Ink Business Unlimited Credit Card — Full Review [2023]

Great Card If

• You want a simple rewards structure
• You want to earn flexible points
• You want a no-annual-fee card

Don’t Get If

• You want a card that offers travel benefits and perks
• You do a lot of international business and need a card without foreign transaction fees
• You want a card that offers more bonus categories

Ink Business Unlimited Card — Is It Worth It?

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.

Ink Business Unlimited Card Top Benefits

No-Additional-Cost Employee Cards

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!

Travel and Purchase Coverage

The Ink Business Unlimited card keeps your purchases covered with the following protections:

• Rental Car Insurance: Primary coverage (for business and personal use worldwide and business use within your country of residence) that keeps you covered in the case of theft or damage to your rental car
• Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
• Extended Warranty Coverage: Extend the warranty of your purchased items by 1 additional year if the standard warranty is 3 years or less

Best Ways To Earn and Redeem Your Chase Ultimate Rewards Points

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.

Alternative Cards to the Ink Business Unlimited Card

American Express Blue Business Cash™ Card

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.

Capital One Spark Cash Plus Card

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:

• Ink Business Unlimited card vs. Ink Business Cash® Credit Card
• Ink Business Unlimited card vs. Ink Business Preferred® Credit Card
• Ink Business Unlimited card vs. Ink Business Premier℠ Credit Card

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.