6 compelling reasons to consider the Ink Business Unlimited Credit Card

Several years ago, Chase expanded its business card lineup with the no-annual-fee Ink Business Unlimited® Credit Card, a perfect match for the no-annual-fee Ink Business Cash® Credit Card and the premium Ink Business Preferred® Credit Card.

Whether you already own one or both of the other Ink credit cards—or other business credit cards with bonus categories—here are six reasons to explore the Ink Business Unlimited.

Attractive welcome bonus

There are many excellent reasons to obtain a business card, with one of the primary benefits being the substantial welcome bonuses associated with business credit cards. Additionally, since these cards are completely separate from your personal finances, you can benefit from multiple welcome bonuses.

With the Ink Business Unlimited, you can earn a $900 cash back bonus after spending $6,000 on purchases within the first three months of opening your account.

In addition to other cash-back cards in the Chase lineup—such as the Chase Freedom Unlimited® and Ink Business Cash—you can convert your cash back into Ultimate Rewards points by linking them with a premium card from Chase, like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. This strategy maximizes the value of your welcome bonus and everyday spending rewards.

You could potentially gain an even better return by transferring your points (at a 1:1 ratio) to partners such as United Airlines, Emirates, and Hyatt. While this may not be the most lucrative welcome bonus for a business card, it remains a solid offer, especially considering the next reason to include this card in your wallet.

No annual fee

The appealing welcome bonus becomes even more enticing when you factor in that the Ink Business Unlimited has no annual fee. If you're already managing several cards with annual fees, adding another can be daunting, but the Ink Business Unlimited eliminates that concern.

Unlimited flat cash back on all purchases

This card provides a solution for maximizing the value of your non-bonus spending. The Ink Business Unlimited delivers a straightforward 1.5% cash back on every purchase. You might feel tempted to compare this with another card that offers flat-rate rewards on daily expenses, but it’s not necessary.

This is because, as mentioned earlier, you can transfer the rewards earned from your Ink Business Unlimited to a Chase credit card that accumulates Ultimate Rewards points, potentially enhancing the value beyond the standard 1.5% cash back. According to TPG's August 2024 valuations, Ultimate Rewards points are valued at 2.05 cents each, allowing for a return of 3.1% for every dollar spent.

Utilize this card for non-bonus purchases—like supplies from hardware stores for office improvements or for filing your taxes—to maximize your rewards.

introductory APR offer

It's essential to prioritize paying off your credit card balance in full and on time each month, as earning points and miles shouldn’t be your primary focus if you can’t do so (a principle in TPG's 10 commandments). However, unexpected situations arise. You may be looking to grow and require capital investments that will take time to impact your revenue or stocking up on inventory for the upcoming holiday season.

The Ink Business Unlimited card provides a valuable buffer that can be beneficial for new entrepreneurs or when you need to finance a significant purchase.

Enjoy an introductory 0% annual percentage rate (APR) on purchases for the first 12 months after your account is opened. After that, a variable APR between 17.99% and 23.99% will apply. So go ahead and purchase those laptops now, but remember to settle the balance by this time next year.

Primary (business) rental car coverage

The Ink Business Unlimited comes with various benefits typically found in other credit cards, such as purchase protection and extended warranties. It also features primary rental car coverage, which is a benefit that's quite uncommon. Most credit cards provide only secondary coverage, which is applicable after factoring in your personal car insurance.

Primary coverage means your personal insurance doesn’t come into play, shielding you from deductibles or losses beyond a certain limit. The Ink Business Unlimited Credit Card enables you to waive the rental car company’s collision insurance and be protected by the card for the vehicle’s cash value in case of theft or collision damage, provided the car is used for business purposes.

Employee cards come at no extra cost

For businesses where employees frequently need to run errands or make purchases, simplifying the process with their own cards can be beneficial. This way, you won't have to track down the card when needed or handle multiple expense reports.

Unlike some premium cards that charge a fee for adding authorized users, the Ink Business Unlimited offers this feature at no extra cost. However, keep in mind that you are responsible for all charges on the account, regardless of who made them. (In case of unauthorized charges, simply contact Chase immediately for assistance.)

Tips for getting the most out of the Ink business card lineup

Currently, four cards are available in the Ink family for new applicants online. Select the ideal mix to meet your business requirements, ensuring you maximize Ultimate Rewards points on your business expenditures:

• Employ the Ink Business Unlimited for non-bonus transactions, which offers a fixed rate on all purchases.
• Utilize the Ink Business Cash for office-related expenses, earning 5% back on the first $25,000 spent in combined purchases at office supply stores and on cellular, landline, internet, and cable services annually.
• Leverage the Ink Business Preferred for travel and advertising expenses, earning 3 points per dollar on the first $150,000 spent in combined travel, shipping, internet, cable, phone services, and advertising through social media and search engines each year. (Remember, Chase has a broad interpretation of what counts as a travel-related purchase.)

There are numerous excellent ways to utilize these rewards.

Keep in mind that the fourth Ink card, the Ink Business Premier® Credit Card, offers a strong cash-back return (2.5% on purchases of $5,000 or more, and 2% unlimited cash back on all other purchases), but these rewards are only redeemable as cash back and cannot be transferred to another card for greater value.

Conclusion

The Ink Business Unlimited presents a wealth of benefits for new users, including those with several business credit cards already in hand.

Featuring an attractive introductory offer, an easy earning structure, and no annual fee, this card provides significant value for businesses of any size — particularly when used alongside other Ink Business products. For further insights, check out our detailed review of the Ink Business Unlimited.