Chase Ink Business Unlimited Card Review: An SMB Card


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When you’re growing a small business, the right business credit card can help you manage your expenses, grow your business credit, and earn rewards for your everyday purchases. And for business owners looking for a simple, no-frills card with reliable rewards and no annual fees, the Chase Ink Business Unlimited card is a great place to start.

While many business cards work to attract businesses that spend in certain categories, Ink Business Unlimited rewards you for all of your spending, regardless of which category it falls into. And now is the perfect time to sign up, as Chase is currently offering a new cardholder bonus and 0% introductory APR when you sign up.

Wondering if Chase Ink Business Unlimited is right for your business? Read on to learn about the benefits of the card and how to decide if it’s right for you.

Chase Ink Business Unlimited at a glance

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  • Annual membership fee: $ 0
  • Introductory APR: 0% for 12 months
  • Regular APR: 13.24% to 19.24%
  • Credit required: Excellent
  • $ 750 offer for new cardholders
  • 1.5% discount on all purchases
  • For more details see rates and fees

What are the pros and cons of the Chase Ink Business Unlimited card?

Advantages:

  • No annual fee
  • Generous bonus for new cardholders
  • 1.5% cashback in all categories
  • Rewards do not expire

The inconvenients:

  • No bonus category
  • Foreign transaction fees

Does Chase Ink Business Unlimited offer a signup bonus or rewards?

Sign-up bonus: $ 750 cash back

When you sign up for Chase Ink Business Unlimited, you will have the opportunity to earn $ 750 in bonus cashback. All you have to do is spend $ 7,500 on purchases in the first three months after opening the card.

Earn rewards

The Chase Ink Business Unlimited is a simple, no-frills credit card. You will earn 1.5% cashback on all purchases in all expense categories. Unlike many business cards, Ink Business Unlimited does not have bonus or spin categories.

Redeem rewards

Once you’ve earned your Chase Ultimate rewards, it’s easy to redeem them for cash back, travel, Apple Ultimate Rewards Store purchases, and gift cards. When you choose to redeem your rewards for cash, you can choose to apply them as a statement credit to your Chase balance or deposit them to a US checking or savings account. There is no minimum to redeem your points.

Another advantage of this Chase card is that you can transfer points to any other Chase credit card – personal or business – registered in your name or that of a member of your household. When you transfer your points to whoever earns ultimate rewards, you can increase the return on your rewards.

When you redeem your rewards directly from your Chase Ink Business Unlimited card, every point is worth a penny. But when you transfer them to another card, you can receive up to 1.25 or 1.50 cents per point when you use them to book travel through the Chase portal.

How do I use Chase Ink Business Unlimited rewards?

When you earn cashback on your Chase Card, you can use your rewards to earn cashback, gift cards, travel, and purchases through the Apple Ultimate Rewards Store.

Are there any other benefits of the Chase Ink Business Unlimited card?

The Chase Ink Business Unlimited comes with several other great rewards. First of all, you can get employee cards at no additional cost. You can set a spending limit on each card, and all spending on your employee cards will go toward your rewards.

This credit card also comes with several other business features such as:

  • The ability to manage your business cash flow by making credit card payments
  • Grow your business credit and access more capital by spending on your Chase card
  • View 24/7 information about your business, including account details, quarterly reports, 24-month statement details, and more
  • Separate business and personal expenses by integrating your Chase Ink credit card with accounting software

Finally, the card comes with several other travel benefits, including:

  • Rental car coverage when you charge your rental fees to your card. It serves as primary coverage for business rentals and provides cash reimbursement in the event of collision and theft
  • Travel and emergency services for medical or legal issues while traveling or if you need other emergency assistance
  • Road dispatch whenever you have a road emergency, whether it’s a tire change, quick start, lockout service or more
  • Purchase protection on new purchases for 120 days in the event of damage or theft
  • Extended warranty protection for one year of additional manufacturer warranty coverage

Is the Chase Ink Business Unlimited Card Right For You?

The Chase Ink Business Unlimited is perfect for business owners who want to be able to use one credit card for all of their purchases. No, the rewards do not match some of the bonus category rewards offered with other credit cards. But for business owners who spend in a variety of categories and want a card with simple perks and no annual fees, this is a great option.

This card could also be a good option for Chase customers who have a fully-fledged Ultimate Rewards card for their personal expenses, like the Chase Sapphire Preferred Card or the Chase Sapphire Reserve, since you can transfer your rewards to this card and get more. valuable .

What is the credit limit on the Chase Ink Business Unlimited card?

When you are approved for Chase Ink Business Unlimited, you get a credit limit of at least $ 3,000 and up to $ 25,000. For credit limits over $ 25,000, Chase has a more in-depth review process.

Is the Chase Ink Business Unlimited Card Worth It?

Because Chase Ink Business Unlimited offers cash back rewards on all categories of purchase, it’s a great option for many businesses, especially those who want to use a single card for all business expenses. But for businesses with more specialized expenses, there may be other cards that are more worth the money.

What’s the bottom line?

The Chase Ink Business Unlimited is a great introductory business credit card for small business owners. It doesn’t require an annual fee and has an introductory APR of 0%. It also has an attractive signup bonus which is a nice plus. Ultimately, if you want to use one credit card for all of your spending and spend in many different categories, this card is a great option.

Are there alternatives to Chase Ink Business Unlimited?

Chase Ink Business Unlimited is a great business credit card, but it’s just one of the great options available. Chase also offers several other business cards, including Chase Ink Business Cash and Chase Ink Business Preferred.

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