Edited by: Stella Shon
& Kellie Jez
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Good to Excellent (670-850)
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
(at Chase's secure site)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.24% - 24.24% thereafter
The Ink Business Unlimited card is perfect for business owners who want a simple earning structure and are not interested in paying a credit card annual fee. With 1.5% cash-back on all purchases — regardless of the category — with no caps and no annual fee, business owners looking for simplicity will love the card.
Most people think that small business credit cards are limited to business owners with a physical business location, or even an LLC, but that is not the case! If your business operates online-only, or if you provide freelance services, resell products, or anything in between, you likely are eligible for the Ink Business Unlimited card.
Do you have multiple employees that need to make business purchases? The Ink Business Unlimited card allows you to add them as cardholders for no additional fee. Plus, you’ll still earn 1.5% back on all of their purchases!
The Ink Business Unlimited card keeps your purchases covered with the following protections:
The cash-back earned with your Ink Business Unlimited card comes in the form of Chase Ultimate Rewards points, and while the card is great at earning these points, there are many other great ways to earn lots of Chase Ultimate Rewards points!
While you could redeem all of the points you earn for cash-back, our favorite way to redeem Chase Ultimate Rewards points is to transfer them to the Chase transfer partners. However, doing this requires you to pair your Ink Business Unlimited card with a card that has transfer abilities, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card.
But those who combine these cards will find that it unlocks a whole new world of great ways to redeem your Chase Ultimate Rewards points.
The Amex Blue Business Cash card beats out the Ink Business Unlimited card in terms of cash-back rate by offering 2% cash-back compared to 1.5% cash-back.
However, the Amex Blue Business Cash card 2% rate is limited to $50,000 in purchases each year, whereas the Ink Business Unlimited card is uncapped.
The Capital One Spark Cash Plus card also offers 2% cash-back on all purchases with no limits on the amount of cash-back you can earn. The card does charge a $95 annual fee, though, and you’re limited to cash-back redemptions, unlike cards that earn flexible rewards.
We’ve also compared the Ink Business Unlimited card to other popular credit cards:
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.