Chase Ink Business Unlimited Review: Streamlined Cash-Back for Businesses

Ink Business Unlimited: $750 bonus & 1.5% cash back on all purchases, zero annual fee.

Rickie C. Keys, Ph.D., MPH

Mar 27, 2024 — 1 min read

Chase Ink Business Unlimited Credit Card simplifies earning rewards for businesses, offering a robust sign-up bonus and a straightforward cash-back rate on every purchase.

Features

Annual Fee: $0, ensuring cost-effectiveness for all business sizes.
Sign-Up Bonus: An enticing offer of $750 bonus cash back after spending $6,000 in the first 3 months.
APR: Offers a 0% intro APR on Purchases for 12 months, followed by a Variable APR of 18.49%-24.49%, providing flexibility for initial expenses.
Rewards Rate: A simple, flat rate of 1.5% cash back on all purchases, making reward accumulation effortless.

Benefits

Simplicity: No need to track spending categories; earn cash back on every purchase.
Flexibility: Rewards can be redeemed for cash back, travel, gift cards, and more, with no minimum redemption amount.
Introductory Offer: The 0% introductory APR allows for interest-free financing of large purchases during the first year.

Drawbacks

Foreign Transaction Fees: A 3% fee on international transactions limits its utility for businesses that travel abroad.
Limited Reward Maximization: Businesses that spend heavily in specific categories might benefit more from cards offering higher reward rates.

Product Summary

The Chase Ink Business Unlimited Credit Card stands out for its simplicity and value, making it a fitting choice for business owners seeking uncomplicated rewards. With its no annual fee, generous sign-up bonus, and an easy-to-understand rewards structure, it caters to a wide array of business expenses. While it might not be the best fit for companies with significant international spending due to the foreign transaction fees, its introductory APR offer and the flexibility of the Ultimate Rewards program add significant value, especially for domestic operations.

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