Ink Business Unlimited® Credit Card Review: Unlimited 1.5% Cash Back for Small Businesses
Small business owners are always looking for ways to cut costs and maximize rewards. The Ink Business Unlimited® Credit Card from Chase offers a simple, flat-rate cash-back system that makes it one of the most popular business credit cards in the United States.
Key Highlights of the Ink Business Unlimited® Credit Card
- Unlimited 1.5% cash back on every purchase
- $750 bonus cash back after spending $6,000 in the first 3 months
- No annual fee
- 0% intro APR for 12 months on purchases, followed by a variable APR
- Employee cards available at no extra cost
- Flexible redemption options: statement credit, travel, gift cards, or direct deposit
Why Small Business Owners Choose This Card
Unlike category-based business cards that require tracking spending, the Ink Business Unlimited® keeps it simple. Whether you’re buying office supplies, paying for digital ads, or fueling company vehicles, you earn the same 1.5% cash back with no limits.
Financial experts note that this makes it particularly valuable for business owners who want straightforward rewards without juggling rotating categories.
“Consistency matters for small businesses,” says Karen Lewis, a financial advisor based in New York. “With this card, you know exactly what you’re earning every time you swipe.”
Sign-Up Bonus and Rewards Value
The $750 bonus is one of the most competitive offers in its category, especially considering the card has no annual fee. To qualify, you need to spend $6,000 in the first 3 months—achievable for most small to medium-sized businesses with regular expenses.
Since rewards can be redeemed for cash back or travel through Chase Ultimate Rewards®, businesses gain flexibility in how they use their earnings.
Additional Perks
- Purchase Protection: Covers new purchases against damage or theft for 120 days.
- Extended Warranty: Adds an extra year on eligible U.S. manufacturer warranties.
- Travel and Auto Rental Coverage: Secondary coverage for business travel needs.
- Fraud Protection & Security: Zero liability for unauthorized charges.
Downsides to Consider
- No bonus categories: Competitors like the Ink Business Cash® offer 5% back on office supply stores and telecom services, which may be more rewarding for some businesses.
- Foreign transaction fees: 3% per transaction abroad, making it less ideal for international spending.
Who Should Apply?
The Ink Business Unlimited® Credit Card is best for:
- Business owners who want simple, flat-rate rewards
- Companies with varied spending that doesn’t fit into bonus categories
- Entrepreneurs seeking a no-annual-fee card with a large welcome bonus
Those with heavy international travel or large spend in specific categories may want to compare it with the Ink Business Preferred® Credit Card or other travel-focused business cards.
Perfect 👍 Let’s create a comparison-style review article since these perform very well in Google News and search results. Here’s a detailed, SEO-optimized comparison of Chase’s three major business credit cards:
Chase’s Ink Business credit card lineup is among the most popular in the United States for small and medium-sized businesses. With three different options—Ink Business Unlimited®, Ink Business Cash®, and Ink Business Preferred®—each card is designed for different spending habits. Here’s a detailed breakdown to help you choose the right one.
Overview of Chase Ink Business Cards
| Feature | Ink Business Unlimited® | Ink Business Cash® | Ink Business Preferred® |
|---|---|---|---|
| Rewards | Unlimited 1.5% cash back | 5% on office supplies & telecom, 2% on gas & dining, 1% everywhere else | 3x points on travel, shipping, social media ads & select business categories |
| Sign-Up Bonus | $750 after $6,000 spend in 3 months | $750 after $6,000 spend in 3 months | 100,000 points after $8,000 spend in 3 months |
| Annual Fee | $0 | $0 | $95 |
| Intro APR | 0% for 12 months | 0% for 12 months | None (variable APR applies immediately) |
| Best For | Simple, flat rewards | Targeted business categories | Heavy spenders, travel rewards seekers |
Ink Business Unlimited®: Simple and Consistent
This card is perfect for business owners who don’t want to track categories. You earn 1.5% cash back on every purchase, whether it’s office supplies, online ads, or client dinners.
- Pros: No annual fee, simple flat-rate rewards, large sign-up bonus.
- Cons: No bonus categories, 3% foreign transaction fee.
- Best For: Businesses with mixed expenses and those who prefer a no-hassle card.
Ink Business Cash®: Best for Office & Telecom Spending
If your business spends heavily on office supplies, internet, phone, or cable services, this card offers the most value. You get:
- 5% cash back on office supply stores and telecom services (up to $25,000/year).
- 2% cash back on gas stations and restaurants (up to $25,000/year).
- 1% cash back on all other purchases.
- Pros: No annual fee, strong bonus categories, same $750 sign-up bonus.
- Cons: Rewards capped at $25,000 per category per year, flat 1% on everything else.
- Best For: Businesses with predictable spending in office-related categories.
Ink Business Preferred®: Powerhouse for Travel & Big Spenders
The Ink Business Preferred® is Chase’s premium small business card, with a $95 annual fee but far higher earning potential.
- 3x points on the first $150,000 spent annually on travel, shipping, internet, phone, and digital ads.
- 100,000-point sign-up bonus (worth $1,250 in travel through Chase Ultimate Rewards®).
- Premium travel protections and purchase coverage.
- Pros: Huge bonus, travel redemption value, great for online ad spenders.
- Cons: Annual fee, requires higher spending to maximize value.
- Best For: Businesses that spend big on ads, shipping, or travel and want flexible reward points.
Which One Should You Choose?
- Choose Ink Business Unlimited® if you want simplicity and flat cash back with no categories to track.
- Choose Ink Business Cash® if your company spends a lot on office supplies, telecom, gas, or dining.
- Choose Ink Business Preferred® if you’re a high-spending business that values travel rewards and premium benefits.
Conclusion: A Smart Pick for Everyday Business Spending
The Ink Business Unlimited® Credit Card stands out for its unlimited 1.5% cash back, no annual fee, and generous sign-up bonus. For business owners who value simplicity, transparency, and reliable rewards, it’s one of the strongest options available in 2025.