Advertiser Disclosure

Ink Business Unlimited® Credit Card

Rates and Fees
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Bonus Points
Estimated Value
Recommended Credit
670 - 850
Annual Fee
Current Offer

Earn $900 bonus cash back (or 90,000 points when redeemed for travel) when you spend $6,000 in the first 3 months of opening your account.


This is one of the BEST business cards on the market with no annual fee and a staggering 1.5% back on EVERY purchase (the only card to do this that can earn Chase Ultimate Rewards!). Plus, the $900 cash bonus can actually be turned into 90,000 Chase Ultimate Rewards if you also hold the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card. It's no secret that Chase points are some of the most valuable travel currency on the planet... and 90,000 of them on a single, annual fee-free card? It's wild, y'all 👀

Its simple earning structure also makes it a breeze to use for small businesses and sole proprietors—we're looking at you freelance writers, wannabe photographers, and dog walkers. You aren't restricted to making purchases in the "traditional" business sense. Why use a card that only gets you 1x points on "all other purchases" when you could buy those new dog-walking shoes or fancy camera lens (or whatever else) for 1.5x back? So we'd encourage you to view this card as far more than a cash-back business card. You'll easily double its value by pairing it with and moving your points over to one of those more premium cards mentioned earlier. If you don't have a card that lets you transfer points, 90,000 points plus 9,000 from your minimum spend ($6,000 x 1.5x points per $1) equals $990 that you can redeem for cashback... which is still an unbelievably good deal for no annual fee!

If you're looking to add a business card to your wallet that can be used on everyday purchases for the most simple of side hustles, the Ink Business Unlimited should be your top choice.

  • 5% cash-back per $1 on Lyft rides through March 2025
  • Unlimited 1.5% cash-back per $1 on all purchases

👍 Pros

  • No annual fee
  • Generous sign-up bonus
  • Unlimited 1.5% cash back on all purchases
  • Travel and purchase coverage benefits

👎 Cons

  • Flat rate of 1.5% cash back on purchases, which may not maximize the amount of cash back you earn (other small-business credit cards may offer a higher rate of cashback)
  • 3% foreign transaction fee

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