Ink Business Unlimited® Credit Card

The card_name 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 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 Ink Business Unlimited review.

Our Rating
4.9/5.0

Welcome Offer
Earn $900 bonus cash back

Annual Fee
$0

0% on Purchases
12 months

Reward Rate
1.5%

0% 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.

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

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction in U.S. dollars
Regular APR18.49% - 24.49% (V) APR
Purchases0% 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 a number of factors in their underwriting process, and these factors can change at any time.

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

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

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Related Stories