A real-world review of the Chase Ink Business Unlimited card

• Pros:
• No annual fee
• Simple 1.5% cash back on every purchase with no category tracking needed
• Strong welcome offer for a no-annual-fee card
• 0% introductory APR on purchases for the first 12 months

• Cons:
• 3% foreign transaction fee on purchases outside the U.S.
• No bonus categories, so businesses with concentrated spending could earn more elsewhere

If you're a business owner looking for a simple cash back card without an annual fee, the Chase Ink Business Unlimited is a card you should look at. It is a great fit for people who want a good, flat rewards rate without having to deal with complicated bonus categories. You get 1.5% cash back on everything. That makes it a really appealing card for a lot of different businesses, whether you're just starting out on your own or have a bigger company.

This card works especially well if your business expenses are all over the place and don't fit neatly into the usual bonus categories like travel or restaurants. Since there's no annual fee, there's no risk in trying it out. Plus, you can get cards for your employees for free, which helps you rack up rewards on all your company's spending.

Right now, the Ink Business Unlimited is offering $750 in cash back after you spend $6,000 on purchases in your first three months. That's a very good deal for a business card that doesn't have an annual fee. It gives you a lot of value right from the start.

For a card with no annual fee, the Ink Business Unlimited has some solid benefits.

The primary car rental insurance. When you rent a car for business and pay with this card, you get primary coverage. That's a fantastic perk that you don't often see on no-annual-fee cards.

It also has purchase protection, which covers your new items for 120 days if they get damaged or stolen. This is good for up to $10,000 for each claim and $50,000 for each account. The extended warranty is another nice benefit. It adds an extra year to a manufacturer's warranty of three years or less.

You can also get cards for your employees at no extra cost. This is a simple way to earn rewards on all of your business spending.

The way you earn rewards with this card is very simple. You get 1.5% cash back on every purchase you make. There are no caps and no limits. You also get 5% cash back on Lyft rides until March 2025. This is a good straightforward system. It's perfect for business owners who don't have time to mess with tracking spending categories or signing up for quarterly bonuses.

When you earn rewards with the Ink Business Unlimited, they show up as points. Each point is worth one cent when you get cash back. You can get your cash back as a credit on your statement or have it deposited into a U.S. Bank account. You can also use your points for gift cards or to book travel through the Chase Ultimate Rewards website. The value is the same, one cent per point.

The Ink Business Unlimited card doesn't let you transfer points directly to airlines or hotels. But, you can get around this if you also have a premium Chase card that earns Ultimate Rewards points. Cards like the Ink Business Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve will do the trick. If you move your points to one of those cards, you can then transfer them to Chase's airline and hotel partners. This can get you a much better value for your points.

• Ink Business Cash® Credit Card: This is another Chase card with no annual fee. It gives you 5% cash back on the first $25,000 you spend each year at office supply stores and on internet, cable, and phone bills. It also gives you 2% cash back on the first $25,000 you spend each year at gas stations and restaurants. Everything else gets you 1% back.
• The American Express Blue Business Cash™ Card: This card gives you 2% cash back on all your purchases, up to $50,000 a year. After that, you get 1% back. It also has no annual fee.
• Capital One Spark Cash Select for Business: This card is very similar. It gives you 1.5% cash back on all your purchases and has no annual fee.

The Ink Business Unlimited is a fantastic card for business owners who want a simple rewards card that doesn't cost them anything. It's a great fit if your spending is all over the place. The 0% intro APR is also a nice perk if you need to make a big purchase or just want some breathing room with your cash flow.

But, if your business spends a lot on things like travel, food, or office supplies, you should probably look at a card that gives you bonus rewards in those areas. And if you travel outside the country a lot, that 3% foreign transaction fee is going to hurt.

The Ink Business Unlimited is one of the best no-annual-fee business credit cards out there. It has a great welcome offer, a simple way to earn rewards, and some genuinely useful benefits. It is a great choice for a lot of different businesses.

References

[1] The Points Guy: [https://thepointsguy.com/credit-cards/reviews/ink-business-unlimited-credit-card-review/](https://thepointsguy.com/credit-cards/reviews/ink-business-unlimited-credit-card-review/)

[2] NerdWallet: [https://www.nerdwallet.com/business/credit-cards/reviews/chase-ink-business-unlimited](https://www.nerdwallet.com/business/credit-cards/reviews/chase-ink-business-unlimited)

[3] Bankrate: [https://www.bankrate.com/credit-cards/reviews/ink-business-unlimited-credit-card/](https://www.bankrate.com/credit-cards/reviews/ink-business-unlimited-credit-card/)

[4] Chase: [https://creditcards.chase.com/business-credit-cards/ink/unlimited](https://creditcards.chase.com/business-credit-cards/ink/unlimited)