Chase Ink Business Unlimited Credit Card Review: Simplified Earnings for Every Purchase

Ink Business Unlimited: $750 bonus & 1.5% back on everything, no annual fee.

Rickie C. Keys, Ph.D., MPH

Mar 27, 2024 — 1 min read

The Chase Ink Business Unlimited Credit Card is an appealing option for businesses seeking straightforward cash-back rewards without the hassle of tracking spending categories or paying an annual fee.

Features

Annual Fee: $0, making it cost-effective for all businesses.
APR: 0% intro APR on Purchases for 12 months, then 18.49%-24.49% Variable APR, offering flexibility for initial big purchases.
Sign-up Bonus: New cardholders receive a robust $750 bonus cash back after spending $6,000 in the first three months, a significant incentive.

Benefits

Rewards Rate: Earn an unlimited 1.5% cash back on all purchases, simplifying reward accumulation.
Redemption Flexibility: Rewards can be redeemed for cash back, travel, gift cards, and more through Chase Ultimate Rewards®, with no minimum redemption threshold.
Introductory APR: The introductory 0% APR period allows for interest-free financing of large purchases during the first year.
Foreign Transaction Fees: A consideration for international purchases, set at 3%.

Drawbacks

Foreign Transaction Fees: Not ideal for businesses with frequent international transactions due to the 3% fee.
Simplified Rewards: Businesses that spend heavily in specific categories may find more value in cards offering higher reward rates for those categories.

Product Summary

The Chase Ink Business Unlimited Credit Card is a compelling choice for businesses seeking a no-fuss rewards card. With its $0 annual fee and an attractive sign-up bonus, it offers significant upfront value. The uniform 1.5% cash-back rate on all purchases removes the need to track spending categories, streamlining the rewards process. While the foreign transaction fees may limit its appeal for global transactions, the card’s overall benefits, including the flexible redemption options and introductory APR offer, provide versatile value to many businesses.

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