Ink Business Unlimited Credit Card Review: Good Allowances Without Annual Fees

Unlimited Overview of Chase Ink Business

Ink Business Unlimited® Credit Card (see Fees & Fees) is one of the best business cards, without an annual fee, as you earn 1.5% on each purchase. This cash back can become a valuable chase ultimate bonus points when paired with a qualified chase card. Card Rating*: ⭐⭐⭐⭐

*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.

Ink Business Unlimited Credit Card is a small business card that closely reflects the popular Chase Freedom Unlimited® (see Rates and Fees). Without an annual fee, its simple reward structure is more valuable than at first glance.

While other cards can earn 1.5% cashback (or more), the Ink Business Unlimited Card allows you to earn cash in the form of Chase Ultimate Rewards points. If you also have a premium Ultimate Reward Card, these chase points may become even more valuable. That’s because you can combine the chase points and transfer it to various airline and hotel partners in the Ultimate Rewards program.

Ink business unlimited is a business credit card. So it is tailored for those with small businesses.

While not everyone is eligible for a business credit card, if you have a “excellent to excellent credit score” of 670 or above, it may be much easier than you think, as freelancers and other independent businesses can count as business in the eyes of Chase and many other issuers.

Let’s study the details.

Unlimited advantages and disadvantages of the ink business

Unlimited welcome offers for ink business

New Ink Business Unlimited Cardholders spent $6,000 in purchases in the first three months of opening an account, earning $750 in cash bonuses.

You can return 1 cent cash back as cashback, gift card or a trip booked through Chase Travel℠.

However, if you pair the Ink Business Unlimited with a card that receives a transferable final reward point (such as a Chase SapphirePreferred® card (see Price and Fees), you can pair the Ink Business with an Unlimited Card (possibility). According to TPG’s June 2025 valuation, these 75,000 Ultimate Reward Points are worth up to $1,538.

It’s a solid drag on a card that doesn’t charge an annual fee.

Related: The best welcome offer this month

Unlimited benefits of the ink business

You get the benefits you pay for, so it’s no surprise that the unlimited allowance for the ink business is not as good as other cards that charge higher annually. Its benefits are the same as those provided by InkBusinessCash® Credit Cards (see Rates and Fees), but they are not as good as those provided by InkBusinessPreferred® Credit Cards (see Rates and Fees). Most notably, you won’t get cell phone protection or cancel/interrupt insurance.

This includes:

• Purchase protection: This covers up to 120 days of new purchases to prevent damage or theft, up to $10,000 per claim and $50,000 per account.
• Automatic rental collision damage exemption: When using a taxi for business unlimited business purposes, you can refuse to rent a car company’s collision insurance and be covered by a card to theft or collision loss until the vehicle’s cash value. This is valid for most rents in the U.S. and abroad, and coverage is major, meaning it applies before your own auto insurance policy.
• Extended warranty: This extends the warranty period of US manufacturers by one year to qualify for three years or less.
• No additional fees for employee cards: If employees are allowed to use the account, unless you establish personal spending restrictions, they will be authorized users and have equal charging privileges.

Earn unlimited rewards for the ink business

The Ink Business uses unlimited direct reward structure to earn 1.5% cash back on all purchases without considering spins or reward categories. This represents both the beauty of this card and its potential shortcomings.

For example, if you use this card to purchase tickets, your rewards may be as high as 5 points per dollar, while such as Chase SapphireReserve® (see rates and fees) are available (when booking through Chase Travel).

The same is true for paying for office supplies or internet services. Ink Business Cash received 5% cash back in office supplies stores as well as the first $25,000 on internet, wired, cell phone and landline services, each account anniversary year (1% thereafter). It also earns 2% of the revenue each year in the first $25,000 that gas stations and restaurants buy together. Cash back from all other purchases is 1%.

Please note that this card is evaluated based only on its cash fold value. Unlimited cashback provided by this card will not bring you the highest return on cashback in a commercial credit card – if you redeem cash.

Related: How to choose a strategy for your small business credit card

Unlimited rewards for redemption of ink business

There are several key ways to redeem your rewards: cash back, gift cards, travel or goods and services provided through Chase’s Rewards Program.

If you redeem your cash, you can use your money as a statement credit or enter a qualified U.S. check or savings account via electronic deposit. Redeem cash, gift card or travel points value is 1%.

Unlimited rewards for transferring ink business

If you transfer points to a mature final reward individual reward individual or business card, for example:

Other cards must be registered with you, the owner of the company or a member of the family in order to be eligible for the transfer.

When working with any other card, the Ink Business Infinity can represent an incredible value proposition. Once you transfer points to an account that earns the final reward points, you can transfer them to valuable airlines and hotel partners, or directly through Chase Travel Travel Travel and get the unity value of your points (1.5 cents for Chase Sapphire reserves, or 1.25 cents for Chase Sapphire reserves, and Chase Sapphire Preferred or Prefine the Ink Bucisation or Preferrecred earns Chase Sapphire Arvess or 1.25 cents for Chase Sapphire Arvess or 1.25 cents for Chase Sapphire Preferred or Prefine the Ink Bucisation or Preferrecred).

TPG’s credit card writer Danyal Ahmed owns the Ink Business Infinity and Sapphire Sanctuary and always combines his points to transfer it to the airline. He recently transferred 75,000 points to Air Canada, booking comprehensive business-grade tickets for his entire family from London to Istanbul before visiting Zurich.

Related: The Power of Chase Trifecta: Maximize your revenue with 3 cards

What card competes unlimitedly with the ink business?

The Ink Business Unlimited Competitor is a card that offers similar returns on all expenses. Business credit cards that offer fixed interest rate rewards include:

Related: How to choose the best credit card for your business expenses

Is the ink business unrestricted?

If you pair it with the right card, the ink business is an invaluable choice for daily spending. Holding a premium chase card like Chase Sapphire Reserve can also maximize your business credit card rewards. However, be aware of the limitations of chasing 5/24 rules.

Bottom line

The ink business unlimited potential may be valuable for getting the biggest reward from business spending.

One advantage of opening a Chase business credit card is that they won’t be added to your Chase 5/24 count even if applying for them first is a rule-compliant. So if you are eligible for a business credit card, it is a smart strategy to apply for a Chase business card (such as Ink Business Unlimited) before you apply for a personal credit card from a Chase or another bank, which will count to this 5/24 limit.

This card returns everyday expenses well, and if you have another winning Chase Chase Ultimate Rewards point, you can boost it.

Apply here: Ink Business Unlimited Credit Card

For the rates and fees of Blue Business Plus cards, click here.