Ink Business Unlimited® Credit Card review

Ink Business Unlimited® Credit Card review

Updated: June 8, 2022

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Updated: June 8, 2022

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Ratings Policy
Business Rating:
3.5 rating
3.5 rating
3.5 / 5
Rewards Value3.3
Annual Percentage Rate0.5
Rewards Flexibility4.1
Issuer Customer Experience3.6

In a Nutshell:

Business owners who simply want to “set it and forget it” will likely enjoy earning unlimited 1.5 percent cash back with the Chase Ink Business Unlimited card.

Learn more about this card

Rewards Rate
1.5% cash back on every purchase

Very Good

Introductory Bonus
$750 if you spend $7,500 in first 3 months


Annual Fee


Average Yearly Rewards Value ($4,000 monthly spend)

Very Good

13.99%-19.99% (Variable)

Very Good

Rewards Redemption

  • Rewards don’t expire
  • No limit on rewards you can earn
  • Variety of redemption options, including statement credits, deposit into checking or savings account, travel, gift cards, Amazon purchases, experiences
  • No blackout dates on travel rewards
  • Transfer points to qualifying Ultimate Rewards cards


  • Minimum 2,000 points required for a redemption
  • Unless you transfer points to a premium Ultimate Rewards card, they’re only worth 1 cent apiece

Chase Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 809 (30% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 4.4/5
  • Apple Store mobile app rating: 4.8/5
Very Good

Other Notable Features: No fee for employee cards, set individual limits per card, mobile wallet app to track receipts

Apparently, after the roaring success of the Chase Freedom Unlimited card, Chase spied a gap in its business portfolio and has moved to replicate the Freedom Unlimited card’s success for its business line of credit cards.

The new Chase Ink Business Unlimited card mirrors the simplicity of the Freedom Unlimited card: Business owners earn unlimited 1.5-percent cash back on all their purchases (and their employees’ purchases), with no spending caps, bonus categories or annual fees to fret about.

Also, Ultimate Rewards members listen up: If you haven’t already hit your application limit with Chase’s 5/24 rule, the Ink Business Unlimited card presents yet another opportunity to score 75,000 Ultimate Rewards points in one swoop.

Huge sign-up bonus

The Chase Ink Business Unlimited card offers a $750 sign-up bonus to new cardholders who manage to spend $7,500 in the first three months of membership. This is an incredibly large sign-up bonus for a cash back card – and it’s especially impressive given the card’s previous bonus of $500 after a $3,000 spend in the first three months was high to start.

Plus, since the Ink Business Unlimited card is part of the Ultimate Rewards family, the bonus translates to 75,000 Ultimate Rewards points. If you are in the game of collecting Ultimate Rewards points (or are looking to get into the game), this is a great opportunity to score a large number of points toward your next free plane ticket.

That said, this bonus has a much, much higher spending requirement: You’ll need to spend at least $2,500 per month for the first three months to reach the threshold, which may be difficult for some small-business owners.

Simple cash back scheme

Business owners who prefer a no-annual-fee card without spending caps or bonus categories to keep track of, will earn a high rate of 1.5-percent cash back on every purchase with the Ink Business Unlimited card.

Note that, while this is a pretty good rewards rate for a no-annual-fee card, you can earn more cash back for your business if you’re willing to dole out a little extra each year for a card with an annual fee.

For instance, the Capital One Spark Cash Plus offers unlimited 2 percent cash back on every purchase for a $150 annual fee (and no fee for employee cards). Plus, you can earn 5% cash back on hotels and rental cars booked through Capital One Travel. For many business owners, it should be easy to rack up enough cash back on business purchases to quickly outmatch a $150 annual fee.

Furthermore, if you’re not fazed by some extra maintenance and you want to maximize the rewards on your business purchases, you should seriously consider signing up for a travel rewards card – particularly a card with category bonuses. The Ink Business Preferred® Credit Card, for instance, offers 3 points per dollar on business-related purchases (on up to $150,000 in select combined category purchases each year, then 1x) – twice the rate of the Ink Business Unlimited card.

See relatedMake the most of the Chase Ink cards’ bonus categories

Flexible redemption options

On the plus side, Chase makes it relatively simple to redeem your cash back. Points don’t expire and you have a variety of options for redeeming your rewards – you can redeem your points for a statement credit or as a deposit into a checking or savings account, or you can redeem them for a variety of other rewards, including travel rewards, gift cards, Amazon purchases and experiences.

Unfortunately, for cardholders seeking the ultimate low-maintenance credit card, Chase falls a little short of some of its competitors – there’s no option to automatically redeem your cash back (the Capital One Spark Cash Select card offers this feature), and you have to wait until you collect at least 2,000 points to redeem them.

Pair it with a premium card from Chase

The Chase Ink Business Unlimited card isn’t just for low-maintenance cardholders. It’s also a great card for rewards maximizers – you can pair the card with a premium Ultimate Rewards card – such as the Chase Sapphire Preferred Card, which offers 5 points per dollar on travel purchased through the Chase portal, 3 points per dollar on dining and 2 points per dollar on other travel purchases, or the Chase Ink Business Preferred card, which offers a 3-point bonus on business purchases.

Not only can you juggle the Chase Ink Business Unlimited card with these cards to earn a 1.5-percent bonus on purchases that don’t qualify for the other cards’ bonus categories, but you can then transfer your points to the Sapphire Preferred card or the Ink Business Preferred card and redeem them for travel to earn a 25-percent redemption bonus on your points (basically boosting their value to 1.25 cents per point).

You can also transfer your points from these cards to a number of airline loyalty programs, such as United or Southwest airlines, to get an even better value on your points.

0-percent interest for 12 months

Aside from cash back rewards, the Chase Ink Business Unlimited card has another very appealing feature for business owners: It offers a 0-percent introductory APR on new purchases for 12 months – a very long introductory period for a business card (after that, the ongoing variable rate is 13.99 to 19.99 percent). If you are looking to make a large purchase for your business, this could be a great opportunity to finance it at 0-percent for a year, while using your sign-up bonus to help pay down the purchase.

Business-related features

The Chase Ink Business Unlimited card is designed specifically for the need of small-business owners: Chase allows you to add employees to your account for no annual fee and to set individual limits for each employee. You can also use Chase’s mobile app to set up alerts for your employee cards, as well as to file and track receipts on the go.

How do businesses use the Ink Business Unlimited card?

Given its generous travel perks, the Ink Business Unlimited card could be a good option for business owners that want to rack up points for business or personal travel. Here’s how one small business owner made the most of the card:

Small Business Credit Profiles

How Emily’s Maids uses the Ink Business Unlimited card

[My credit cards] have gotten me around the world and it’s always been for free!

Greg Shepard of Emily’s Maids, a low-cost maid service in Dallas, Texas, used the Ink Business Unlimited card to rack up points and perks on travel. Here’s his advice to other business owners considering the card:

  • It’s great to put rewards earned back into the business, but you can also use them for personal travel and save more than you thought possible.
  • Always pay off your balance in full each month. Treat carrying a balance as your last resort to make ends meet and never charge what you can’t repay.
  • Get a card with the lowest rate possible, even if you know you will pay it off every month. A great rewards program is important too — points add up quickly when you’re charging business expenses.
Read more of our Small Business Credit Profiles

Why get the Chase Ink Business Unlimited card?

  • You want a simple, no-annual-fee business credit card that lets you and your employees earn a high rate of cash back.
  • You want the ability to issue credit cards to your employees for no additional fee and closely monitor their spending.
  • You’re looking for an additional opportunity to earn 75,000 Ultimate Rewards points.
  • You’re searching for a card to pair with the Chase Ink Business Preferred card.

How to use the Chase Ink Business Unlimited card:

  • Spend at least $7,500 on the card in the first three months to earn the $750 sign-up bonus.
  • Use the card for all your purchases (and your employees’ purchases) to earn a consistently high rate of cash back.
  • Pair this card with a premium Ultimate Rewards card, such as the Chase Sapphire Preferred card or the Chase Ink Business Preferred card – you can transfer your points to those cards and redeem them for travel to get a 25-percent boost on your point value.

Is the Chase Ink Business Unlimited card worth it?

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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