Chase Ink Business Unlimited® Review
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
The Chase Ink Business Unlimited® card 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 comes with other features like purchase protection, travel assistance services, and extended warranty protection. Plus, you can request employee cards at no additional cost.
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: 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.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 less
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: 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.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 less
How We Evaluate Cash Back Business Credit Cards
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 | 20 | 30 |
Introductory Rewards | 20 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 10 | 15 |
Introductory APR | 10 | 10 |
Ongoing APR | 10 | 10 |
Total Score | 85 | 100 |
Who the Chase Ink Business Unlimited® Is Best For
- Business owners who want a fixed-rate rewards card: It offers unlimited 1.5% cash back on all spending without having to pay an annual fee.
- Business owners 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 on a tight budget: This card offers unlimited cash back on any business purchase, an introductory APR of 0% for the first 12 months, and a low ongoing APR. That’s why it’s our best credit card for new businesses with no credit history and top-recommended small business credit card.
Chase Ink Business Unlimited® Fees & Rates
APR
- Introductory: 0% APR on purchases for the first 12 months after opening an account
- Ongoing APR: 17.49% to 23.49% variable, adjustable based on the prime rate
- Balance transfer: 17.49% to 23.49% variable, adjustable based on the prime rate
- Cash advance: 29.24%, adjustable based on the prime rate
- Penalty: Up to 29.99%—will be applied to your account if:
- You fail to make a minimum payment by the due date
- Your payment is returned
- Grace period: 20 days from the end of every billing cycle until the payment due date
Specific Fees
- Annual: None
- Minimum interest charge: None
- Balance transfer: Either 5% of the amount of the transfer or $5, whichever is greater
- Cash advance: 5% of the advance or $15, whichever is greater
- Foreign transaction: 3% for purchases made outside of the US, charged in US dollars
- Late payment: $40
- Return payment: $40
How To Make Payments on the Chase Ink Business Unlimited®
- Mobile app: You can make your payments through the Chase mobile app, which is available on the App Store and Google Play
- Phone: Call (800) 436-7958 to make a credit card payment
- Online: Log in to your online account at chase.com
- In-person: You can go to the nearest Chase branch during normal business hours to pay your credit card bills
- Mail: You can send either a check or money order to the following address:
Cardmember Services
PO Box 6294 Carol Stream
IL 60197-6294
Chase Ink Business Unlimited® Rewards
- Unlimited 1.5% cash back on all business-related purchases
- $900 bonus cash back after spending $6,000 on purchases during the first three months after opening an account.
You can use your rewards to redeem for a variety of reward options, including cash, gift cards, travel. You can also pay with points for products or services through the Chase Ultimate Rewards® program or directly from third-party merchants. 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® Additional Features
Auto Rental Collision Damage Coverage
To get auto rental collision damage coverage with this card, you must decline the rental company’s collision insurance and charge the entire rental cost to your card. This coverage is activated when the rental vehicle is used for business purposes. You’ll be reimbursed up to the actual cash value of the vehicle in the event of theft or collision damage, both in the US and abroad.
Purchase Protection
Chase covers new purchases made with the Chase Ink Business Unlimited® card against either damage or theft for up to $10,000 per claim and $50,000 per account for 120 days.
Travel & Emergency Assistance Services
Chase will provide travel, emergency, medical, and legal assistance 24 hours a day to cardholders, spouses, and dependent children aged 22 years or younger. As with many small business credit cards, this is mostly a concierge service. The cardholder is responsible for the cost of any assistance.
Extended Warranty Protection
When you use this card to make a purchase, you can extend the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Pros & Cons of the Chase Ink Business Unlimited®
| PROS | CONS |
|---|---|
| Enjoy a 0% APR on purchases for the first 12 months after opening an account | Charges a balance transfer fee even during the introductory period |
| Earn unlimited 1.5% cash back on all purchases, regardless of spending categories. | Requires excellent credit to qualify, starting from 700 or better |
| Receive $900 bonus cash back after spending at least $6,000 in the first three months after opening an account | Charges foreign transaction fees of 3% on purchases made outside of the US |
Chase Ink Business Unlimited® Alternatives
American Express Blue Business CashTM
The American Express Blue Business CashTM card offers 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back after that, immediately credited to your statement. It also has a 0% introductory APR for the first 12 months. It’s an excellent choice if your business’s annual expenses don’t exceed $50,000. This card is our choice for the leading cash back business credit card and one of our picks for the best business credit card for nonprofits.
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Chase Ink Business Cash®
The Chase Ink Business Cash® card is a terrific choice for startups with recurring expenses, such as office supplies, internet, cable, and phone services. You can earn up to 5% cash back on purchases at office supply stores and on internet, cable, and phone services, and up to 2% cash back on purchases at gas stations and restaurants. Similar to the Chase Ink Business Unlimited®, it has an introductory cash back reward of $900 after spending $6,000 on purchases within the first three months of opening an account. Also, it lets you add employee cards at no additional cost. It is our top-recommended business card for startups.
Ink Business Cash® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
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 less.
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
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 less.
PNC Cash Rewards® Visa Signature® Business Credit Card
The PNC Cash Rewards® Visa Signature® Business Credit Card is an excellent alternative if you need to carry a balance. It comes with a low starting APR compared to most other business credit cards and also offers unlimited 1.5% cash back on all eligible business purchases. Plus, there are no annual fees, and new cardholders get a $400 welcome bonus after spending $3,000 in qualifying purchases within the first three months of opening an account. It’s also one of the top business credit cards with no annual fee.
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Bottom Line
The Chase Ink Business Unlimited® card is best for businesses looking to earn unlimited fixed-rate rewards on all purchases and has no annual fee. You can take advantage of the introductory 0% APR, and you’ll earn a welcome bonus when you meet the spending requirements. If this card doesn’t fit your needs, check out our Credit Card Marketplace to find options.
