Once you have the Chase Ink Business Preferred® and Chase Ink Business Cash®, it makes sense to get the Chase Ink Unlimited business credit card. While the benefits mirror the Ink Cash, the point is the earn rate – a flat 1.5% on all eligible purchases.
AVG Point Value:$0.01
Min. Credit Score for Approval:670-739 * Good
APR on Purchases:0 % Intro APR on purchases for 12 months, 18.49%-24.49% thereafter
Balance transfer feesEither $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee:3%
Whereas you cover various bonus categories with the Chase Ink Preferred® (3X bonus points per dollar in combined purchases on travel, which includes airfare, hotels, and car rentals but excludes local transit, internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year) and the Chase Ink Cash® (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 and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year), the Chase Ink Unlimited earns a flat and easy-to-remember 1.5% cash back on all eligible purchases. With no bonus categories to remember, one could potentially use it as their only card, but I’d suggest you pair it with the Ink Preferred and Ink Cash.
If those two business credit cards don’t offer a bonus category that fits your purchase, put the charge on your Ink Unlimited! That sure beats the 1% you would earn on non-bonus category spend on either of those cards.
Then, if you have an Ink Business Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card, these points can be transferred to those cards, where you’ll get a ton more value since you’ll be able to transfer your points out to airline frequent flyer programs and hotel programs.
Essentially, you can convert your cash back into fully transferable Chase Ultimate Rewards points (guide). I love how various Chase credit cards work together!
Earns bonus points for spend in the following bonus categories:
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
0% Intro APR on Purchases
0 % Intro APR on purchases for 12 months, 18.49%-24.49% thereafter
This card does not offer a 0% intro APR benefit for balance transfers.
Primary Car Rental CDW Waiver
When used for business purposes, CDW for rental cars is primary with your Chase Ink Business Unlimited card. As with all CDW coverage provided by a credit card, there are limitations on vehicles covered. Remember to reserve and pay for the entire rental with your card in additional to declining the coverage provided by the rental company.
Extended warranty protection on the Ink Business Unlimited card extends the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Your purchases on the Chase Ink Business Unlimited credit card are covered for 120 days against damage or theft – with a limit of up to $10,000 per claim and $50,000 per account.
Does Not Report Credit Line to Personal Credit Profile
The Chase Ink Business Unlimited won’t report to your personal credit profile, since it’s a small business card, if your account remains in good standing.
It will not appear in the list of cards you have, and it won’t show your credit line or utilization either. Chase will, however, check your personal credit history with a hard inquiry to review your credit worthiness and determine your credit limit.
Need a tow? A jumpstart? Maybe a tire change, lockout service, winching or gas delivery? You’ll have a dedicated phone number you can call for help. Service fees will be charged to your Chase Ink Business Unlimited credit card.
Travel and Emergency Assistance Services
If you have a problem while away from home, you’ll be able to call the Chase benefit administrator who can provide legal and medical referrals or other travel and emergency assistance services. Again, you’ll be responsible for the cost of anything provided and this can be charged to your Chase Ink Business Unlimited credit card.
No Fees for Authorized Users
You can add free employee cards (a.k.a. “authorized user” cards) on your Chase Ink Business Unlimited credit card – for all your employees! You can even set individual spending limits on their cards.
Earn more rewards by combining credit cards
Pros & cons
- With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
- No annual fee
- Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card
- Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
- Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
- No bonus spend categories
If you are a small business owner, I strongly recommend that you carry all three Chase Ink credit cards: the Chase Ink Business Unlimited® Credit Card (this card!), the Chase Ink Business Preferred®, and the Chase Ink Business Cash®.
They all work together as what we refer to as a Chase business credit card “Trifecta.” The Chase Ink Preferred® allows you to transfer points to Chase’s Ultimate Rewards airline and hotel partners like United, Hyatt, and British Airways.
But then it makes sense to also get the Ink Business Cash credit card and Chase Ink Business Unlimited credit card to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.
Here, with the Chase Ink Business Unlimited credit card, it is your “default” card for your business spend. What I mean by that is that if the purchase you are making isn’t in a bonus category on your other cards, you would put the charge on the Ink Unlimited for 1.5X Ultimate Rewards points. This way you are never, ever getting less than 1.5% back on your business purchases.
There is no limit to how many Ultimate Rewards points you can earn on the Chase Ink Business Unlimited credit card, all at the 1.5X multiplier.
However, it is very important to know is that although this card states that you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card.
Yes, you are earning Chase Ultimate Rewards points with the Chase Ink Business Unlimited credit card.
But without one of the above credit cards, your only redemption option is to cash out your points for 1 cent per point, meaning that, on its own, it’s a cash back card and the points have an actual cash value of 1 cent each.
Assuming you do have an Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card in your wallet, however, you’ll be able to move your points from your Ink Business Unlimited card to any of those other 3 cards, where you will be able to transfer to airline and hotel partner programs like United and Hyatt – or redeem for travel via the Chase Ultimate Rewards portal where your points are worth either 1.25 or 1.5 cents each, depending on which card you have.
The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the Sapphire Reserve (with its $550 annual fee) gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.
The bottom line is that the Chase Ink Unlimited is simply a staple in the Chase Ink family of business credit cards. It backs up the Preferred and Cash with that 1.5% “floor” on rewards – and all with no annual fee.
When using our bonus spend calculator on this card, you’ll notice we ask you if you also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card. That’s because, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly accounting for the ability to utilize Chase’s point transfer partners.
Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a Chase Ink business card (or any Chase business card).
Frequently asked questions
Does the Ink Business Unlimited Credit Card have an annual fee?
No, there’s no annual fee with the Ink Unlimited card.
Does the Ink Business Unlimited Credit Card get you into airport lounges?
As a no annual fee card, it lacks benefits like airport lounge access.
Is it hard to get the Ink Business Unlimited Credit Card?
It’s not too hard if you have a business – even just a side business! – and a good credit score in the high 600s or better. Keep in mind that you don’t need a registered business to apply. A side hustle will do as we explain on our Business Credit Cards page.
How do I earn points / cash with the Ink Business Unlimited Credit Card?
You’ll earn 1.5% cash back on all purchases.
The points earned with the Ink Business Unlimited card are effectively just cash back – unless you have a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card. If you do, you can transfer your cash back points to those cards where you can use them to transfer to airline and hotel partners or book in the Chase Ultimate Rewards portal at the rate conferred by that card.
Is there a better credit card than the Ink Business Unlimited Credit Card?
If you want Chase Ultimate Rewards points that can be transferred to a Chase Ink Preferred®, Sapphire Preferred® Card, or Chase Sapphire Reserve® Card (to ultimately transfer to airline and hotel partners of Chase) and want the maximum rewards rate for non-bonus category spend, the Ink Unlimited is it.
If you want PURE cash back with no option to transfer points, then you should consider the Chase Ink® Business Premier credit card which earns 2% cash back on everything and 2.5% cash back on purchases over $5,000. But again, that will be cash back with no way to convert the points to anything else.
As for a better card, that depends on what you are looking for so if this card isn’t hitting the mark for you, check out our Card Explorer where you can filter by just about anything you want (or don’t want!)
Does the Ink Business Unlimited charge foreign transaction fees?
Indeed, you will pay a 3% foreign transaction fee on this no annual fee credit card, so make sure you also carry a credit card with no foreign transaction fees for when you travel abroad!
Does the Ink Business Unlimited have car rental coverage?
It has primary CDW car rental coverage when renting a car for business purposes.
Does the Chase Ink Unlimited offer extended warranty?
Yes, it does. It will extend the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Does the Chase Ink Unlimited offer purchase protection?
Another great feature of the Ink Unlimited, your new purchases on the Ink Unlimited card are covered for 120 days against damage or theft – with limits of up to $10,000 per claim and $50,000 per account. This is great for a credit card without an annual fee!
Does the Chase Ink Unlimited offer trip protections?
It only offers the card rental CDW coverage. It does not offer trip delay or trip cancellation coverage.
What credit score do I need to get a Chase Ink Unlimited?
You’ll need good credit, meaning a 670+ FICO or better to have the best chance of approval. This is similar to all Chase business cards.
What can I do with the points earned for spending on the Chase Ink Unlimited?
You can redeem them for cash back at a penny per point (10,000 points equals $100 cash back).
But if you have a Chase Ink Preferred®, Sapphire Preferred® Card, or Chase Sapphire Reserve® Card, then you can transfer your cash back points to those other Ultimate Rewards family cards where you can use them to transfer to airline and hotel travel partners or reserve travel in the Chase Ultimate Rewards portal at the rate offered by that card (1.25 or 1.5 cents per point).
Does the Chase Ink Unlimited have Cell Phone Protection?
No. Cell phone protection is offered with the Chase Ink Preferred (which has an annual fee).
Does the Chase Ink Unlimited Card offer 0% Intro APRs on purchases or balance transfers?
You’ll get a 0% intro APR offer on new purchases for 12 months (please see the rates at the top of this page). It does not have a balance transfer offer.
Are there fees for employee cards with the Chase Ink Unlimited?
None, and you can also set individual spending limits on your employee cards.