Ink Business Unlimited® Credit Card
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Discover it® Student Cash Back Card
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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. |
9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We'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 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for first 12 months | 0% APR on purchases for six months from account opening |
| REGULAR APR | |
| 18.49% - 24.49% Variable APR | 10.99% intro balance transfer APR for six months from date of first qualifying balance transfer, 18.24% to 27.24% ongoing variable APR |
| PROS | |
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| CONS | |
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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 | Discover will match all cash back earned at the end of your first year with the card. |
| 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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Discover it® Student Cash Back Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, 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. | Freeze it® - Easily place holds on stolen or missing cards directly through the app for added security and peace of mind. Access to Credit Education - This feature is best for credit scores to improve. Gain access to Discover's Credit Scorecard with your FICO® Credit Score, monthly updates, and tips to help you understand and improve your credit. Cashback Match™ - At the end of your first year with the card, Discover matches all the cash back you've earned, effectively doubling your rewards without any limit. so students benefit from doubling reward points for other spending. Rotating Bonus Categories - Earn 5% cash back on everyday purchases in rotating quarterly bonus categories, such as gas stations, grocery stores, restaurants, and more, up to the quarterly maximum. Good Grade Reward - Get a $20 statement credit each school year if your GPA is 3.0 or higher for up to the next five years. it's not a big reward but a small credit combination helps your spend. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater | Either $10 or 5% of the amount of each cash advance, 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 | 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 18.24%-27.24% Variable APR |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | |
| 3% | None |
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| More Details | More Details |
Ink Business Unlimited® Credit vs. Discover it® Student Cash Back
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