Review: Chase Ink Business Unlimited® Credit Card

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Our take

Pros and cons

Pros:

• No annual fee
• Pairs great with Chase cards that earn travel points
• No maximum on earning rewards

Cons: 

• Foreign transaction fee
• Earns cash back: You would also need one of the following cards in order to transfer points for travel: Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Ink Business Preferred® Card 
• No bonus categories: Other cards can earn higher, if you’re willing to track spending categories

Ink Business Unlimited® Credit Card Review

The Ink Business Unlimited® Credit Card from Chase is a no-annual-fee business credit card that earns cash-back rewards at a flat 1.5%. If you are a freelancer, sole proprietor, or entrepreneur who doesn’t want to stress about tracking bonus categories, this card could be a great fit. 

Ink Business Unlimited® Credit Card Quick Facts

Ink Business Unlimited® Credit Card Benefits

• Employee business cards at no additional cost: You can set employee spending limits.
• Auto rental collision damage waiver: Useful for when renting a car on business trips
• Purchase and extended warranty protection: Shop with peace of mind

Earning rewards with the Ink Business Unlimited® Credit Card

This card doesn’t have bonus categories, so if you spend more on specific categories like shipping, internet, or ads, and want to earn at a higher rate, you may want to take a look at other business credit cards.

Cash-back rewards come in the form of Chase Ultimate Rewards® points.

Redeeming points with Ink Business Unlimited® Credit Card

As a cash-back credit card, the easiest way to redeem the Ultimate Rewards® points you earn is for statement credit. But, what is easiest isn’t always the best. 

If you want to maximize the value of the points you earn with this card, you should consider combining your Ultimate Rewards® points with the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or the Ink Business Preferred® Card. This will enable you to transfer your Ultimate Rewards points to airline and hotel partners and redeem them for free flights or hotel stays.

Our guide to combining Chase points between multiple cards walks you through the process to do this step by step and explains the cards you’d need in your wallet, to do 

Alternatives to Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

The Blue Business® Plus Credit Card from American Express

Complementary cards to Ink Business Unlimited® Credit Card

Because you can transfer points between other Chase cards that earn Ultimate Rewards points, the following are great cards that complement the Ink Business Unlimited Credit Card:

^{Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.}