Ink Business Unlimited® Credit Card

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 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

4.6/5.0

Welcome Offer

Earn $750 bonus cash back

Annual Fee

$0

0% on Purchases

12 months

Reward Rate

1.5%

0% on Balance Transfers

N/A

Welcome Offer

Earn $750 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, Apple Pay, Google Pay, Samsung 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 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 StatusDateCredit ScoreBureauCredit Limit
Approved03/18/2023
825
Experian
$6,000
Approved12/14/2023
783
TransUnion
$8,000
Approved12/14/2023
787
Experian
$8,000
Approved12/14/2023
791
Equifax
$8,000
Approved10/04/2023
734
TransUnion
$8,000
Approved10/04/2023
735
Equifax
$8,000
Approved10/30/2023
850
Experian
$16,000
Approved04/25/2023
662
Equifax
$4,000
Approved04/25/2023
667
TransUnion
$4,000
Approved04/25/2023
718
Experian
$4,000
Approved04/16/2023
843
Experian
$16,000
Approved01/12/2024
653
Experian
$4,000
Approved01/12/2024
672
TransUnion
$4,000
Approved01/12/2024
675
Equifax
$4,000
Denied01/12/2024
756
Experian
$10,000
Denied01/12/2024
775
TransUnion
$10,000

Pros & Cons

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

4.7

Rewards Range

1-3x points

Annual Fee

$95

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

Rating

4.8

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

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