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You are here: Home / Credit Cards / Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

June 13, 2022 by Rob Berger

The Ink Business Unlimited® Credit Card is a business card designed for small business owners who want a straightforward structure and who don’t want to pay an annual fee. Another great feature is the 0% APR on purchases for the first 12 months, so you can make a major purchase without having to worry about paying tons of interest. Add in a generous welcome bonus and this card is a great option for small business owners.  We dive into the details and your approval odds in this review.

Ink Business Unlimited® Credit Card
Learn More
Our Rating
4.9/5.0
Welcome Offer
$900
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
1.5%
0% on Balance Transfers
None

Rewards

1.5% cash back
All eligible purchases
1.5% cash back on all eligible purchases with no limits to the amount you can earn

Earn $900 after spending $6,000 within your first 3 months.

Pros & Cons

Pros
  • Welcome bonus
  • No annual fee
  • Earns Chase Ultimate Rewards points
  • Earn 1.5% cash back
Cons
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Roadside Assistance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of the amount of each transaction in U.S. dollars.
Regular APR17.49% - 23.49% (V) APR

0% Intro APR

Purchases0% Intro APR for 12 months on purchases, then 17.49% - 23.49% (V) APR after that.

What Credit Score Is Required to Get Ink Business Unlimited?

Based on data we’ve collected from public forums, a credit score of 750 or higher is ideal. We have seen an approval with a score as low as 720, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved03/24/2022
810
Equifax
$8,000
Approved02/01/2022
779
Experian
$6,000
Approved03/12/2020
799
Experian
$18,000
Approved06/11/2022
796
Equifax
$7,500
Approved06/11/2022
812
Experian
$7,500
Approved07/13/2021
790
Equifax
$10,000
Approved07/13/2021
730
Equifax
$5,000
Approved04/27/2021
720
Experian
$3,000
Approved10/07/2020
751
Experian
$3,000
Approved04/01/2022
781
Experian
$50,000
Approved04/01/2022
763
Experian
$3,000
Denied04/20/2020
775
Experian
---

What are the best alternatives?

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.9

Rewards Range

1-3x points

Annual Fee

$95

Read Review
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Read Review
Capital One Spark Cash Select - $500 Cash Bonus
Capital One Spark Cash Select - $500 Cash Bonus

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review

Related Articles

  • 22 Best Small Business Credit Cards of February 2023
  • Ink Business Preferred® Credit Card vs. Ink Business Unlimited® Credit Card
  • 10 Benefits of Chase Ink Business Cards for Freelancers and Business Owners
  • Chase Ink Business Credit Cards Comparison

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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