Ink Business Unlimited Credit Card Review

Aedam Jo Written by
chase ink business unlimited
8.92/10 MyCreditCardLab Score
Ink Business Unlimited® Credit Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
8.9

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% for the first 12 months from the date of account opening
9.3

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
18.49% - 24.49% Variable APR
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
9.5

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
8.4

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
Earn unlimited 1.5% cash back on every purchase made for your business
8.7

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
Small business, Travel
9

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
690 - 850 (Fair - Exceptional)
8.9

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
3%
8.6

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $15)
7.9

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
N/A
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Large Welcome Bonus

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Foreign Transaction Fee
  • Intro APR, Introductory Bonus
  • Penalty APR
  • Spending Categories (Groceries, Dining, Travel, etc.)

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • Unlimited 1.5% cash back rewards on purchases
  • No membership fees
  • $750 initial rewards bonus
  • 0% Intro APR on purchases for 12 months

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • 3% Foreign fee
  • No intro APR on balance transfers
  • No bonus categories
Why Trust MyCreditCardLab Review
  • 50+ Credit Cards Ranked
  • 2000 Data Points Collected
  • 10 Levels of Rank Checking
  • 25+ Categories Considered

At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.

See our full methodology

In This Review

Reviews Annual Fee Welcome Bonus Rewards Benefits Comparisons APR Credit Score needed FAQs
8.9

Review: Ink Business Unlimited® Credit Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score Ink Business Unlimited® Credit Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Very Good
Regular APR Very Good
Annual Fee Exceptional
Welcome Bonus Excellent
Rewards Good
Benefits Very Good
Recommended Credit Score Very Good
Foreign Transaction Fee Very Good
Cash Advance Fee Very Good
Balance Transfer Fee Good

Who can apply for Ink Business Unlimited® Credit Card?

We have categorized Ink Business Unlimited® Credit Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

10

Ink Business Unlimited® Credit Card Annual Fee

Card type: Business Credit Cards

Issuer Name: Chase

No annual fee

9.5

Welcome Bonus

The latest Ink Business Unlimited card's sign-up bonus lets you earn $750 in cash back. You can do so by spending $6,000 on purchases in your first three months. This can be a big payoff. This is especially true if you have large purchases or upgrades planned for your business.

This new bonus is $150 less than the card’s old offer. But, it's still a great value. This is true because it's a no-fee business card.

8.9

APRs: Ink Business Unlimited® Credit Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the Ink Business Unlimited® Credit Card.

Type of APR Rating
Intro APR - 0% intro APR on Purchases for first 12 months 8.9/10Very Good
Regular APR - 18.49% - 24.49% Variable APR 9.3/10Very Good
Purchase - 18.49% - 24.49% Variable APR 9.1/10Very Good
Balance transfer - 18.49% - 24.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater 7.9/10Good
Cash advance - 29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater 8.6/10Very Good
Penalty - Up to 29.99% 8.8/10Very Good
8.7

Ink Business Unlimited® Credit Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the Ink Business Unlimited® Credit credit card:

Benefits Score
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.

 9.4/10Very Good
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.

 8.9/10Very Good
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).

 9.1/10Very Good
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.

 8.9/10Very Good
8.4

Ink Business Unlimited® Credit 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:

  • You can redeem rewards for cash back, gift cards, and travel. You can also redeem them for more through Chase Ultimate Rewards®.
  • Unlimited 1.5 percent cash back on all purchases
  • With Zero Liability, you won’t be held responsible for unauthorized charges. They are made with your card or account information.
  • Get rewards faster with employee cards. They cost nothing extra. Set individual spending limits for greater control.

Ink Business Unlimited® Card Rewards Potential

Spend Cash Back Percentage Estimated Earnings
1 month $1,500 1.5% $22.5
3 month $4,500 1.5% $67.5
6 month $9,000 1.5% $135
1 Year $18,000 1.5% $270

How to Redeem Cash Back

Chase cash-back credit cards are more versatile. They beat many other cash back cards from larger banks. This is because the Ink Card’s cash back applies to redemptions. You use them through Chase’s Ultimate Rewards portal. Chase Ultimate Rewards offers great value. It has many award options. Those options include:

  1. Travel
  2. Shopping
  3. Statement credits
  4. Donations
  5. Gift Cards
  6. Points transfers with select partners

 

Pro Tip
It is often smart to transfer Ultimate Rewards points to World of Hyatt. But, be careful before moving them to Marriott Bonvoy or IHG One Rewards. This switch could lead to a loss in value. You may be better off booking stays with these hotels via the Chase travel portal. This is true for Sapphire or Ink Business Preferred cardholders. Using them to book travel through the Ultimate Rewards portal boosts their value. It does so by 25% to 50%.
9

Recommended Credit Score

Credit Score : 690 - 850 (Fair - Exceptional)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

To qualify for the Ink Business Unlimited® Credit Card, it's ideal to have a credit score ranging from 690 (Fair) to 850 (Exceptional). This ensures eligibility for tailored benefits and rewards that suit your credit profile. Apply today to access exclusive perks and elevate your credit card experience with us.

Compare The Ink Business Unlimited® Credit Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card Ink Business Cash® Card Ink Business Cash® Card Capital One VentureOne Rewards Card Capital One VentureOne Rewards Card
8.9MyCreditCardLab
Score 		8.9MyCreditCardLab
Score

MyCreditCardLab Score 8.9

We'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
10
Intro APR
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
9.3MyCreditCardLab
Score

MyCreditCardLab Score 9.3

We'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
10
Intro APR
9.4
Regular APR
9
Rewards
8.6
Benefits
9
Welcome Bonus
9
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.4
Balance Transfer Fee: 9.2
ANNUAL FEE
$0 $0 $0
INTRO APR
0% for the first 12 months from the date of account opening 0% for 12 months from account opening date 0% on Purchases and Balance Transfers for first 15 months
REGULAR APR
18.49% - 24.49% Variable APR 18.49% - 24.49% Variable 19.99% - 29.99% Variable APR
WELCOME BONUS
$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening 20,000 Miles once you spend $500 on purchases within 3 months from account opening
REWARDS
Earn unlimited 1.5% cash back on every purchase made for your business You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services. 5X miles on hotels and rental cars
BENEFITS
Small business, Travel Purchase protection, Travel and emergency assistance services Traveler
CASH ADVANCE FEE / APR
5% (min $15) / 29.99% 5% (min $15) / 29.99% 5% (min $5) / 29.99%
BALANCE TRANSFER FEE
Either $5 or 5% of the amount of each transfer, whichever is greater. Either $5 or 5% of the amount of each transfer, whichever is greater 3% for the first 15 months, after 4% of the amount of each transfer
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% 3% $0
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Large Welcome Bonus
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
  • Travelers
  • Everyday Spending
  • Hotel Stays
  • Airline Miles
More Details Compare More Details Compare

Chase Ink Comparison

Ink Business Cash® Ink Business Unlimited® Ink Business Preferred®
Rewards Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn unlimited 1.5% cash back on all purchases You get 3X on travel, shipping, internet, cable, and phone services. You also get 3X on advertising purchases made with social media sites and search engines. This applies to the first $150,000 in combined purchases each account anniversary.
Intro APR 12 months on purchases 12 months on purchases N/A
Add. cards Free Free Free
Annual fee $0 $0 $95

Ink Business Unlimited® Credit Card U.S. Trends

The numbers represent search interest relative to the chart's highest point. They are for the given region and time. A value of 100 is the peak popularity for the term. A value of 50 means the term is half as popular. A score of 0 indicates insufficient data for this term.

See the latest trends in U.S. Ink Business Unlimited® Credit credit card usage. They are from the past 12 months and based on Google Trends data. Learn about consumer preferences, popular card features, and new industry trends. This will help you stay ahead in the changing credit card market.

Ink Business Unlimited® Credit Card U.S. Trends by City

Chase Visa Login

Follow these easy steps:

Step 1. Go to the Login Chase Visa page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Chase Visa Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the Ink Business Unlimited® Credit credit card below and get the answers you're looking for.

Which Chase Ink card is the best choice?

It depends on how you spend money with your business. And, whether you’re willing to pay an annual fee. The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card offer cash back. They have no annual fee and different rewards.

The Ink Business Preferred® Credit Card is more of a travel card. It earns points, has an annual fee of $95 and includes more benefits.

What are Chase Ink Business Unlimited Rewards?

Business customers who have a Chase Ink Business Unlimited card earn a flat 1.5% cash back on purchases.

What is the credit limit of the Chase Ink Business Unlimited?

The Chase Ink Business Unlimited offers a $3,000 minimum credit line. They give it to approved applicants. But, your credit limit may be higher if you qualify. For more options, see our list of the best high-limit business credit cards.

How do I contact Chase customer service?

Chase representatives are available through the Chase mobile app or by calling 1-800-935-9935.

Can I transfer Chase Ink Business Unlimited points to other Chase cards?

Yes, you can transfer Ultimate Rewards points. You earned them on your Chase Ink Business Unlimited credit card. You can transfer them to another Ink Business or personal Chase credit card account. You can move points earned from your Ink Business Unlimited card to any other Chase card. To do this, log in at UltimateRewards.com.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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