Chase Ink Business Unlimited® Review 2022

Chase Ink Business Unlimited® is a card that offers cash back from everyday purchases plus 2X points on travel, dining and entertainment.

Chase Ink Business Unlimited® is a credit card that offers a $300 annual travel credit, no foreign transaction fees and 50,000 bonus points. The card also has no annual fee and no minimum spend requirement. Read more in detail here: chase ink business unlimited credit limit.

The Chase Ink Business Unlimited® card is a great cash back credit card that comes with There is There is There is no annual cost… and gives you unlimited fixed-rate cash back on all transactions. Other benefits of this small company credit card include Purchase Insurance, travel help, and Protection under the Extended Warranty. It also allows you to add staff cards at no extra charge.

Credit Card Ink Business Unlimited®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting 1.5 percent cash back on each and every transaction

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Chase’s Protected Website

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Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• On purchases, there is a 0% introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
• Purchase Insurance: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of three years or less, Protection under the Extended Warranty extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• On purchases, there is a 0% introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
• Purchase Insurance: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of three years or less, Protection under the Extended Warranty extends the time duration of the US manufacturer’s guarantee by an extra year.

Do you wish to compare the characteristics of two cards? We’ve made it simple for you to do so by allowing you to check off up to three cards on this page and adding them to your basket. You’ll be able to compare the information in a side-by-side comparison this way.

How Do We Determine Which Cash Back Business Credit Cards Are Best?

We evaluate continuing incentives first and initial rewards second when assessing cash back business credit cards like the Chase Ink Business Unlimited®. The annual charge, introductory and recurring annual percentage rates (APRs), and card features are also considered.

Who Should Use Chase Ink Business Unlimited®?

• Owners of small businesses who want a rewards card with a set rate should: The Chase Ink Business Limitless® card is ideal for entrepreneurs that want to earn unlimited fixed-rate cash back rewards on all purchases without paying an annual fee.
• Chase enables you to transfer your Chase Ink Business Unlimited® points to another Chase personal or business credit card inside the Ultimate Rewards program for a better redemption value when booking travel if you have another Chase credit card.
• New business owners: This is a great card if you’re starting a new business and you’re on a tight budget, as it gives you 1.5% cash back on any business purchase, an introductory APR of 0% for the first 12 months, and a low APR on a regular basis of 13.24%. It’s no surprise that Chase Ink Business Unlimited® card is our choice for the best credit card for new businesses with no credit history and best overall small business credit card.

Fees for Chase Ink Business Unlimited®

• For the first 12 months after establishing an account, the introductory APR is Purchases are tax-free..
• Ongoing Annual Percentage Rate (APR): 13.24 percent to 19.24 percent variable, dependent on prime rate.
• APR for balance transfers is variable, ranging from 13.24 percent to 19.24 percent, and is dependent on the prime rate.
• APR on cash advances: 24.99 percent, variable dependent on prime rate
• There is no interest charge at all.
• 20-day grace period from the conclusion of each billing cycle to the payment due date
• There is no annual cost.
• Fee for balance transfers: Either 5% of the transfer amount or $5, whichever is larger.
• Fee for cash advances is 5% of the advance amount or $15, whichever is larger.
• Purchases purchased outside of the United States include a 3% foreign transaction fee, which is charged in US dollars.
• Fees for late payments: $40
• Fees for returning payments: $40

Rewards from Chase Ink Business Unlimited®

• On all business-related transactions, you may earn up to 1.5 percent cash back.

After spending $7,500 on purchases in the first three months after creating an account, you’ll get a $750 extra cash back.

Chase Ultimate Rewards® allows you to redeem your points for cash, gift cards, and travel. Each point is worth You can redeem your cash rewards, gift cards, and travel through Chase Ultimate Rewards®. When redeeming points at checkout on Amazon, each point is worth $0.008, which means that 100 points equal $0.80 in redemption value. In addition, you can also earn 1 to 15 bonus points per $1 spent at more than 450 stores with Shop through Chase®. Finally, you can transfer your points to any of Chase’s airline and hotel partners at full 1:1 value with select cards..008 when redeemed at Amazon checkout, equating to You can redeem your cash rewards, gift cards, and travel through Chase Ultimate Rewards®. When redeeming points at checkout on Amazon, each point is worth $0.008, which means that 100 points equal $0.80 in redemption value. In addition, you can also earn 1 to 15 bonus points per $1 spent at more than 450 stores with Shop through Chase®. Finally, you can transfer your points to any of Chase’s airline and hotel partners at full 1:1 value with select cards..80 in redemption value for 100 points. In addition, with Shop via Chase®, you may earn 1 to 15 additional points every $1 spent at over 450 locations. Finally, some Chase credit cards allow you to transfer your points at full 1:1 value to any of Chase’s airline and hotel partners.

You can increase your redemption value by transferring rewards to another Chase card that’s part of the Ultimate Rewards program. For example, if you transfer your Rewards from Chase Ink Business Unlimited® to your Chase Sapphire Preferred® personal card, each point is worth 1.25 cents when redeemed for travel. On the other hand, if you book your travel with the Chase Sapphire Reserve®, you can get a value of 1.5 cents per point.

How It Works: Earn $150 cash back after spending $10,000 on purchases with your Chase Ink Business Unlimited® card. This $150 cash back will be sent to an active Chase Sapphire Preferred® card and converted to $187.50, which will be utilized for travel. If the $150 cash back is moved to a Chase Sapphire Reserve® card, however, it becomes $225 cash back, which you may spend for travel as well.

How to Pay for a Chase Ink Business Unlimited® Account

• You may use the Chase mobile app, which is available on the App Store and Google Play, to make payments.
• To make a credit card payment, call (800) 436-7958.
• Online: Go to chase.com and log in to your account.
• Visiting a Chase bank: You may pay your credit card bills at any Chase branch during regular business hours.
• You may mail a check or a money order to the following address:

Carol Stream, IL 60197-6294 Cardmember Services PO Box 6294

Additional Features of Chase Ink Business Unlimited®

Collision Damage Waiver for Car Rentals

To get Collision Damage Waiver for Car Rentals with the Chase Ink Business Unlimited® card, you’ll need to decline the rental company’s collision insurance and charge the entire rental cost to your card. This coverage is activated when the rental vehicle is used for business purposes. You’ll be reimbursed up to the actual cash value of the vehicle in the event of theft or collision damage, both in the US and abroad.

Purchase Insurance

Chase covers new purchases made with the Chase Ink Business Unlimited® card for up to $10,000 per claim and $50,000 per account for 120 days against damage or theft.

Services for travel and emergency assistance

Chase will give cardholders, spouses, and dependent children aged 22 or under with travel, emergency, medical, and legal help 24 hours a day, seven days a week. This is mostly a concierge service, as is the case with many small company credit cards. The cost of any help is the responsibility of the cardholder.

Protection under the Extended Warranty

When you make a purchase with your Chase Ink Business Unlimited® card, you may extend the manufacturer’s warranty in the United States for an extra year on qualified warranties of three years or less.

Pros & Cons of the Chase Ink Business Unlimited®

Alternatives to Chase Ink Business Unlimited®

Blue Business CashTM from American Express

The Blue Business CashTM from American Express card offers 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back after that, immediately credited to your statement. It also has a 0% introductory APR for the first 12 months. This card is our choice for the best cash back business credit card and one of our picks for the best business credit card for nonprofits.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

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on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

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Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
• There is There is There is no annual cost…
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is There is no annual cost…

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
• There is There is There is no annual cost…
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is There is no annual cost…

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Business Platinum from U.S. Bank

The Business Platinum from U.S. Bank card is best for business owners with significant debt from other business credit cards, as it can help you pay off your balances. This card has a 0% introductory APR for the first 20 billing cycles for both balance transfers and purchases, allowing you to pay down your debt interest-free each month for almost two years. Because of this, it’s our choice for the best 0% APR business card for 2022. The Business Platinum from U.S. Bank card also has one of the lowest ongoing APRs (11.99%).

Business Platinum from U.S. Bank Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Purchases and balance transfers have a longer 0% APR term.

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On the secure website of US Bank

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APR on a regular basis

Variable between 11.99 and 20.99 percent

• Introductory APR of 0%* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
• There is There is There is no annual cost…*
• Employee cards are available at no cost.
• You’re protected against illegal transactions with zero fraud liability*.

Pros

• Offers a lengthy introductory rate of 0% APR.
• Purchases and balance transfers are both eligible for a 0% APR.
• There is There is There is no annual cost…

Cons

• There are no initial or continuing incentives.
• Even during the promotional period, there is a balance transfer cost.
• To be considered, you must have an excellent credit score.

• Protection under the Extended Warranty: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
• Purchase Insurance: U.S. Bank offers Purchase Insurance for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

APR on a regular basis

Variable between 11.99 and 20.99 percent

• Introductory APR of 0%* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
• There is There is There is no annual cost…*
• Employee cards are available at no cost.
• You’re protected against illegal transactions with zero fraud liability*.

Pros

• Offers a lengthy introductory rate of 0% APR.
• Purchases and balance transfers are both eligible for a 0% APR.
• There is There is There is no annual cost…

Cons

• There are no initial or continuing incentives.
• Even during the promotional period, there is a balance transfer cost.
• To be considered, you must have an excellent credit score.

• Protection under the Extended Warranty: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
• Purchase Insurance: U.S. Bank offers Purchase Insurance for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

Chase Ink Business Cash® is a brand of Chase Ink.

The Chase Ink Business Cash® is a brand of Chase Ink. card is a terrific choice for startup businesses that have recurring expenses such as office supplies, internet, cable, and phone. It has an introductory cash back reward of $750 after you spend $7,500 on purchases within the first three months after opening an account. Like the Chase Ink Business Unlimited® card, the Business Cash® card lets you add employee cards at no additional cost. The Chase Ink Business Cash® is a brand of Chase Ink. card is our choice for the best overall business card for startups.

Credit Card Ink Business Cash®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Businesses that are headquartered in an office and wish to earn a lot of money back

Apply Now

Chase’s Protected Website

Compare with

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase Insurance: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year..
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase Insurance: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year..
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Conclusion

The Chase Ink Business Unlimited® card is best for businesses that prefer to earn unlimited fixed-rate rewards on all purchases, with There is There is There is no annual cost…. This is also best paired with your other Chase credit cards within the Ultimate Rewards program to maximize your redemption value when you redeem for travel.

If this card doesn’t meet your requirements, go through our Credit Card Marketplace to see if there are any other cards that would be a better fit.

Chase Ink Business Unlimited® is a credit card that offers unlimited 3% cash back on all purchases. One of the perks of this card is an invitation to receive $150 in cash or $500 in travel when you spend $1,000 within 90 days. Reference: chase ink business unlimited invitation.

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