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Ink Business Unlimited Credit Card — Full Review [2023]

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Jarrod West

Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon

Stella Shon

Compliance Editor & Content Contributor

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Learn More

(at Chase's secure site)

Great Card If

  • You want a simple rewards structure
  • You want to earn flexible points
  • You want a no-annual-fee card

Don’t Get If

  • You want a card that offers travel benefits and perks
  • You do a lot of international business and need a card without foreign transaction fees
  • You want a card that offers more bonus categories

Ink Business Unlimited Card — Is It Worth It?

The Ink Business Unlimited card is perfect for business owners who want a simple earning structure and are not interested in paying a credit card annual fee. With 1.5% cash-back on all purchases — regardless of the category — with no caps and no annual fee, business owners looking for simplicity will love the card.

Most people think that small business credit cards are limited to business owners with a physical business location, or even an LLC, but that is not the case! If your business operates online-only, or if you provide freelance services, resell products, or anything in between, you likely are eligible for the Ink Business Unlimited card.

Ink Business Unlimited Card Top Benefits

No-Additional-Cost Employee Cards

Do you have multiple employees that need to make business purchases? The Ink Business Unlimited card allows you to add them as cardholders for no additional fee. Plus, you’ll still earn 1.5% back on all of their purchases!

Travel and Purchase Coverage

The Ink Business Unlimited card keeps your purchases covered with the following protections:

  • Rental Car Insurance: Primary coverage (for business and personal use worldwide and business use within your country of residence) that keeps you covered in the case of theft or damage to your rental car
  • Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • Extended Warranty Coverage: Extend the warranty of your purchased items by 1 additional year if the standard warranty is 3 years or less

Best Ways To Earn and Redeem Your Chase Ultimate Rewards Points

The cash-back earned with your Ink Business Unlimited card comes in the form of Chase Ultimate Rewards points, and while the card is great at earning these points, there are many other great ways to earn lots of Chase Ultimate Rewards points!

While you could redeem all of the points you earn for cash-back, our favorite way to redeem Chase Ultimate Rewards points is to transfer them to the Chase transfer partners. However, doing this requires you to pair your Ink Business Unlimited card with a card that has transfer abilities, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card.

But those who combine these cards will find that it unlocks a whole new world of great ways to redeem your Chase Ultimate Rewards points.

Alternative Cards to the Ink Business Unlimited Card

American Express Blue Business Cash™ Card

The Amex Blue Business Cash card beats out the Ink Business Unlimited card in terms of cash-back rate by offering 2% cash-back compared to 1.5% cash-back.

However, the Amex Blue Business Cash card 2% rate is limited to $50,000 in purchases each year, whereas the Ink Business Unlimited card is uncapped.

Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card also offers 2% cash-back on all purchases with no limits on the amount of cash-back you can earn. The card does charge a $95 annual fee, though, and you’re limited to cash-back redemptions, unlike cards that earn flexible rewards.

We’ve also compared the Ink Business Unlimited card to other popular credit cards:

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The American Express Blue Business Cash™ Card, click here.

Frequently Asked Questions

Yes, it’s a great card for those wanting a cash-back business credit card with no annual fee and a flexible rewards structure.

No, the card does not charge cardholders an annual fee.

Yes, the card is subject to Chase’s 5/24 rule, so you will not be approved for the card if you’ve opened 5 or more new credit card accounts in the last 24 months.

While the card is technically a cash-back card, your rewards are earned in the form of Chase Ultimate Rewards points. Ultimate Rewards points can be redeemed in a number of ways, like towards travel purchases, gifts cards, and, of course, cash-back.

No, the only way that you will be able to access Chase travel transfer partners is through the Ink Business Preferred card, the Chase Sapphire Reserve card, or the Chase Sapphire Preferred card.

While there are no set approval odds for the card, the odds of your application being improved will increase if your business has high revenue, you’ve been in business for multiple years, you have a high credit score, and you’re under the Chase 5/24 limit.

If your business is relatively new and you don’t have much revenue yet, you can still be approved for the card if you have a strong credit score and are under the Chase 5/24 limit.

On the other hand, if you currently have a low credit score, or have opened more than 5 new credit cards in the last 24 months, then it is very unlikely that you will be approved for it.

If your application is approved, the smallest credit limit that you can be approved for is $3,000. With that said, your credit limit could end up being much higher based on your business’s annual revenue, your credit score, and other credit factors like your repayment history.

If Chase has already extended a large amount of credit to you, relative to your income, across any other business and/or personal credit cards, they might take that into account when deciding on your new credit limit.

Neither card is really categorically better than the other. But one card might be a much better fit for your situation based on your business needs.

Both cards are nearly identical when it comes to their $0 annual fee, redemption options, purchase protections, and business benefits.

What really separates the 2 is their respective earning categories: the Ink Business Cash card earns 5% back at office supply stores and on internet, cable, and phone services, plus 2% back at restaurants and gas stations, and the Ink Business Unlimited card earns a flat 1.5% back on all purchases — regardless of what category they fall in.

So if your business spends a lot of money at office supply stores, on internet, phone, and cable services, or even gas and restaurants, then the Ink Business Cash card would probably be a better fit. If your business expenses are more diverse and not concentrated in any particular category, then you should probably look for another card option.

For more information, read our in-depth comparison post on the Ink Business Cash card vs. the Ink Business Unlimited card.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


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