6 reasons to get the Ink Business Unlimited Credit Card

A few years back, Chase rounded out its business card line by introducing the no-annual-fee Ink Business Unlimited® Credit Card (see rates and fees), the perfect complement to the no-annual-fee Ink Business Cash® Credit Card (see rates and fees) and the higher-end Ink Business Preferred® Credit Card (see rates and fees).

Even if you already have one or both of the other Ink credit cards — or if you have other business credit cards with bonus categories — here are six reasons why you might want to take a look at the Ink Business Unlimited.

There are a lot of good reasons to get a business card, one of the biggest being the hefty welcome bonuses that come with business credit cards. And because they’re completely separate from your personal finances, you can double dip on welcome bonuses.

With the Ink Business Unlimited, you earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.

However, along with other cash-back cards in the Chase portfolio — including the Chase Freedom Unlimited® (see rates and fees) and Ink Business Cash — you have the opportunity to convert the cash back into Ultimate Rewards points by pairing them with a higher-end card in the Chase family, such as the Chase Sapphire Preferred® Card (see rates and fees) or Chase Sapphire Reserve® (see rates and fees).

Doing this will get you the best value out of the welcome bonus and the rewards you’ll earn on everyday spending.

You can potentially achieve an even greater return when you transfer your points (at a 1:1 ratio) to partners like United Airlines and Hyatt. While this isn’t the most lucrative welcome bonus for a business card, it’s solid, especially considering the next reason to add this card to your wallet.

Related: Chase Ink Business Preferred vs Ink Business Premier: Credit card showdown

The already attractive welcome bonus looks even better when you consider that the Ink Business Unlimited charges no annual fee.

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You may be reluctant to add yet another card that charges an annual fee to your wallet, especially if you’re already carrying a bunch of them. The Ink Business Unlimited solves that problem.

Related: The best no-annual-fee business credit cards

This card also answers the question: How do I get more value out of my nonbonus purchases? The Ink Business Unlimited offers a flat 1.5% cash back on all purchases. You might be tempted to compare that return to another card that offers a flat-rate reward on everyday spending — don’t.

That’s because, as discussed previously, you can transfer your Ink Business Unlimited rewards to a Chase credit card that earns Ultimate Rewards points, so the value is potentially greater than 1.5% cash back.

TPG’s June 2025 valuations value Ultimate Rewards points at 2.05 cents each, meaning you could earn a return of 3.1% for every dollar spent. To maximize your rewards, use this card for nonbonus spending, such as buying hardware store items to fix up your office or filing your taxes.

Related: The pros and cons of cash-back credit cards

You really shouldn’t be focused on earning points and miles if you can’t pay off your credit card on time and in full every month (it’s one of TPG’s 10 commandments). But things happen. Maybe you’re looking to expand and need to make capital investments that will take months to affect your revenue stream or are stocking up on inventory ahead of the holiday shopping season.

The Ink Business Unlimited offers a nice cushion that can be useful for new business owners or if you need to finance a large purchase.

You’ll receive an introductory 0% annual percentage rate for 12 months from account opening on purchases. After that, you’ll pay a 17.49%- 23.49% variable APR. So buy those laptops now, but make sure to pay them off by this time next year.

Related: Do business credit cards affect personal credit?

The Ink Business Unlimited includes a number of benefits you might find on other credit cards, including purchase protection and extended warranties. But it also offers primary rental car coverage — a benefit that’s relatively rare.

Many credit cards offer what’s called secondary coverage, which only applies after taking into consideration what your own personal car insurance covers.

Primary coverage removes your personal coverage from the equation and protects you from deductibles or losses above a certain threshold.

The Ink Business Unlimited allows you to decline the rental car company’s collision insurance and be covered by the card up to the cash value of the vehicle in the case of theft or collision damage, as long as you’re using the car for business purposes.

Related: 10 considerations for your small-business credit card strategy

Employee cards at no additional cost

If you run a business that often requires employees to run errands or expense things, make life easier by getting them their own card. That way, you won’t have to chase down the card when you need it and won’t have to deal with expense reports.

While some premium cards require an additional fee when you add an authorized user, the Ink Business Unlimited does not.

However, you should be aware that you are still responsible for paying all charges accrued on the account, whether you made them personally or not. (If an unauthorized charge was made on any card, Chase has you covered. All you have to do is call them immediately and explain the issue.)

• Use the Ink Business Unlimited for nonbonus spending. It pays a fixed rate on all purchases.
• Use the Ink Business Cash for office-related expenses. You’ll earn 5% back on the first $25,000 you spend in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
• Use the Ink Business Preferred for travel and advertising purchases. It earns 3 points per dollar on the first $150,000 you spend in combined purchases on travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines, each account anniversary year. (And remember, Chase has a pretty liberal definition of what qualifies as a travel-related purchase.)

Then, there are plenty of outstanding ways to use these rewards.

Note that the fourth Ink card, the Ink Business Premier® Credit Card (see rates and fees), provides an excellent cash-back return (2.5% on every purchase of $5,000 or more, 2% unlimited cash-back on all other purchases), but these rewards can only be redeemed as cash back and cannot be transferred to another card to be redeemed for maximum value.

With a solid introductory offer, a simple earning structure and no annual fee, the card can offer a promising return for businesses big and small, especially when combined with other Ink Business offerings. To learn more, read our full review of the Ink Business Unlimited.

Apply here: Ink Business Unlimited Credit Card

Related: Your guide to the Chase Ink Business credit cards