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Chase Ink Business Unlimited card review: A great introductory business credit card

This business credit card offers no-frills rewards on all of your business spending.
Written by Erin Gobler, Contributor
Chase Ink Business Unlimited® Credit Card
Chase Ink Business Unlimited® Credit Card
Chase Ink Business Unlimited® Credit Card
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When you're growing a small business, the right business credit card can help you manage your spending, build your business credit, and earn rewards from your everyday purchases. And for business owners looking for a simple, no-frills card with reliable rewards and no annual fee, the Chase Ink Business Unlimited Credit Card is a great place to start.

Wondering whether the Chase Ink Business Unlimited is right for your business? Keep reading to learn what perks the card offers.

card highlights
intro bonusEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
APR18.49% - 24.49% Variable
recommended creditGood, Excellent
reward rates
  • Earn unlimited 1.5% cash back on every purchase made for your business
annual fee$0
intro purchase APR0% Intro APR on Purchases for 12 Months

While plenty of business cards work to attract businesses with spending in certain categories, the Ink Business Unlimited rewards you with 1.5% cash back for all of your spending -- no matter what category it's in. When you earn cashback on your Chase card, you can use your rewards to get cashback, gift cards, travel, and purchases through the Apple Ultimate Rewards Store.

The Chase Ink Business Unlimited comes with several other noteworthy rewards. One example is that you can get employee cards at no additional cost. You can set a spending limit on each card, and any spending on your employee cards goes toward your rewards.

The card also offers travel perks, like rental car coverage and roadside dispatch whenever you have a roadside emergency. In addition, it offers purchase protection on new purchases for 120 days in case of damage or theft and extended warranty protection for one year of additional coverage on manufacturer's warranties.


  • No annual fee
  • Generous new cardmember bonus
  • 1.5% cashback in all categories
  • Rewards don't expire


  • No bonus categories
  • Foreign transaction fee
Chase Ink Business Unlimited® Credit Card

Chase Ink Business Unlimited® Credit Card

Go to Chase to learn more.

Is the Chase Ink Business Unlimited card right for you?

The Chase Ink Business Unlimited is perfect for business owners who want to be able to use one credit card for all of their purchases. No, the rewards don't match up with some of the bonus category rewards offered with other credit cards. But for business owners who spend in a variety of categories and want a card with simple benefits and no annual fee, this is a great option.

This card could also be a good option for Chase customers who have a full-fledged Ultimate Rewards card for personal spending, such as the Chase Sapphire Preferred Card or the Chase Sapphire Reserve, since you can transfer your rewards to those cards and get more value.

What is the credit limit on the Chase Ink Business Unlimited card?

When you're approved for the Chase Ink Business Unlimited, you'll get a credit limit of at least $3,000 and up to $25,000. For credit limits over $25,000, Chase has a more in-depth review process.

Is the Chase Ink Business Unlimited card worth it?

Because Chase Ink Business Unlimited offers cashback on all purchase categories, it's an excellent option for many businesses. It's especially suited for those who want to use one card for all business expenses. But for businesses with more specialized spending, there may be other cards are a better fit.

The bottom line

The Chase Ink Business Unlimited is a great introductory business credit card for small business owners. It doesn't require an annual fee and has a generous intro APR for purchases when you sign up. It also has an attractive signup bonus, which is a nice perk. 

Ultimately, if you want just one credit card to use for all your spending in a lot of different categories, this card is a great option.

Are there alternatives to the Chase Ink Business Unlimited?

The Chase Ink Business Unlimited is an excellent business credit card, but it's just one of the great options out there. Chase also has several other business cards, including the Chase Ink Business Cash and Chase Ink Business Preferred cards.

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