Ink Business Unlimited® Credit Card
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Capital One Spark Miles for Business
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8.9MyCreditCardLab Score
MyCreditCardLab Score 8.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.4MyCreditCardLab Score
MyCreditCardLab Score 8.4We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $95 |
| INTRO APR | |
| 0% intro APR on Purchases for first 12 months | No any intro offer of this card |
| REGULAR APR | |
| 18.49% - 24.49% Variable APR | 25.99% Variable APR |
| PROS | |
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| WELCOME BONUS | |
| $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | 50,000 miles after spending $4,500 within the first three months |
| REWARDS | |
Ink Business Unlimited® Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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Capital One Spark Miles for Business Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| No-cost employee credit cards - You won't pay an extra fee for issuing an employee their business credit card. This can help you track and limit employees spending on the account. Rewards can be combined - Rewards can be combined. This works with another eligible Chase Ultimate Rewards card. The other card must belong to the company owner. You can pool your rewards between cards. This adds more ways to redeem them. Easy-to-understand rewards - Gift cards (1 cent per point). Travel booked through Chase Ultimate Rewards® (1 cent per point). Amazon purchases (0.8 cents per point). 0% interest for 12 months - The Chase Ink Business Unlimited card gives cash back rewards. It also has another great feature for business owners: a 0% APR on new purchases for 12 months. After that, the ongoing rate is 18.49% to 24.49%. If you are planning a large purchase for your business, this is a great chance to finance it at 0% for a year. You can use your sign-up bonus to help pay down the purchase. | Travel Benefits - Capital One Spark Miles for Business has more than just the value of the rewards points. It also has a big signup bonus. It also has many travel benefits and protections. The top benefit is a credit worth up to $100. You get it for Global Entry or TSA Pre✓® when using the Spark Miles to pay the fee. Earning rewards - Earning rewards on your business expenses with the Capital One Spark Miles card is easy. You'll collect unlimited 2 miles per dollar spent on all purchases. And, 5 miles per dollar on hotel and car rentals from Capital One Travel. No foreign transaction fee - Many credit cards tack on a fee of 3% on every overseas purchase. You travel abroad often for business. Or, you buy inventory there. This could get expensive for both you and your employees. But, like all Capital One cards, this card doesn't charge a fee. No additional fee for employee cards - Business owners can earn more rewards. They can do this by giving employees their own cards. They use them to cover business expenses. They would do this without paying an authorized user fee. You can also set credit limits and spending reports on each card. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater | 32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| 18.49% - 24.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater | 25.99% variable based on the Prime Rate |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | $0 |
| BEST FOR | |
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| More Details | More Details |
Ink Business Unlimited® Credit vs. Capital One Spark Miles for Business
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