(9bbb3e6c1ebe70c5b38aba7b3de53a57) Ink Business Unlimited® Credit Card | CardSnark
Ink Business Unlimited® Credit Card
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Reviews
4.7/5

Ink Business Unlimited® Credit Card

The CardSnark Verdict

The Ink Business Unlimited is the Toyota Corolla of business credit cards. It is not exciting. It doesn't have flashy perks. It won't get you into a lounge. But it works every single time without complaint. It earns a flat 1.5% cash back on every single purchase, with no annual fee. If you run a business where your expenses are weird—like 'Contractor Labor' or 'Lumber' or 'Vintage Pokémon Cards'—and don't fit into normal bonus categories, this is your card.

Annual Fee $0
Credit Req Good/Excellent (670+)
Intro APR 0% Intro APR (12 mos)
Foreign Fee 3%
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👍 The Good Stuff

  • ✅ Massive Bonus: $750 cash back after spending $6,000 in 3 months.
  • ✅ Flat Rate: Earn unlimited 1.5% cash back on every purchase.
  • ✅ 0% Intro APR: 12 months of 0% interest on purchases.
  • ✅ No Annual Fee: Costs $0 to hold forever.

👎 The Bad Stuff

  • ❌ Foreign Fees: 3% fee on international transactions.
  • ❌ No Bonus Categories: You can't "hack" it for higher rewards.
  • ❌ Spending Requirement: $6,000 spend for the bonus is high for some side hustles.

The Deep Dive

For business owners who are too busy to remember if “Office Supplies” earns 2x or 3x this month, the Ink Business Unlimited is the perfect solution.

The Barrier to Entry

The bonus is basically free money: Spend $6,000 on your business in 3 months, get $750 back. That is a 12.5% return on spend, which is insane for a no-fee card.

  • Annual Fee: $0.
  • Sign-up Bonus: $750 cash back (requires $6,000 spend).
  • Employee Cards: Free.

The “Business” Loophole

You do not need to be a Fortune 500 CEO to get this card. Do you sell things on Etsy? Do you freelance? Do you tutor? Apply as a Sole Proprietor using your Social Security Number. Your “Business Name” is just your own name. Chase loves sole proprietors.

Why 1.5% is Better Than You Think

Even though the Citi Double Cash gets 2%, the Ink Unlimited has two advantages:

  1. The Bonus: This card gives you $750 just for signing up. It would take you spending $150,000 on a 2% card to beat that head start.
  2. The “Trifecta” Play: If you also have a Chase Sapphire Preferred or Ink Preferred, you can move the cash back from this card to that card. Suddenly, your 1.5% cash back becomes 1.5x Ultimate Rewards points, which are worth way more when redeemed for Hyatt or United flights.

0% APR: The Inventory Hack

The Ink Unlimited comes with 0% Intro APR for 12 months on purchases. If you need to buy $5,000 of inventory, a new laptop, or a camera for your business, you can put it on this card and pay it off slowly over a year without paying a dime in interest.

Ink Unlimited vs. Ink Cash

Chase has two no-fee business cards. Get the Ink Unlimited if your spending is all over the place (Contractors, Inventory, Rent). Get the Ink Cash if you spend a lot on Office Supply Stores or Internet/Phone bills (where it earns 5%).

Ready to get this card?

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