Edited by: Stella Shon
& Kellie Jez
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Good to Excellent (670-850)
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
(at Chase's secure site)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too,
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.
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!
The Ink Business Unlimited card keeps your purchases covered with the following protections:
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.
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.
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.
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.
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.
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.