1. Credit Cards
2. Insights
3. Ink Business Unlimited® Credit Card: Simple cash back so you can focus on your business

Image: image_2d3454

14 reviews from Intuit Credit Karma members

3.1

Rating: 3.1 out of 5.

Great for simple cash back

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Ink Business Unlimited® Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $10,390, with $5,000 being the most common.

Here’s the average credit score of members who matched their Ink Business Unlimited® Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 696, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

27.3%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

47 years

Average age of members who matched this card or similar cards.

$101,126

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Great sign-up bonus

Image: yes

Consistent, simple cash back rate

Image: yes

No annual fee

Image: Con

Not the highest cash back rate

Image: Con

Charges a foreign transaction fee

5 things to know about the Chase Ink Business Unlimited® Credit Card

1. Cash back can help you offset business expenses

If you’re on a tight budget, the Chase Ink Business Unlimited® Credit Card could help you offset some of your business expenses by redeeming your cash back as a statement credit.

• Sign-up bonus — Earn a sign-up bonus of $750 cash back after spending $6,000 on purchases during the first 3 months after account opening. You can redeem your cash back as a statement credit, or have it directly deposited to most U.S. checking and savings accounts.
• Simple cash back — You’ll generally earn an unlimited 1.5% cash back on every purchase you make for your business.
• Employee cards — If you’ve got a staff, you can offer employee cards for no additional fee. This way you’ll earn the same 1.5% cash back on all of their work-related purchases. (But make sure you only give employee cards to those you trust because you’ll be on the hook to repay every penny they spend.)

The Ink Business Unlimited® Credit Card comes without an annual fee, so you don’t have to worry about that driving up your costs.

2. Simple cash back can help you focus on running your business

Some business cash back cards have confusing reward structures that take a lot of brainpower to master.

But not the Chase Ink Business Unlimited® Credit Card.

With this card, earning cash back is simple: All you have to do is swipe your card and you’ll earn the same flat rate on every purchase you make for your business. The one exception is Lyft rides, which you can earn 5% cash back on through March 2025.

That should leave you with more time to focus on running your company.

3. It’s not the highest cash back rate

The Chase Ink Business Unlimited® Credit Card makes it simple to earn cash back. But if you’re willing to put a little more effort into maximizing your rewards, you might be able to earn more cash back with another business credit card that earns more rewards in certain bonus categories, like the Ink Business Preferred® Credit Card or Ink Business Cash® Credit Card.

Ask yourself what’s more important to you: crunching the numbers so you can earn more rewards, or spending that time focusing on growing your business?

4. Intro APR offer could help you grow your business

The Chase Ink Business Unlimited® Credit Card could help you grow your small business.

If your company is short on cash, the Chase Ink Business Unlimited® Credit Card could provide the short-term financing you need to help you get up and running or finance a new project. That’s because the card offers an introductory 0% APR on purchases for the first 12 months your account is open.

After the promotional rate expires, the purchase APR jumps to a regular variable rate of 17.74% - 23.74%. So make sure you have a plan to pay back what you borrow before the intro offer ends or else you could end up paying a lot in interest.

5. Not great for business trips

You might want to think twice before bringing the Chase Ink Business Unlimited® Credit Card on your next business trip.

The card charges a foreign transaction fee of 3% — so if you’re traveling overseas, you’ll pay even more on business purchases you make with this card.

And unlike some of the other Chase Ultimate Rewards® credit cards, this card doesn’t allow you to transfer your points to airline or hotel transfer partners to redeem through their programs. While you can redeem your points for travel directly through the Chase portal, using transfer partners will require you to move your points to a different Chase Ultimate Rewards card that includes the benefit.

If you travel for work on a regular basis, you might be better off with the Ink Business Preferred® Credit Card, which charges no foreign transaction fees and allows you to redeem your points through transfer partners.

Who this card is good for

The Chase Ink Business Unlimited® Credit Card may be helpful for business owners who want to offset expenses with simple cash back that helps them stay focused on running their company.

But if you’re trying to maximize your points or you travel a lot for work and you’re looking for perks, other business cards out there could be a better fit — like our picks for the best credit cards for business travel.

Not sure this card is right for you? Consider these alternative business cards.

If you’re having second thoughts about the Chase Ink Business Unlimited® Credit Card, consider one of these business credit cards instead.

• Ink Business Preferred® Credit Card: This card is good for business trips and maximizing your points.
• Ink Business Cash® Credit Card: Consider this card if you’re setting up your home office.