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Ink Business Unlimited® Credit Card

Rates and Fees

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Annual Fee: $0

Bonus Miles
Cash Back
$750
Recommended Credit
670 - 850
Current Offer

Earn $750 bonus cash back (or 75,000 points when redeemed for travel) after you spend $6,000 on purchases in the first 3 months from account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
$750
Cash Back

Earn $750 bonus cash back (or 75,000 points when redeemed for travel) after you spend $6,000 on purchases in the first 3 months from account opening.

Summary

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 cash bonus can actually be turned into 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 75,000 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, you still can redeem for cash-back... which is 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.

Earning Rewards

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

Additional Benefits

  • Redeem rewards for cash-back, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Add employee cards at no extra cost to earn rewards faster

Foreign Transaction Fee

  • 3% transaction amount in USD

Also consider

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Ink Business Unlimited® Credit Card

CURRENT OFFER

$750

Cash Back

Earn $750 bonus cash back (or 75,000 points when redeemed for travel) after you spend $6,000 on purchases in the first 3 months from account opening.

Our Score
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Our Methodology

My Take

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Pros & Cons

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

Rewards Summary

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

Additional Benefits

  • Redeem rewards for cash-back, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Add employee cards at no extra cost to earn rewards faster

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

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Ink Business Unlimited® Credit Card

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