Ink Business Unlimited Credit Card review: Best ever welcome offer and no annual fee

The Ink Business Unlimited® Credit Card (see rates and fees) is likely one of the greatest enterprise playing cards with no annual payment as a result of it earns 1.5% again on each buy. That money again could be changed into useful Chase Final Rewards factors when paired with an eligible Chase card. Card Ranking*: ⭐⭐⭐⭐

*Card Rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Ink Business Unlimited is a small-business card that carefully mirrors the favored Chase Freedom Unlimited® (see rates and fees). The Ink Enterprise Limitless doesn’t cost an annual payment, and its easy reward construction is extra useful than it appears at first look.

Though there are different playing cards that earn 1.5% money again (or extra), when paired with an Final Rewards incomes card, the Ink Enterprise Limitless card means that you can convert money again to Chase Ultimate Rewards factors. This implies you’ll be able to combine Chase points from your separate card accounts and switch them to the Final Rewards program’s numerous airline and hotel partners.

Whereas not everyone seems to be eligible for a business credit card, it could be simpler to be accepted than you suppose, supplied you could have a “good to wonderful” credit score of 670 or above, as a result of freelancing and different sole-proprietor enterprises can depend as a enterprise within the eyes of Chase and lots of different issuers.

Let’s dive into the small print.

New Ink Business Unlimited cardholders earn a $900 money again bonus after spending $6,000 on purchases throughout the first three months from account opening.

This limited-time provide matches the best offer we noticed on the cardboard from September to November 2024.

You possibly can redeem the welcome bonus as money again, present playing cards or journey booked by way of Chase Travel℠.

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Nonetheless, you’ll be able to greater than double your return (doubtlessly) should you pair the Ink Enterprise Limitless with a card that earns transferable Final Rewards factors, such because the Chase Sapphire Preferred® Card (see rates and fees).

In accordance with TPG’s September 2025 valuations, these 90,000 Final Rewards factors are price $1,845.

That is a strong haul on a card that prices no annual payment.

Associated: The best welcome offers this month

You get what you pay for in relation to advantages, so it is no shock that the Ink Business Unlimited would not provide as many perks as different playing cards with greater annual charges.

Its advantages are an identical to these supplied by the Ink Business Cash® Credit Card (see rates and fees), however they don’t seem to be fairly nearly as good because the perks supplied on the Ink Enterprise Most well-liked® Credit score Card. Most notably, you’ll not get cellphone protection or journey cancellation/interruption insurance coverage.

The data for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Here is a fast rundown of what is included:

• Purchase protection: This covers new purchases for as much as 120 days towards harm or theft, as much as $10,000 per declare and $50,000 per account.
• Auto rental collision damage waiver: When renting a automobile for enterprise functions utilizing the Ink Enterprise Limitless, you’ll be able to decline the rental automobile firm’s collision insurance coverage and be coated by the cardboard as much as the car’s money worth within the case of theft or collision harm. That is legitimate on most leases within the U.S. and overseas, and protection is main, which suggests it applies earlier than your individual automobile insurance coverage coverage.
• Extended warranty: This extends a U.S. producer’s guarantee interval by an extra yr on eligible warranties of three years or much less.
• Worker playing cards at no extra value: If workers are allowed to make use of the account, they are going to be licensed customers and may have equal charging privileges until you determine particular person spending limits.

The Ink Business Unlimited earns 1.5% money again on all purchases utilizing an easy rewards construction that doesn’t require occupied with rotating or bonus classes. This represents each the fantastic thing about this card and its potential draw back.

For instance, should you purchase airfare with this card, you could possibly be forgoing rewards of as much as 8 factors per greenback spent {that a} card just like the Chase Sapphire Reserve® (see rates and fees) affords when reserving through Chase Journey.

The identical goes for paying for workplace provides or web service. The Ink Business Cash earns 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable, cellphone and landline companies every account anniversary yr (then 1% thereafter).

It additionally earns 2% again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every year. All different purchases earn 1% money again.

Watch out about solely evaluating this card based mostly on its cash-back worth. The limitless money again supplied by this card will not provide the highest return amongst cash-back business credit cards — should you redeem for money, anyway.

Associated: How to pick a strategy for your small-business credit cards

Redeeming rewards on the Ink Enterprise Limitless

There are a couple of key methods to redeem your rewards: money again, present playing cards, journey or items and companies supplied by way of Chase’s rewards program.

Should you redeem for money, you’ll be able to obtain your cash as an announcement credit score or by way of an digital deposit into an eligible U.S. checking or financial savings account. Factors redeemed for money, gift cards or journey are price 1 cent apiece.

You possibly can enhance your redemption charge to an efficient return of over 3% (based mostly on TPG’s September 2025 valuations) on all spending should you transfer your factors to a full-fledged Final Rewards private or enterprise card, resembling:

The opposite card have to be registered to you, the proprietor of the corporate or a member of your family to qualify for a switch.

The Ink Business Unlimited can signify an unimaginable worth proposition when partnered with any of those different playing cards. As soon as you progress factors to an account that earns Final Rewards factors, you’ll be able to transfer them to valuable airline and hotel partners or e book journey straight by way of Chase Journey and obtain a flat worth in your factors, depending on the precise redemption. See your rewards program settlement for full particulars.

TPG bank card author Danyal Ahmed holds each the Ink Enterprise Limitless and the Sapphire Reserve and at all times combines his factors to switch them to an airline. He not too long ago transferred 75,000 factors to Air Canada Aeroplan to e book multicity business-class tickets for his total household from London to Istanbul after which onward to Zurich.

Associated: The power of the Chase Trifecta: Maximize your earnings with 3 cards

The Ink Business Unlimited‘s opponents are playing cards that provide an identical return on all spending. Enterprise bank cards that provide fixed-rate rewards embrace:

Associated: How to choose the best credit card for your business expenses

The Ink Business Unlimited is a useful possibility for on a regular basis spending should you pair it with the best card. Holding a premium Chase card just like the Chase Sapphire Reserve may also maximize your corporation bank card rewards. Nonetheless, be careful for Chase’s 5/24 restrictions.

The Ink Business Unlimited could be useful in maximizing your rewards from enterprise spending.

One benefit to opening Chase enterprise bank cards is that they will not add to your Chase 5/24 depend as soon as they’re open, regardless that making use of for them within the first place is topic to the rule. So, should you qualify for enterprise bank cards, it is a good technique to use for a Chase enterprise card first, earlier than you apply for private bank cards with Chase or different banks, which can depend towards that 5/24 restrict.

This card affords an incredible return on everyday spending, which could be supercharged you probably have one other card incomes Chase Final Rewards factors.

Apply right here: Ink Business Unlimited

For charges and costs of the Blue Enterprise Plus card, click on here.