BACK

pixelfit / E+ / Getty Images

Products

Is the Ink Business Unlimited worth it?

If you want a flat-rate cash back card with unlimited earning potential, the Ink Business Unlimited may be your card

Summary

Is the Ink Business Unlimited card worth it? We think so – here’s what you need to know to make your own decision.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Terms apply to the offers listed on this page.

Do you want a business credit card that offers unlimited flat-rate cash back rewards on every purchase? Are you interested in business-targeted benefits like rental car insurance, purchase protection and a sign-up bonus that you can use to help your business grow? The Ink Business Unlimited® Credit Card might be just what you – and your small business – are looking for.

The Ink Business Unlimited card is a Chase credit card designed for small-business owners who want a low-maintenance, high-rewards business credit card. Because the Ink Business Unlimited earns 1.5% on every purchase, you can spend less time on credit card rewards optimization and more time using the card to take your business to the next level.

We’ve called the Chase Ink Business Unlimited a “set-it-and-forget-it” credit card, and we stand by that assessment. But that doesn’t mean you shouldn’t take the time to learn about everything the Ink Business Unlimited has to offer. We’ve got a breakdown of all the current Chase Ink Business Unlimited benefits, including rental car insurance and how to earn the sign-up bonus.

Is the Ink Business Unlimited card worth it? We think so – but here’s what you need to know to make your own decision.

Business-targeted rewards and a generous welcome bonus

Small-business owners who want business-targeted rewards have many reasons to apply for the Chase Ink Business Unlimited card. Start with the unlimited 1.5% cash back on every purchase, which gives you the opportunity to make business purchases in every possible spending category without worryings about spending caps, bonus categories or a strategy to maximize your cash back.

That said, you may want to plan out your purchase timing to take advantage of the Chase Ink Business Unlimited sign-up bonus, which awards $750 bonus cash back to cardholders who spend $7,500 in the first three months of card ownership. This is one of the top welcome bonuses in the industry – and if you’re a small-business owner, you can probably think of many ways to use that extra $750 to expand your business.

It’s worth noting that your cash back rewards, including your Chase Ink Business Unlimited sign-up bonus, accumulate as Chase Ultimate Rewards points. This gives you plenty of flexibility in terms of redemption options, whether you redeem your rewards for statement credits, deposit them into a business checking account or use your Chase Ink Business Unlimited cash back to make Apple purchases.

You can also transfer your Ultimate Rewards points to another Chase card to increase the value of your rewards. For example, if you have the Chase Sapphire Preferred® card, you can transfer your Ink Business Unlimited rewards to your Sapphire Preferred card and boost the value of those rewards by 25% when you use them to book travel through Chase Ultimate Rewards.

Want even more business-targeted rewards? Your Chase Ink Business Unlimited benefits include 12 months of 0% intro APR on purchases (then a regular 13.24% to 19.24% variable APR), to expand your business without accruing interest charges. You need to pay off your balance before the intro APR expires to avoid racking up interest charges, but most small-business owners should be able to create the kind of budget and cash-flow projections that get the job done.

Long-term value

Some of the card’s benefits, including the welcome bonus and the 0% intro APR offer, primarily benefit new cardholders. Other Ink Business Unlimited benefits offer long-term value, rewarding small-business owners who stick with the card for years.

Chase’s Ink Business Unlimited card is a no-annual-fee credit card, which can be a huge money-saver for small-business owners who still need to track every penny. Want even more savings? Chase’s roadside dispatch service, travel services, emergency assistance services and auto rental collision damage waiver can all save you money on business travel, especially when you run into the unexpected.

You can also get long-term value out of the purchase protection and extended warranty protection that the Ink Business Unlimited offers. These often-overlooked benefits can protect your purchases in the case of damage or theft – and could end up being two of the most valuable benefits the card has to offer.

Is the Ink Business Unlimited right for your business?

If you’re looking for a top business credit card that offers unlimited 1.5% cash back on every purchase, 12 months of 0% intro APR on purchases (followed by its regular 13.24% to 19.24% variable APR), a $750 sign-up bonus and no annual fee, it’s worth considering. This card is easy to use and packs a consistent value.

You may also want to consider other flat-rate cash back business credit cards, such as the Capital One Spark Cash Plus. The Spark Cash Plus offers 2% cash back on every purchase and comes with the opportunity to earn a $1,000 sign-up bonus, but you’ll pay a $150 annual fee for the privilege. Do the math to determine which card might be the best choice for your business – will you earn enough cash back with the Capital One Spark Cash Plus to justify the $150 annual fee? Or are you better off with the straightforward Ink Business Unlimited?

Bottom line

You should do the math on all the potential Chase Ink Business Unlimited benefits based on how you would use them – including the opportunity to pool your rewards with other Chase credit cards, the extra coverage provided by Chase Ink Business rental car insurance and the security that comes with features like purchase protection and extended warranty protection.

Once you’ve evaluated all the benefits that the Chase Ink Business Unlimited credit card has to offer, you’ll know whether it’s the right choice for your business – and you’ll know exactly how you can use the Ink Business Unlimited to help your business grow.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Products

Who should and shouldn’t get the Business Platinum Card from Amex

The Business Platinum Card from American Express is a top travel credit card and a top business credit card. Does this mean you should only get the Amex Business Platinum card if business travel is a significant part of your small business?

See more stories
Credit Card Rate Report
Business
14.16%
Airline
15.46%
Cash Back
16.14%
Reward
15.91%
Student
16.78%

Questions or comments?

Contact us

Editorial corrections policies

Learn more