Chase Ink Business Unlimited overview

Card Rating*: ⭐⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Ditch the annual fee and unlock surprisingly rich rewards with the Ink Business Unlimited Credit Card. Think of it as the Chase Freedom Unlimited’s savvy sibling, tailored for your business. Its deceptively simple structure packs a punch, delivering more value than meets the eye.

Unlock a secret weapon for your business: the Ink Business Unlimited card. While others tout simple cash back, this card funnels your spending into the coveted Chase Ultimate Rewards ecosystem. Think of it as earning points with hidden potential. The real magic? Pair it with a premium Chase card, and suddenly, those points explode in value. You’ll unlock the power to transfer them to a dazzling array of airline and hotel partners, turning everyday expenses into extraordinary travel experiences.

The Ink Business Unlimited is a business credit card. As such, it is tailored to those with small businesses.

Think snagging a business credit card is only for established corporations? Think again. Even freelancers and solo entrepreneurs with a solid credit score (670+) can unlock perks like rewards, cash back, and better financing options. Banks like Chase often consider your freelance gig a legitimate business, making you eligible for a card you might not have thought possible.

Let’s dive into the details.

Ink Business Unlimited pros and cons

Ink Business Unlimited welcome offer

Unlock a $750 cash-back bonus with the Ink Business Unlimited card! Simply spend $6,000 on purchases within your first three months and watch your rewards roll in. It’s that easy to boost your business earnings.

Turn your hard-earned cashback into cold, hard cash at a penny per point, treat yourself to a gift card spree, or jet off on your dream vacation booked through Chase Travel℠. The choice is yours!

THE POINTS GUY

But here’s where the magic happens: Combine the Ink Business Unlimited with a Chase Sapphire Preferred® Card (see rates and fees), and you could unlock a rewards bonanza! Those 75,000 Ultimate Rewards points could be worth a staggering $1,538, according to TPG’s June 2025 estimates, effectively more than doubling your return!

That’s a solid haul on a card that charges no annual fee.

Related: The best welcome offers this month

Ink Business Unlimited benefits

The Ink Business Unlimited card: a solid workhorse, not a luxury stallion. While it won’t shower you with premium perks like its higher-fee siblings, the Ink Business Preferred, or even its twin, the Ink Business Cash, remember you’re not paying a yearly fee. Think of it as trading champagne wishes for a practical, dependable business tool. Just don’t expect it to bail you out if your phone takes a dive or your trip gets derailed. Those protections are reserved for cards with a steeper price tag.

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Here’s a quick rundown of what’s included:

Renting a car for work? Ditch the expensive rental company’s collision insurance. Your Ink Business Unlimited card offers primary coverage for theft or collision damage, up to the car’s actual cash value. That’s peace of mind on the road, from coast to coast and even internationally. Plus, primary coverage means no need to involve your personal auto insurance – saving you time and potential premium hikes.

Empower your team with employee cards – free of charge! Grant approved users charging privileges, mirroring your own, or set individual spending limits for tailored control.

Earning rewards on the Ink Business Unlimited

Tired of juggling bonus categories and rotating rewards? The Ink Business Unlimited card offers a refreshingly simple solution: a flat 1.5% cash back oneverypurchase. It’s beautifully straightforward, but that simplicity comes with a trade-off.

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Think twice before swiping that card for airfare! You might be leaving serious rewards on the table. A card like the Chase Sapphire Reserve® could be earning you a whopping 5 points per dollar (when booked through Chase Travel) – imagine the free flights you’re missing out on! (see rates and fees).

Drowning in office supply receipts and internet bills? The Ink Business Cash card throws you a lifeline, offering a hefty 5% cash back on the first $25,000 you spend annually at office supply storesandon those essential internet, cable, cellphone, and landline services. Think of it as getting paid to keep the lights on and the printers running. Plus, fuel your team (and your car) with 2% back on the first $25,000 spent at gas stations and restaurants. Everything else? Still earns a respectable 1% back. Stop letting those everyday expenses slip through the cracks – start turning them into rewards.

Don’t be blinded by the siren song of unlimited cash back. While tempting, redeeming that cash could mean leaving serious money on the table compared to other business cash-back cards.

Related: How to pick a strategy for your small-business credit cards

Redeeming rewards on the Ink Business Unlimited

Unlocking your Chase rewards is like opening a treasure chest! Choose your loot: cold, hard cash, gift cards to your favorite stores, unforgettable travel experiences, or a bounty of goods and services through Chase’s own marketplace. The choice is yours!

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Turn your points into dollars! Cash in your rewards for a statement credit or a direct deposit into your U.S. bank account. Whether it’s cold, hard cash, gift cards, or wanderlust-inducing travel, each point is worth a solid penny.

Transferring rewards on the Ink Business Unlimited

Unlock a 3%+ Return: Turbocharge your spending by funneling your points into a premium Chase Ultimate Rewards card. Imagine turning every purchase into a mini-investment, yielding over 3% back (based on TPG’s June 2025 estimate of 2.05 cents per point). This isn’t just points; it’s potential.

To transfer funds, the second card must belong to you, the business owner, or a member of your immediate household – think family dinner, not just friendly acquaintance.

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Unlock a treasure chest of travel rewards with the Ink Business Unlimited card! It’s not just a credit card; it’s your gateway to maximizing Chase Ultimate Rewards. Pair it strategically with cards like the Chase Sapphire Reserve, Chase Sapphire Preferred, or Ink Business Preferred, and watch your points explode in value.

Here’s the magic: Combine your Ink Business Unlimited earnings with a card that unlocks the Ultimate Rewards portal, then transform those points into unforgettable experiences. Think luxurious hotel stays and first-class flights, booked through Chase’s travel partners or directly via Chase Travel. With the Sapphire Reserve, your points are worth a stellar 2 cents apiece when redeemed for travel through Chase. Even with the Sapphire Preferred or Ink Business Preferred, you’re still looking at up to 1.75 cents per point.

The bottom line? The Ink Business Unlimited card is your secret weapon for racking up Ultimate Rewards, but its true power lies in how youredeemthem. Read the fine print in your rewards program agreement, then prepare for takeoff!

Danyal Ahmed, TPG’s resident credit card guru, doesn’t justwriteabout points – hewieldsthem. Armed with his Ink Business Unlimited and Sapphire Reserve cards, he recently orchestrated a travel coup for his family. By channeling 75,000 points into Air Canada Aeroplan, he unlocked luxurious business-class flights from London to Istanbul, and then onwards to Zurich. Forget economy; Danyal turned travel dreams into a first-class reality.

Related: The power of the Chase Trifecta: Maximize your earnings with 3 cards

What cards compete with the Ink Business Unlimited?

Hunting for the Ink Business Unlimited card’s rivals? You’re likely after business credit cards that reward every purchase with a flat-rate return. Here’s where the competition heats up:

Related:How to choose the best credit card for your business expenses

Is the Ink Business Unlimited worth it?

Unlocking maximum business rewards is a smart game. The Ink Business Unlimited card is your everyday workhorse, but pair it strategically. Think Chase Sapphire Reserve – suddenly those everyday purchases explode into premium travel. Just a heads up: Chase’s 5/24 rule is the gatekeeper. Know it, or risk being sidelined.

Bottom line

The Ink Business Unlimited can be valuable in maximizing your rewards from business spending.

Want to boost your credit card game and sidestep Chase’s infamous 5/24 rule? Here’s the insider scoop: Chase business cards are your secret weapon. While snagging a Chase Ink Business Unlimiteddoescount towards your 5/24 limit initially, once approved,it vanishes from the calculation. This means you can strategically grab a business cardfirst,thenload up on personal cards from Chase and beyond, all without bumping against that dreaded 5/24 ceiling. It’s like having a cheat code for travel rewards!

Unlock rewards on daily buys! Pair this card with another that earns Chase Ultimate Rewards points and watch your everyday spending transform into a points powerhouse.

Apply here: Ink Business Unlimited Credit Card

For rates and fees of the Blue Business Plus card, click here.

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