KEY LINK: Ink Business Unlimited® Credit Card – Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. $0 annual fee.
Small Business credit cards are a bit of a special animal in the credit card world. Unlike what we call “personal” cards, some cards like the Chase Ink Business Unlimited that are tagged as “business” cards do require you to have a business to apply. You’ll be asked for business identifier (SSN or EIN), business income, years in business and other things about your business on your Chase Ink Business Unlimited application. I’m lucky to have a couple of businesses, but you might have a business too, even if you don’t think you do. You can often apply just as a sole proprietorship with your own SSN if you don’t have a separate business EIN.
Chase Ink Business Unlimited
Chase Ultimate Rewards are one of the best types of miles and points currencies out there – because it’s a transferrable currency, it’s able to be transferred to a variety of miles and points partners, which helps insulate it from devaluations.
Plus it’s easier than others to get a lot of – including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card, Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, Chase Freedom Flex®, and Chase Freedom Unlimited®.
The Chase Ink Business Unlimited has 3 main things going for it
- First, a welcome offer that allows you to earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months (it’s advertised as a cash bonus, but see the section below)
- 1.5% cashback on everyday purchases
- No annual fee
And that’s…. pretty much it. No frills, no category bonuses. Just a solid welcome offer, a solid earn for your everyday spend, and no annual fee. This is very similar to the Chase Freedom Unlimited card, but with a much bigger welcome offer. This card does fall under the Chase 5/24 rule, so you’ll likely not be approved if you’ve applied for 5 or more cards in the past 24 months.
Combining Chase Ultimate Rewards from your Chase Ink Business Unlimited® Credit Card
Since the Chase Ink Business Unlimited card is not considered a “premium” card, its points are only worth 1 cent when considered by themselves. However, if you already HAVE a premium card (like the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card for example), then you are able to (at least for now!) convert the cashback you earn with the Ink Unlimited to Chase Ultimate Rewards and combine all your Chase Ultimate Rewards into one account.
So your 1.5% cashback, if converted to Ultimate Rewards and transferred to an account with the Sapphire Reserve (where you can REDEEM for 1.5 times), would give you 2.25% back on purchases through the Chase Ultimate Rewards portal. And of course if you transfer them to travel partners, you can often get even MORE value.
To me, this makes the Chase Ink Business Unlimited possibly the best business credit card to put everyday spending on, if you’re not meeting a minimum spending requirement or getting a category bonus.
Primary Rental Car Coverage and Travel Protections
One of the best Chase Ink Business Unlimited benefits is that it offers primary car rental coverage in most countries around the world, as long as you are renting the car for business purposes. Renting a car using a credit card that has primary car rental coverage can be a big time and money saver if you happen to get into an accident or cause damage while renting.
(SEE ALSO: How a Chase car insurance claim saved my mom nearly $900)
(SEE ALSO: Why you’re foolish to rent a “standard” car)
The Chase Ink Unlimited card also offers travel and emergency assistance services.
Is the Chase Ink Business Unlimited® Credit Card the best business card out there?
I think the Chase Ink Business Unlimited card has a case for the best business card out there. Here’s a quick look at some of the other contenders
- Ink Business Preferred® Credit Card – with a welcome offer that lets you earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. You’ll earn 3x category bonuses on the first $150000 on travel and select business expenses but only 1x on every day spend and a $95 fee
- Ink Business Cash® Credit Card – with a welcome offer that lets you earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.. You’ll earn only 1x on everyday spend and 5x on on the first $25,000 in combined purchases at office supply stores, internet, cable, and phone services and no annual fee. Comparing the Ink Cash to the Ink Business Unlimited will depend on how much of your regular spend is in these bonus categories
- The Blue Business® Plus Credit Card from American Express – no annual fee (see rates and fees), 2x Membership Rewards on every purchase (up to $50,000 in purchases per year) and a welcome offer of 15,000 Membership Rewards points after you spend $3,000 in the first three months (though I’ve seen the bonus vary over time)
- The Business Platinum Card® from American Express – this card has a $695 annual fee (see rates and fees) but comes with a variety of premium benefits (but only 1x on everyday spend, though there are bonuses in some categories and for large purchases). Currently it has a bonus of 150,000 Membership Rewards points after you spend $20,000 in the first 3 months of having the card
The Bottom Line – Chase Ink Business Unlimited® Credit Card Review
KEY LINK: Ink Business Unlimited® Credit Card – Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. $0 annual fee
If you’re looking for links to apply to the American Express business credit cards instead, you can find it on our top credit card offers page, under small business cards. If you’re interested in signing up, we may receive a commission if you sign up through our link – we appreciate the support!
What do you think? Where does the Chase Ink Business Unlimited card fall in the list of best business cards out there? Leave your thoughts in the comments
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Dan Miller travels with his wife and 6 (SIX!) children. He loves to help families travel for free / cheap, especially larger families. If you are looking for help, drop him an email at 
What do you mean, “at least for now” combine points from this card to the Sapphire? Forever it has been that you could combine points from the old Ink Plus, the current Ink Cash and Ink Unlimited to your Sapphire card account if you have one. As well as move those points to your wife’s Sapphire, if she has one. So, what do you mean, “at least for now”? I know of no rumor of any change to this long standing policy.
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Your writing style is engaging, and the content you shared was both informative and thought-provoking. Keep up the great work
NGO Services
Your writing style is engaging, and the content you shared was both informative and thought-provoking. Keep up the great work. Keep Writing,