Ink Business Unlimited® Credit Card
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The Ink Business Unlimited® Credit Card is a business card designed for small business owners who want a straightforward rewards structure and who don’t want to pay an annual fee. It comes with a 0% Intro APR on purchases for the first 12 months, after that variable APR of 18.49% - 24.49%. So you can make a major purchase without having to worry about paying tons of interest. Add in a generous welcome offer and this card is a great option for small business owners. We dive into the details and your approval odds in this Ink Business Unlimited review.
Our Rating
4.6/5.0
Welcome Offer
Earn $900 bonus cash back
Annual Fee
$0
0% Intro on Purchases
12 months
Reward Rate
1.5%
0% Intro on Balance Transfers
N/A
Welcome Offer
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Editorial Review
The Ink Business Unlimited® Credit Card is an excellent choice for business owners seeking straightforward, hassle-free daily spending rewards. With an unlimited 1.5% cash back on all purchases, this card simplifies the reward-earning process without any rotating categories or caps to worry about.
The card offers a generous welcome offer and $0 annual fee, making it a cost-effective option for both burgeoning and established businesses. Whether you’re covering office supplies, utility expenses, or client dinners, the Ink Business Unlimited® Credit Card ensures every expense is working hard for your business.
Our Four Favorite Features of the Ink Business Unlimited® Credit Card
- Unlimited Cash Back: This card provides a straightforward and competitive cashback rate of 1.5% on every purchase, with no limits on how much you can earn. This feature is ideal for businesses that want a simple, no-fuss rewards program without the need to track spending categories.
- Introductory APR Offer: The Ink Business Unlimited® Credit Card includes an introductory 0% APR on purchases for the first 12 months from account opening, then 18.49% – 24.49% variable APR. This can be particularly advantageous for new businesses making initial purchases or those planning larger investments who want to pay over time without accruing interest.
- No Annual Fee: The Ink Business Unlimited® Credit Card has a $0 annual fee, making it an economical option for businesses mindful of overhead costs. This feature and the straightforward cash-back program ensure businesses maximize their rewards and savings without worrying about offsetting a yearly charge.
- Generous Welcome Offer: The card offers a substantial welcome offer to new cardholders who meet a spending threshold within the first few months of account opening. Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. This offer can significantly boost cash-back earnings, making it lucrative for businesses planning to make sizable purchases shortly after obtaining the card.
Frequently Asked Questions (FAQ)
What are the main advantages of the Ink Business Unlimited® Credit Card?
The Ink Business Unlimited® Credit Card offers a simple and effective rewards structure: it provides an unlimited 1.5% cash back on all purchases, with no categories to track and no cap on the cash back you can earn. This makes it ideal for business owners who prefer a straightforward approach to rewards. The card includes a generous welcome offer and a $0 annual fee. Plus, an introductory 0% APR on purchases for the first 12 months from account opening, then 18.49% – 24.49% variable APR, making it a financially appealing option for managing business expenses.
Can the cash back earned with the Ink Business Unlimited® Credit Card be used for anything?
Yes, the cash back earned on the Ink Business Unlimited® Credit Card is extremely versatile. It can be redeemed for statement credits, direct deposits into most U.S. checking and savings accounts, gift cards, travel, and more. This flexibility allows business owners to use their rewards to suit their needs best, whether offsetting costs with statement credits or investing in future business activities through travel or purchases.
Is there a limit to how much cash back I can earn with the Ink Business Unlimited® Credit Card?
No, there is no limit to the amount of cash back you can earn with the Ink Business Unlimited® Credit Card. The card provides an unlimited 1.5% cash back on all purchases, which means the more you spend, the more rewards you’ll accumulate. This feature is especially beneficial for businesses with high monthly expenses, as it ensures they are rewarded for every dollar spent.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Regular APR | 18.49% - 24.49% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 18.49% - 24.49% (V) APR after that. |
What Credit Score Is Required to Get the Ink Business Unlimited® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 653
Average Approved Credit Score: 743
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/18/2023 | Experian | ||
| Approved | 12/14/2023 | TransUnion | ||
| Approved | 12/14/2023 | Experian | ||
| Approved | 12/14/2023 | Equifax | ||
| Approved | 10/04/2023 | TransUnion | ||
| Approved | 10/04/2023 | Equifax | ||
| Approved | 10/30/2023 | Experian | ||
| Approved | 04/25/2023 | Equifax | ||
| Approved | 04/25/2023 | TransUnion | ||
| Approved | 04/25/2023 | Experian | ||
| Approved | 04/16/2023 | Experian | ||
| Approved | 01/12/2024 | Experian | ||
| Approved | 01/12/2024 | TransUnion | ||
| Approved | 01/12/2024 | Equifax | ||
| Denied | 01/12/2024 | Experian | ||
| Denied | 01/12/2024 | TransUnion |
Pros & Cons
- Welcome offer
- No annual fee
- Earns Chase Ultimate Rewards points
- Earn 1.5% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
Capital One Spark Cash Select for Excellent Credit
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
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