Chase Ink Business Unlimited Review: High, No-Hassle Cash Back Rewards

Running a business takes up enough of your time; this business credit card can help you earn easy cash back rewards on everything.
8/14/19 | By Christy Rakoczy

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If you want a simple business card with no annual fee and easy ways to earn rewards, take a look at the Ink Business Unlimited Credit Card.

Unlike other business cards, you don’t need to worry about tracking bonus rewards categories or caps on the cash back you can earn. You simply earn a flat 1.5% cash back on all purchases with no limits.

The card also comes with a nice sign-up bonus as well as a 0% introductory APR offer on purchases so it could be a solid choice if you’ve got some big spending planned soon.

Unlimited Cash Back

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited Credit Card


  • $500 cash back sign-up offer
  • Unlimited 1.5% cash back on all spending
  • 0% APR for 12 months on purchases
  • No annual fee


  • Has foreign transaction fee

Who should get this card?

The Ink Business Unlimited Credit Card is an ideal choice when your business spending isn’t focused on any one particular category, such as dining or office supply purchases.

Unlike other business cards that may give you 3% or more back for gas, restaurants, travel, telecommunications, or other specific categories — and only 1% for everything else — the Ink Business Unlimited just gives you a flat 1.5% cash back on everything you buy with your Card.

If you’re a big spender, you’ll appreciate the fact that there’s no cap on the cash back you can earn. Plus, the 0% introductory APR for new purchases means you won’t have to worry about paying off your balance for a full year after opening your account. (Just be sure to pay off the card before that intro rate expires, otherwise, you could be stuck with big interest fees.)

If you have big purchases pending, this card might be the ideal choice — especially since you can earn a $500 cash bonus by spending $3,000 on purchases in the first three months.

Card basics

Annual Fee $0
Intro Bonus Earn $500 cash back after spending $3,000 in the first 3 months
Recommended Credit Score Excellent, Good
Intro APR 0% for 12 months on purchases
Foreign Transaction Fee 3%

Top card benefits

  • Generous welcome offer: Earn $500 cash back after spending $3,000 in the first 3 months
  • 0% introductory APR: You’ll pay no interest on purchases for 12 months from the time you open the account.
  • Simple rewards program: 1.5% cash back on all spending.
  • Flexible rewards redemption options: You can redeem rewards through the Chase Ultimate Rewards program for cash back (as a statement credit or deposited directly into a bank account), travel, merchandise, or gift cards.
  • Primary rental car insurance: Receive primary rental car insurance for theft or collision damage when you pay for a rental car with your credit card. If you find yourself frequently renting cars for business purposes, this perk could quickly save you money on rental companies’ insurance fees.
  • Free cards for employees: Equip your staff with cards at no added cost and even set individual limits on spending for each employee card.

Earning & redeeming

Best ways to earn

The easy rewards program is one of the best features of the Ink Business Unlimited Credit Card. Unlike other cards, which may offer 1% cash back on most purchases and bonus cash back on a few select categories, you simply receive 1.5% cash back on all purchases with the Ink Business Unlimited.

Plus, there’s no cap on how much cash back you can earn, so you can spend as much as you’d like on your card and get fully rewarded for each dollar you charge.

Maximizing your redemptions

Redeeming points is also simple with the Chase Business Ink Unlimited. You can opt for cash back as a statement credit, which gives you maximum flexibility since you can then use your rewards to reduce the cost of any new purchases you make. If you’d prefer to redeem for travel, merchandise, or gift cards, you can do that, too, through Chase Ultimate Rewards.

Common questions

Do Chase business credit cards count toward the 5/24 rule?

When it comes to opening Chase credit cards, there’s an unofficial guideline commonly called the 5/24 rule. It gets its name because those who have opened five or more new credit cards over a 24-month period are unlikely to be approved for any Chase card. Chase business cards do count towards the 5/24 rule, and in fact, opening a credit card from any issuer will count toward your five card limit — even if those cards aren’t from Chase.

Does a Chase business credit card report to personal credit?

While Chase indicates it may report your business credit cards on your personal credit report, some cardholders indicate their business credit card doesn’t show up when they check their individual reports.

Is there such a thing as an “unlimited” credit card?

Credit cards generally all have limits on how much you can spend. But there are cards that really do provide unlimited rewards without caps. The Ink Business Unlimited Credit Card will impose a credit limit, but it doesn’t impose any limits on your 1.5% cash back rewards for using the Card.

Other cards to consider

The Chase Ink Business Unlimited Credit Card is a great option if you’re looking for a straightforward rewards card, but there are other options that may provide more value depending on your spending habits.

The Ink Business Preferred Credit Card dials things up a little bit in comparison to the Business Unlimited card, increasing the value of your points by 25% when you redeem for travel through Chase Ultimate Rewards. On top of that, new cardmembers can earn a lucrative bonus offer worth $1,000 in travel when redeemed through Chase Ultimate Rewards, and 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else.

The Business Platinum Card from American Express is a top-rated premium rewards charge card and can be a great option if you're looking for an earnings structure created with the business traveler in mind. New cardmembers can find immediate value by earning up to 75,000 Membership Rewards points with the new cardmember welcome offer. While there is a higher annual fee of $595, the luxury travel benefits — Global Lounge Collection access, $200 airline fee credit, Global Entry or TSA PreCheck credit, and one year of Platinum Global Access from WeWork — should easily offset this cost.

Unlimited Cash Back

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited Credit Card

Special Offer

Earn $500 cash back after spending $3,000 in the first 3 months

See how these cards compare:

Chase Ink Business Preferred Credit Card
Chase Ink Business Preferred Credit Card
  • 80,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost
The Business Platinum Card from American Express
The Business Platinum Card from American Express
  • Up to 75,000 point welcome offer
  • 5X points on qualifying flight and hotel purchases
  • 1.5X points on eligible purchases over $5,000
  • Up to $200 statement credit per year for airline incidental fees
  • Terms apply

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