Ink Business Unlimited Credit Card Review: Exceptional Rewards with No Annual Fee

The Ink Business Unlimited® Credit Card stands out as one of the best options for small business owners, offering a straightforward rewards program with no annual fee. With the ability to earn 1.5% cash back on every purchase, this card provides a valuable opportunity to maximize your business spending. Additionally, the cash back can be converted into Chase Ultimate Rewards points when paired with another eligible Chase card, enhancing its overall value.

New cardholders can take advantage of an impressive welcome offer: earn a $900 cash back bonus after spending $6,000 within the first three months of account opening. This limited-time offer is one of the best we’ve seen for this card, matching previous promotions from late 2024. The welcome bonus can be redeemed for cash back, gift cards, or travel booked through Chase Travel℠.

While the Ink Business Unlimited offers a solid cash back rate, it’s essential to consider how it complements other Chase cards. By pairing it with a card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred® Card, you can significantly increase the value of your rewards. According to recent valuations, those 90,000 Ultimate Rewards points earned through the welcome bonus could be worth approximately $1,845, making this card a strong contender for those looking to maximize their rewards.

It’s important to note that the Ink Business Unlimited does not offer as many benefits as other cards with higher annual fees. While it shares some similarities with the Ink Business Cash® Credit Card, it lacks features like cellphone protection and trip cancellation/interruption insurance that are available with the Ink Business Preferred® Credit Card.

The Ink Business Unlimited operates on a simple rewards structure, earning 1.5% cash back on all purchases without the need to track rotating categories. However, this simplicity can also be a drawback. For example, if you purchase airfare, you might miss out on earning up to 8 points per dollar spent that a card like the Chase Sapphire Reserve® offers when booking through Chase Travel. Similarly, for office supplies or internet services, the Ink Business Cash earns 5% cash back on the first $25,000 spent each year, while the Ink Business Unlimited only offers 1.5%.

When evaluating the value of this card, it’s crucial to consider how you redeem your rewards. Options include cash back, gift cards, travel, or goods and services through Chase’s rewards program. Cash redemptions yield a value of 1 cent per point, but if you transfer your points to a card that earns Ultimate Rewards points, you can significantly boost your redemption rate, potentially exceeding 3%.

One of the advantages of Chase business credit cards is that they do not contribute to your Chase 5/24 count once opened, although the application process is still subject to this rule. If you qualify for business credit cards, it’s advisable to apply for a Chase business card before seeking personal credit cards, as this strategy can help you navigate the 5/24 limit more effectively.

In summary, the Ink Business Unlimited Credit Card offers an excellent return on everyday business spending, particularly when paired with another Chase card that earns Ultimate Rewards points. With its generous welcome offer and straightforward cash back structure, it represents a valuable option for small business owners looking to maximize their rewards.

For those interested in applying, you can find more details about the Ink Business Unlimited here.

The Points Guy is committed to helping you leverage your everyday spending for cash back or travel experiences that might otherwise be out of reach. While we strive to provide comprehensive credit card comparisons and analyses, our editorial team ensures that our content remains unbiased and not influenced by any credit card company or bank prior to publication. For more information about our advertising policy and product review methodology, please visit our website.