The Ink Business Unlimited stands out among Chase’s business credit cards with its outstanding welcome bonus and flat-rate rewards that allow for flexibility when redeeming them. When combined with an Ultimate Rewards card, its points become even more valuable by being transferred directly to airlines and hotels for travel purposes.
WalletHub’s top pick for small-business credit cards is the Ink Business Unlimited for its high potential for first-year value and simplicity, without an annual fee and offering 1.5% cash back on all spending.
1. No annual fee
The Ink Business Unlimited card from Chase is an excellent no-fee option for small-business owners looking to maximize the return on their spending. Offering competitive flat-rate rewards structures and being compatible with other Chase cards that earn Ultimate Rewards points to maximize redemption options, this card also comes equipped with some useful perks, including primary auto rental coverage which can save a substantial sum if renting cars regularly for business use.
This card earns 1.5% cash back on all purchases without categories to track or limits to worry about, making it a refreshing alternative to cards with bonus categories and limits that offer bonus cash back for certain spending categories. However, other business cards have additional perks, including earning rates of up to 5% on airfare booked through Chase Travel Portal or up to 2% for dining and gas station purchases (up to $25,000 annually).
Still, the Ink Business Unlimited card is an ideal solution for those who do not wish to worry about tracking rewards categories or managing multiple credit cards with annual fees. This card can especially benefit freelancers and sole proprietors who require coverage of expenses that do not fall into bonus categories with other cards.
2. 1. 1.5% cash back
The Ink Business Unlimited card stands out among small business credit cards with its generous rewards rate and sign-up bonus, providing small business owners who prioritize simplicity with their credit requirements an ideal solution. Other cards may provide higher earn rates in certain business categories but these earnings typically have monthly or quarterly caps while this card offers 1.5% cash back every quarter!
The Ink Business Unlimited card also comes with many unique perks not commonly found on business cards without incurring an annual fee, such as theft and collision damage coverage for car rentals as well as travel and purchase protections.
Increase the value of rewards you earn with this card by moving them onto one of Chase Ultimate Rewards credit cards (such as Chase Sapphire Preferred(r) or Reserve(r). Once there, redeem them through their portal for luxury travel trips – earning 10x or more value than cash back would have provided by Ink Business Unlimited.
The Ink Business Unlimited card currently boasts an appealing sign-up bonus offer: up to $900 in cash back when spending $6,000 within three months after opening an account. While that might sound like a high spending threshold for small businesses to meet, most should easily reach it and reap its benefits.
3. 1. 1.5% cash back on all purchases
Ink Business Unlimited stands out from competing cards by offering an uncapped 1.5% flat rewards rate across all purchases, making it suitable for businesses that do not focus heavily on specific categories like office supplies or internet, cable and phone services. Plus its welcome offer of $900 bonus cash back when spending $6,000 within three months can be an attractive perk–particularly considering there is no annual fee attached!
The card offers an attractive array of business perks, such as 24/7 pay-per-use roadside assistance and primary rental car insurance (in case you decline rental company’s coverage) for car rentals, along with complimentary employee cards. While these features have become standard with no-annual-fee business cards, their inclusion makes the Ink Business Unlimited stand out among competitors that don’t charge annual fees.
If you are already a Chase Ultimate Rewards points member, you can move the Ink Business Unlimited card’s earned rewards into another premium card in your portfolio to unlock even greater value from them. Plus if you frequently travel for business purposes this card could even allow you to access valuable Chase Ultimate Rewards redemption opportunities like airfare, hotels and activities through their travel portal!
4. 1. 1.5% cash back on office supplies
The Ink Business Unlimited card boasts a competitive welcome bonus and cash back rate of 1.5% that’s hard to beat for no-fee business credit cards. However, if your spending falls heavily within certain categories or sectors, other cards offering higher earning rates in those areas may provide better solutions for your spending habits.
If you use Lyft frequently, for instance, then perhaps the Ink Business Unlimited card might not be the optimal option as it only earns 1X points per dollar spent; while Chase Sapphire Preferred and Reserve cards provide 5% cash back until March 31st 2025.
Ink Business Unlimited provides additional rewards on shipping purchases, advertising purchases with social media sites and search engines, internet cable phone services (up to $150,000 spent each account anniversary year then 1X), shipping purchases and advertising costs (on purchases of at least three units or greater per purchase) and telecom expenses. This program makes it easy to earn valuable rewards on everyday expenses for your business.
Redeem your earned rewards through Chase Ultimate Rewards to claim statement credits, merchandise purchases, gift cards or travel. Ink Business Unlimited also allows you to add employee cards without incurring additional costs.
5. 1. 1.5% cash back on gas
The Ink Business Unlimited stands out from competing rewards cards by offering a consistent base rate of 1.5% cash back across all purchases, making it an ideal option for small and diverse spending patterns. Plus, its useful features such as fraud protection and purchase alerts make the card appealing; employee cards may also be added without additional charge, with individual spending limits set per employee for easy spending management. You can redeem rewards through Chase Ultimate Rewards in terms of cash back, gift cards or travel.
The card offers an exceptional welcome bonus: $900 when spending $6,000 within three months of opening it! This generous offer makes the Ink Business Unlimited stand out among flat-rate business cards, making this card highly desirable when compared with similar options.
This card is ideal for small business owners seeking a no-fee card with an attractive flat rewards rate and robust sign-up bonus, or those seeking something without limited time bonus categories or annual fees.
6. 1. 1.5% cash back on dining
No matter the size or scope of your business, from summer lemonade stands to Fortune 500 firms, Ink Business Unlimited can help you earn rewards on purchases. Without an annual fee and offering generous sign-up bonuses and 0% APR periods. Although not offering specific categories like office supplies or gas as rewards, 1.5% cash back rewards per purchase make this card worthwhile for business transactions of all kinds.
Chase Ultimate Rewards family of cards includes this personal travel card, so that rewards can be pooled and redeemed for travel through their portal. Furthermore, having one of their premium personal travel cards such as Chase Sapphire Preferred or Reserve will boost point values when redeeming for travel through them.
This card comes equipped with numerous other quality perks, including fraud protection, purchase protection and personalized account alerts – making it simple to add multiple employees with individual spending limits set. Furthermore, Zero Liability means no liability will be held against you should there be unauthorized charges or fraud committed using this card. Ultimately, Ink Business Unlimited Card makes an excellent choice for small business owners prioritizing simplicity and ease-of-use over complex features when selecting their card provider.
7. 1. 1.5% cash back on travel
Ink Business Unlimited provides an attractive welcome bonus and unlimited 1.5% cash back (or 1.5x Ultimate Rewards points) on all business purchases, plus it comes equipped with several travel and purchase protections not often found with comparable cards.
As no annual fee credit cards offer a substantial rewards rate, this offers considerable time and hassle savings compared to tracking quarterly categories or earning more than 1X on some spending types. If your spending heavily on office supplies or dining, and desire higher rewards rates than this offers may make other business cards with tiered earning systems or rotating category bonuses more suitable.
Ink Business Unlimited may not be your go-to card for travel rewards on its own, but when used alongside one of Chase’s premium Ultimate Rewards cards – especially Sapphire or Reserve cards – it can become an extremely powerful travel rewards tool. By combining Ink Business Unlimited rewards with those from Sapphire or Reserve cards, for example, your rewards could become worth up to 10 times their cash redemption value when used for luxury travel through airlines and hotel transfer partners such as Chase Travel Services.