Chase Ink Business Unlimited Review

The Ink Business Unlimited® Credit Card is one of Chase’s more simplistic business cards, offering a no-frills earning strategy for busy business owners.

Annual Fee: $0

Ink Business Unlimited® Credit Card

Earn 75,000 bonus points (Or $750) after you spend $6,000 on purchases using your new card in the first 3 months after account opening

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1.5% Cashback On All Purchases

The card has an extremely simple earning structure: cardholders get 1.5% cashback on all eligible purchases. There’s not much else to add here: simplicity is key with this card.

What makes this even better is the fact that cashback earned is accrued as Ultimate Rewards points, meaning if you have one of the following three cards, you’re able to get much more value out of your points:

Chase Sapphire Reserve® ($550 annual fee): Earn 3x on dining, receive up to $300 in annual travel credit, gain complimentary lounge access, up to $100 in TSA Precheck/Global Entry credits every 4 years
Chase Sapphire Preferred® Card ($95 annual fee): Earn 3x on dining, 2x on travel purchases, receive up to a $50 annual hotel credit
Chase Ink Business Preferred ($95 annual fee): Earn 3x on the first 150,000 spent in combined purchases on shipping purchases; advertisements (social media sites & search engines); internet, cable and phone services; and travel per account anniversary year

Without having at least one of these three cards, cardholders can only redeem their points at the face value of 1 cent per point. When having just one of these cards active and open, points suddenly gain tremendous value.

For example, when booking travel via the Chase travel portal:

Sapphire Preferred / Ink Business Preferred: Redeem points in portal for 1.25 cents each
Sapphire Reserve: Redeem points in portal for 1.5 cents each

Having the right card alongside the Ink Business Unlimited suddenly increases the value of your points by 25-50%.

Generous 0% Intro APR

The card is also offering 0% intro APR for 12 months from account opening on purchases. After that initial introductory period, the APR goes to 17.49%–23.49%, variable.

This introductory APR can be extremely useful for business owners needing to make expenses that they want to float for a short period.

Earn 5% Total Cashback On Lyft Rides Through March 2025

We were just talking about how simple this card is! But, there’s one more (good) earning benefit: cardholders earn a total of 5% cashback on Lyft rides for rides purchased with their Chase Ink Unlimited card.

Notably, this cashback earned is also accrued as Ultimate Rewards points and can be transferred to travel partners to maximize their value with the right premium Chase card.

Other Pros & Cons of the Chase Ink Business Unlimited

Although this card is generally a strong, no-frills card, it’s worth highlighting some of the cons.

Pros

Cons

Purchase Protection: Cover your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account
Extended warranty protection: Extend the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less
Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance
Roadside Dispatch: If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need – anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.

3% foreign transaction fees
No bonus categorical earnings on groceries
Unlike the Chase Freedom Unlimited, no bonus categorical earnings on restaurants or drugstores

Quick Comparisons: Ink Unlimited vs Ink Cash

Both of these cards are no annual fee Chase business cards with strong reputations. However, they differ ever so slightly, mainly in their points earning structure:

Ink Unlimited: 1.5% cashback on everything
Ink Cash: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year + earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

To put it simply, the Ink Unlimited is really good for business owners with a lot of noncategorical spend, whereas the Ink Cash is really good for those with a lot of spend in those specific categories. There is a strong argument to be made to having both cards, and this is something I do myself!

Conclusion

The Chase Ink Unlimited is a strong business card with a fantastic welcome offer that is set to expire soon. It is definitely worth taking the card seriously, especially considering its simplistic earn structure, no annual fee, and elevated welcome offer.

Annual Fee: $0

Ink Business Unlimited® Credit Card

Earn 75,000 bonus points (Or $750) after you spend $6,000 on purchases using your new card in the first 3 months after account opening

Learn more