Ink Business Unlimited full review

Ink Business Unlimited credit card has a $750 bonus cashback after you spend $7,500 on purchases in the first 3 months.

Learn more about the Ink Business Unlimited credit card

Chase Bank, or simply Chase, is an American national bank headquartered in New York City, that constitutes the consumer and commercial banking subsidiary of the U.S. multinational banking and financial services holding company, JPMorgan Chase.

Chase serves nearly half of America’s households with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans, and payment processing.

JPMorgan Chase & Co. had assets of $3.31 trillion in 2022, which makes it the largest bank in the United States as well as the bank with the most branches in the United States.

The Ink Business Unlimited credit card is a product from Chase bank designed for small entrepreneurs. It is an ideal credit card for those who do not want to spend too much time exploring in detail the reward programs of the different credit cards available on the market.

How Ink Business Unlimited credit card works

Ink Business Unlimited credit card consumers have unlimited 1.5% cash back rewards on every purchase. Plus, there is a very generous bonus as an introductory offer: a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after the account opening.

Ink Business Unlimited credit card has 0% intro APR for 12 months from account opening on purchases. After that, 15.49%–21.49% variable APR.

In case you need it, there are no charges for employee cards. Employee cards let you set individual spending limits and help you earn rewards even faster, so take advantage of that too.

Ink Business Unlimited cardholders will be able to redeem their rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards. This is how is going to work:

Cash Back

Redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. There are no minimums to redeem your Cash Back rewards points.


Book your business travel through Chase Ultimate Rewards®. Redeem for rental cars, hotel stays, or fly any class on most major airlines with no restrictions or blackout dates on airfare.

Apple® Ultimate Rewards Store

Boost office productivity with a technology refresh. Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.

Gift Cards

Whether it’s for yourself, your clients, or your employees – the choice of where to redeem your business rewards is yours. Chase offers over 150 of your favorite gift card brands including hotels, office supply stores, electronics, and more.

Some benefits of the Ink Business Unlimited credit card

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Roadside Dispatch

If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need – anything from a tow or jumpstart to a tire change, lockout service, winching, or gas delivery.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Manage your cash flow

Make payments using a business credit card to hold onto your money longer.

Build your business credit

As your business grows, you’ll need access to more capital. With Ink, your business builds its own credit history.

Get insights into your business

Chase Ink® gives you 24/7 access to view account details, quarterly reports, up to 24 months of statement details, and more.

Separate business and personal expenses

Easily track expenses and maintain records for tax reporting and other business needs.

Enjoy peace of mind

Choose the alerts you want and how you’d like to receive them.

Are there any drawbacks to this card?

flat-rate cashback may be beaten by business cards with bonus categories, depending on your spending.

Would you like to know how to apply for the Ink Business Unlimited credit card?

As said before, Ink Business Unlimited credit care is more suited to small entrepreneurs who don’t want to waste time researching rewards programs. Se sua empresa se encaixa neste perfil, então clique abaixo para saber como solicitar seu Ink Business Unlimited credit care.

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