ($48,000 spend)$886$872$918
Annual fee$0$0$95

As you can see, the Ink Business Unlimited and the Ink Business Cash cards are very similar cards, but with different rewards structures: The Ink Business Cash card offers a cash back bonus of up to 5 percent on certain spending categories, while the Ink Business Unlimited card offers 1.5 percent back on every purchase. However, we estimate that the average small business owner, who spends $48,000 per year, can get nearly the same amount of cash back with either card.

So basically, it comes down to what you’re looking for in a card. If you are a business owner who spends a large amount of money on internet, cable, phone services and office supplies each year, the Ink Cash Business card may be your best bet. But if you want to earn the same rate on every purchase and not have to keep track of spending categories, the Ink Business Unlimited may be the right card for you.

See related:Free business credit reports for anyone? Yes, from Capital One, American Express Business Platinum card hikes welcome bonus to 100,000 points

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Credit Card Rate Report Updated: July 17th, 2019
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