Chase Ink Unlimited Review 2022: Is It Right for Your Business?

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Quick Take: The best feature of the Chase Ink Unlimited card is its introductory 0% APR and cash back bonus offer. Cardholders can earn 1.5% cash back rewards on business purchases, and there is no purchase limit on rewards. Rewards can be redeemed in several ways that can help business owners save on expenses. While better cash back cards are available for businesses, many have an annual fee. The Chase Ink Unlimited does not.
  • Fees
  • APR
  • Rewards
  • Travel
How did we calculate this?


  • Attractive $750 cash back bonus for qualifying new cardholders
  • No purchase limits on earning rewards
  • A variety of ways to use rewards


  • Initial credit limit might be low, depending on creditworthiness and other factors
  • Cash back rewards on business purchases are lower than some other business cards

Chase Ink Unlimited Overview

The Chase Ink Unlimited card is a business rewards card that offers decent cash back rewards, a solid APR and reasonable fees. Perhaps the most standout feature of the Chase Business Unlimited is the perks for new cardholders.

It has an attractive 12-month introductory 0% APR and the potential for new cardmembers to earn a $750 cash back bonus for spending $7,500 on purchases in the first three months after account opening. However, business owners looking to transfer a balance from another card at an introductory rate will not have that ability with the Chase Ink Unlimited.

Key Features

GOBankingRates gave the Chase Ink Unlimited card a 4.5 overall score based on the following key features.


Chase Ink Unlimited has no annual fee for the primary card or for authorized employee cards, which isn’t always the case with business credit cards. Some of the fees cardholders do have with this card include:

  • Balance transfers: $5 or 5% of the transfer amount, whichever is greater
  • Cash advances: $15 or 5% of the advance amount, whichever is greater
  • Foreign transactions: 3% of the transaction amount in U.S. dollars


The Ink Unlimited offers an attractive APR for purchases and balance transfers for those with good to excellent credit. However, cash advance balances have a steep 25.74% APR.


Cardholders earn unlimited 1.5% cash back rewards on business purchases. Cardholders can redeem rewards for cash back as a statement credit or direct deposit into most U.S. savings or checking accounts.

Rewards can also be used for gift cards, business travel through Chase Ultimate Rewards®, or for Apple purchases through the Ultimate Rewards Store.


For businesses that require travel, this card provides a few helpful travel perks. Rental cars charged to the card will qualify for Chase’s auto rental collision damage waiver. The card also provides emergency assistance and dispatch services for those who need roadside assistance when traveling for business.

Cardholders can book business travel through Chase Ultimate Rewards, including flights, rental cars and hotels.

How Chase Ink Unlimited Stands Out

The Chase Ink Unlimited card’s 1.5% cash back rewards and APR are neither the best nor the worst as business cards go, but this card’s introductory rate and bonus and its lack of annual fee make it a card worth considering for small business owners. The 12-month introductory 0% APR and $750 cash back bonus can help a small business make substantial purchases with significant savings.

Comparable Chase Ink Unlimited Options

Here are two other business cards to consider that are comparable to the Chase Ink Unlimited.

Chase Ink Unlimited vs. Capital One Spark 1.5% Cash Select

The Capital One Spark Cash Select card is one of Capital One’s rewards card offerings and is very similar to the Chase Ink Unlimited. 

This card has a APR, which is higher than someone might get with the Chase Ink Unlimited. Spark cardholders earn unlimited 1.5% cash back on purchases with no annual fee, just as with the Chase Ink Unlimited.  

Chase Ink Unlimited vs. American Express Blue Business Cash Card

The American Express® Blue Business Cash Card has a APR and no annual fee, which is in line with the Chase Ink Unlimited.

However, American Express cardmembers earn 2% cash back on qualifying business purchases up to $50,000 in purchases per year and 1% on eligible purchases after the first $50,000.

How To Apply

To qualify for the Chase Business Unlimited card, an applicant needs a good to excellent credit score.

Applicants can visit the Chase website to apply. Those interested in the Chase Ink Unlimited card will need to provide personal and business information, including annual business revenue. Chase will review the applicant’s credit report and verify company information before approving an application.

Who the Chase Ink Unlimited Card Is Best For

The Chase Ink Unlimited is ideal for small business owners with good credit who don’t care to deal with a complex cash back rewards system. Owners needing to make a significant business purchase can take advantage of Chase’s attractive introductory 0% APR and cash back bonus. They can also get authorized cards for employees without paying an annual fee.

Final Take

The Chase Ink Unlimited is a solid middle-of-the-road card compared to other business cards. While 1.5% cash back rewards aren’t the best a business owner can get, the decent APR and absence of an annual fee make this card attractive.

Business owners with excellent credit or who charge significant amounts to a card each year should look to other cards with higher cash back rewards and better perks.


Here are answers to commonly asked questions about the Chase Ink Unlimited card.
  • Is Chase Ink Business Unlimited hard to get?
    • To qualify for the Chase Ink Business Unlimited card, an applicant needs a good to excellent credit score. The minimum for a good credit score is 670.
  • What is the Chase Ink Business Unlimited credit limit?
    • There is no set credit limit for the Chase Ink Business Unlimited card. It will vary by the cardholder and is based on several factors, such as a cardmember's credit score, annual business revenue and age of business.
    • The minimum credit limit issued is $3,000. Some companies may receive a credit limit of $25,000 or more.
  • Does Chase Ink Business Unlimited report to personal credit?
    • Only negative Ink Business Unlimited card activity is reported to consumer credit bureaus. Negative activity includes late payments or defaults.
  • Is Chase Ink Business Unlimited metal?
    • The Ink Business Unlimited is not a metal card.
    • The only two metal cards issued by Chase are the Chase Sapphire Reserve card and the Chase Sapphire Preferred. Chase also issues a few co-branded metal cards, such as the Chase Amazon Prime Rewards Visa Signature card.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of June 14, 2022.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Chase.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

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About the Author

Andrea Norris has been in the web publishing business for the past 15 years both as a content contributor and a copy editor specializing in personal finance, frugal living, home and auto topics. She writes both short and long-form content and is well-practiced in SEO keyword research and writing.

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