Ink Business Unlimited Credit Card Review: The Best Offer Ever Without Annual Fees

Unlimited Overview of Chase Ink Business

this Ink Business Unlimited® Credit Card (See rates and fees) is one of the best business cards, with no annual fees 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.

this Ink business unlimited It is a small business card that closely reflects the popularity Chase for Freedom® (See rates and fees). Ink business unlimited does not charge an annual fee, and its simple reward structure is more valuable than at first glance.

While there are other cards that can earn 1.5% cashback (or more), the Ink Business Unlimited Card allows you to convert cashbacks into chasing the Ultimate Reward Points when paired with the Final Reward Earning Card. This means you can combine chase points from a separate card account and transfer them to a variety of airline and hotel partners in the Ultimate Rewards program.

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 purchase fees in the first three months after opening, earning $900 in cashback bonuses.

This limited-time quote matches the best quotes we see on the card from September to November 2024.

You can redeemed the welcome bonus as cashback, gift cards or travel booked through Chase Travel.

However, if you delimit the ink business with transferable final reward points (e.g. Chase Sapphire Priority® Card (See rates and fees).

According to TPG’s September 2025 valuation, these 90,000 Ultimate Reward Points are worth $1,845.

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 what you pay for benefits, so no surprise Ink business unlimited There is no as many privileges as other cards with higher annual fees.

Its benefits are Ink Business Cash® Credit Card (See rates and fees), but they are not as good as the allowances offered on Ink BusinessPreferred® credit cards. Most notably, you won’t get cell phone protection or cancel/interrupt insurance.

The preferred information for ink business is collected independently by partners. The card details on this page have not been reviewed or provided by the card issuer.

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

this Ink business unlimited Using the direct reward structure does not require spins or reward categories to be considered and earn 1.5% cashback on all purchases. This represents both the beauty of this card and its potential shortcomings.

For example, if you use this card to purchase a ticket, you may spend up to 8 points per dollar in rewards Chase SapphireReserve® (See rates and fees) Offers when booking through chase travel.

The same is true for paying for office supplies or internet services. this Ink business cash Each account anniversary year (1% thereafter), spending the first $25,000 of combined purchases on office supply stores and internet, wired, cell phones and landline services, earning 5% cash back.

It also earns 2% of its revenue for the first $25,000 a year when it merges purchases at gas stations and restaurants. Cash back from all other purchases 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%.

Unrestricted transfer rewards through ink business

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

this Ink business unlimited When working with any other card, it 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 earn your points unity value, depending on the specific redemption. For more information, see your Rewards Program Agreement.

TPG credit card author Danyal Ahmed has both an ink business and a sapphire reserve and always transfers his points 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?

this Ink business unlimitedThe competitor is the card that provides similar returns for 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?

this Ink business unlimited If you pair it with the right card, it is a valuable choice for daily expenses. picture Chatong Sapphire Reserve It can also maximize your business credit card rewards. However, be aware of Chase’s 5/24 limit.

Bottom line

this Ink business unlimited Maximizing your rewards from your business spending can be valuable.

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 commercial credit card, it is a good strategy to apply for a Chase business card first before applying for a personal credit card using Chase or other banks, 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

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