Chase Ink Business Unlimited® is an excellent cash back credit card that has no annual fee and offers unlimited fixed-rate cash back rewards on all purchases. It also has other features like purchase protection, travel assistance services, and extended warranty protection. Plus, you can request employee cards at no additional cost.
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
When grading cash back business credit cards like the Chase Ink Business Unlimited®, we consider ongoing rewards first and introductory rewards as the second biggest factor. We also look at the annual fee, introductory and ongoing annual percentage rates (APRs), and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
---|---|---|
Ongoing Rewards | 27 | 30 |
Introductory Rewards | 17 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 12 | 15 |
Introductory APR | 10 | 10 |
Ongoing APR | 10 | 10 |
Total Score | 91 | 100 |
Who the Chase Ink Business Unlimited® Is Best For
- Those who want a fixed-rate rewards card: It offers unlimited 1.5% cash back on all spending without having to pay an annual fee.
- Those who have other Chase credit cards: Chase allows you to transfer your Chase Ink Business Unlimited® rewards to another Chase personal or business credit card within the Ultimate Rewards program to receive a higher redemption value when booking for travel.
- New business owners with limited credit history: Chase uses your personal credit score to determine your card application.
See our recommended alternatives below if this card isn’t the best fit for your business.
Chase Ink Business Unlimited® Rewards
- $750 bonus cash back after spending $6,000 on purchases during the first three months after opening an account.
- Unlimited 1.5% cash back on all business-related purchases
- 5% cash back on Lyft rides until March 2025
Chase Ink Business Unlimited® Calculator
You can use our calculator to compute the potential rewards you might earn from using the Chase Ink Business Unlimited®. Just input your projected annual spending, and let our calculator do the rest.
How To Redeem Chase Ink Business Unlimited® Rewards
You can use your rewards to redeem for a variety of reward options, including cash, gift cards, travel, and more through the Chase Ultimate Rewards®. Note that redemption values for reward options may vary, and rewards don’t expire as long as your account remains open and in good standing.
Chase Ink Business Unlimited® Features
- Auto rental collision damage waiver: Decline the company’s collision insurance and charge the entire rental cost to this card. Note that 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 US and abroad.
- Trip cancellation/trip interruption insurance: Reimburse up to $5,000 per trip for your pre-paid, non-refundable travel expenses (including passenger fares, tours, and hotels) if your trip is canceled or cut short due to sickness, severe weather, and other covered situations.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance
- Roadside dispatch: Call (800) 847-2869 anytime to dispatch the help you need—from a tow or jump-start assistance and a tire change to lockout service, winching, and gas delivery. Note that roadside service fees will be provided when you call and are billed to your card.
- Purchase protection: Get covered for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Chase Ink®: Build your credit history by accessing your account details and quarterly reports with Chase Ink®.
Chase Ink Business Unlimited® Fees & Rates
APR
- Introductory: 0% for 12 months on purchases from the date of account opening
- Ongoing, balance transfer and My Chase LoanSM: 18.49% to 24.49% variable, which adjusts with the prime rate (with no minimum interest charge)
- Cash advance: 29.99% variable, which adjusts with the prime rate
- Penalty: Up to 29.99%, which adjusts with the prime rate. This will be applied to your account indefinitely if you either:
- Failed to make a minimum payment by the date and time that it’s due
- Made a payment that’s returned unpaid
Fees
- Annual: None
- My Chase PlanSM (fixed finance charge): Monthly fee of 0% of the amount of each eligible purchase transaction during the 0% introductory period. After that, a monthly fee of 1.72% of either the amount of each eligible purchase or the amount selected to create a My Chase Plan
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transfer, whichever is greater
- Foreign transaction: 3% for purchases made outside the United States
- Late and return payment: $40
- Return check: None
Your due date will be a minimum of 20 days after the close of each billing cycle.
- Online or Chase Mobile® App: Go to chase.com/paycard to sign in and make a payment online. You can also enroll in automatic payments through the website or mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as the full statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order—and don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
Alternatively, you can send your payment via overnight mail to the following address:
Chase Card Services
201 N. Walnut St.
Del-0153
Wilmington, DE 19801
- Nearest Chase ATM or branch: Find the nearest Chase ATM or branch.
Chase Ink Business Unlimited® Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Who Should Consider the American Express Blue Business CashTM
- You intend to spend beyond your credit limit: It features expanded buying power, which allows you to spend beyond your credit limit based on card usage, payment history, credit record, and financial resources.
Other Benefits
- Receive a $250 statement credit after spending $3,000 in purchases within the first three months of account opening
- Earn up to 2% cash back on all eligible purchases
- Secure a 0% introductory period on purchases for the first 12 billing cycles
- Enjoy $0 annual fees
Chase Ink Business Cash®
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- 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. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- 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. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Who Should Consider the Chase Ink Business Cash®
- You are looking for an alternative Chase business credit card: It lets you earn up to 5% cash back on selected spending categories.
Other Benefits
- Get a $750 bonus cash back after spending at least $6,000 in purchases within the first three months of account opening
- Receive a 0% introductory period on purchases for the first 12 billing cycles
- Issue employee cards at no additional cost
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Who Should Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You also plan to transfer a significant balance: It provides a 0% introductory period on purchases for the first 12 billing cycles.
- You frequently spend on gas, office supplies, and cellphone services: It lets you earn 3% cash back rewards on those spending categories.
Other Benefits
- Earn $750 bonus cash back after spending at least $6,000 in eligible purchases within the first 180 days from the date of account opening
- Get $100 in statement credit for recurring software subscription purchases such as FreshBooks and QuickBooks
- Pay over time by dividing eligible purchases into equal monthly payments with U.S. Bank’s ExtendPay® Plan
Frequently Asked Questions (FAQs)
When applying for business credit cards like the Chase Ink Business Unlimited®, issuing banks would need the following information:
- Legal name of the business
- Business mailing address and phone number
- Type of business
- Employer identification number (EIN) for corporations/LLCs/partnerships; Social Security number for sole proprietors
- Number of employees
- Annual business revenue
- Years in business
Chase Bank does not have a physical location in Alaska and Hawaii.
Bottom Line
Chase Ink Business Unlimited® is best for businesses looking to earn unlimited fixed-rate rewards on all purchases, and it charges $0 annual fees. You can take advantage of the 0% introductory period on purchases and receive a welcome bonus when you meet the spending requirements.