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Our Verdict

Oftentimes, in life and in business, we look for simple solutions. If you’re looking for an uncomplicated card for your business expenses then the Ink Business Unlimited® Credit Card might be the simple solution you’re looking for.

With no annual fee to worry about and a flat-rate rewards structure of 1.5x on every $1 you spend, there is no need to fixate on maximizing each purchase, and you can focus on running your business instead.

If this sounds like the card you’re looking for, read on to see if the Ink Business Unlimited card is a good fit for you and your business.

Ink Business Unlimited

Pros

  • Earn an uncapped 1.5x points per $1 spent on all purchases
  • $0 annual fee
  • Flexible redemption options
  • Add employee cards at no additional cost

Cons

  • Not an ideal option for those looking for a card with bonus categories

Current Welcome Bonus

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.

Learn More

Ink Business Unlimited Card Details

Chase Ink Unlimited

Photo: mavo/Shutterstock

The Ink Business Unlimited card is the perfect option for any business owner who wants a no-fuss card that earns flexible rewards. With the Ink Business Unlimited card, you never need to worry about whether you’re using the right card for the right purchase since every purchase earns 1.5x points per $1 spent. Nor do you need to worry about making sure you’re getting a certain amount of value out of the card each year for it to be worthwhile, as the card charges no annual fee.

The Ink Business Unlimited card is a simple, affordable, and flexible card option.

Great Card If

  • You want a card with a simple rewards structure
  • You want a card with flexible redemption options
  • You want a card that does not charge an annual fee

Don’t Get If

  • You want a card that offers premium travel benefits and perks
  • You want a card that offers bonus categories for the areas where you spend the most

Ink Business Unlimited Card Protections

You want a card that will keep you covered when you need it, so what protections are offered to cardholders of the Ink Business Unlimited card?

  • Rental Car Insurance — Receive primary coverage when renting a car for business purposes that covers any theft and collision damage to your vehicle.
  • Purchase Protection — Purchases made with your card are covered for 120 days from the purchase date against damage or theft up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection — A manufacturer’s warranty of 3 years or less for any purchased items is extended by an additional year.

So whether you’re renting a car on your business trip or purchasing new items for your business, the Ink Business Unlimited card keeps you covered.

Best Ways To Use Ultimate Rewards Points

Since you’ll soon be using your Ink Business Unlimited card for all of your business expenses, it is only a matter of time until you build up a sizeable Chase Ultimate Rewards balance. Once you do, here are some options you have when it comes to redeeming those points.

Cash-Back

The most straightforward way of redeeming the Ultimate Rewards points earned from your Ink Business Unlimited card is cash-back. When you redeem points this way, you’ll receive a value of 1 cent per Ultimate Reward point, and you can receive your cash-back rewards in the form of a statement credit to offset purchases you’ve already made with your card, or even as a direct deposit into a Chase business checking account.

Chase Travel Portal

Prefer to use your points towards travel? When you book any sort of travel through the Chase Ultimate Rewards travel portal, including flights, hotels, cruises, etc., you can use your points to offset these purchases at a rate of 1 cent per point.

Transfer To Airline & Hotel Partners (via a Premium Ultimate Rewards Card)

Chase Ink Unlimited

Photo: EQRoy/Shutterstock

If you’re interested in travel, then by far the best way to redeem your Ultimate Rewards points is by utilizing Chase transfer partners. The Ink Business Unlimited card does not offer cardholders access to the Chase transfer partners on its own, but those who also hold a card like the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card can pool the Ultimate Rewards points earned from each card and transfer them to the Chase transfer partner of their choosing.

Redeeming Chase Ultimate Rewards points this way allows you to get tremendous value out of your points by redeeming them for business and first class flights or 5-star hotel stays for a mere fraction of what the cash price would normally cost you!

For example, the World of Hyatt program is a Chase transfer partner and top-tier Hyatt hotels like the Park Hyatt New York (where rooms cost upwards of $1,000 per night) can be booked for 30,000 Hyatt points (30,000 Ultimate Rewards points with 1:1 transfer) each night. If you were to instead book this night through the Chase travel portal, a $1,000 night would cost 100,000 Ultimate Rewards points! This is the power of strategically using transfer partners and allows you to get way more value out of your hard-earned points!

Other Ways To Use Points

Chase also gives Ink Business Unlimited cardholders the option to redeem points for gift cards, Apple and Amazon purchases, or experiences through the Chase Experiences portal. But these are usually not the best way to redeem your points as you’ll often come out much better by using transfer partners (if you can) or simply redeeming your points for cash-back.

Alternative Cards To the Ink Business Unlimited Card

Ink Business Preferred Card

If you’re willing to pay an annual fee for a card with many more benefits and lucrative bonus categories, then you might want to consider the Ink Business Preferred card. With it, you’ll earn 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on advertising on social media and search engines, travel, shipping, and internet, cable, and phone services. You’ll also receive perks like cell phone insurance, travel protections, purchase protections, and access to Chase Ultimate Rewards travel transfer partners where you can then redeem your points for maximum value.

The Blue Business® Plus Credit Card from American Express

Another great option for a no-annual-fee card that earns flexible rewards and offers a simple earning structure is the Amex Blue Business Plus card (see rates and fees). The card earns 2x Membership Rewards points on everyday business purchases, up to $50,000 in purchases, then 1x thereafter. Terms Apply. While the 2x earn rate is capped up to $50,000 in purchases, unlike the Ink Business Unlimited card, this might not be a big deal if your business expenses are less than $50,000 each year.


For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.