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Chase Ink Business Unlimited® Credit Card Review

Ashton Stewart

Ink Business Unlimited<sup>®</sup> Credit Card

Over the past couple of years, Chase has launched a few very successful credit cards. Now they’re at it again with the release of the Ink Business Unlimited® Credit Card.

This card is essentially the small business version of the Chase Freedom Unlimited®. It has a generous signup bonus, an easy to understand reward program, flexible redemption options, and no annual fee.

Let’s dig into the Chase Ink Business Unlimited® Credit Card to see what it’s all about.

What You Get

The Chase Ink Business Unlimited® card packs a lot of value from the very beginning. It’s offering a "best offer ever" signup bonus of $900 after spending $6,000 on purchases within the first three months from account opening. This is considerably higher than the personal Chase Freedom Unlimited, but matches the recent increase of the Chase Ink Business Cash card.

The feature that a lot of people are going to love is the simplicity of the reward program. Cardholders earn a flat 1.5% cash back on all purchases made. That eliminates the need to keep track of a bunch of rotating or category bonuses.

Both the signup bonus and rewards you can earn offer a lot of value to cardholders. However, the most value might come from how you redeem the rewards earned. Even though this is technically a cash back card, you can convert your rewards into Ultimate Rewards points if you have another Ultimate Rewards earning card. Cards that earn Chase Ultimate Rewards are the Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred.

You might be wondering why it’s so valuable to convert your cash back into Ultimate Reward points. Chase Ultimate Rewards points can be valued at roughly two cents per point. That means for every dollar you spend with the Chase Ink Business Unlimited® card, you’ll be receiving around three cents worth of reward value.

When it comes time to redeem your Ultimate Reward points, there are several options available. The first is to transfer them to one of 13 different transfer partners at a 1:1 ratio. Depending on how you use your points with these travel partners, this can be the most valuable redemption option. Partners include the following:

Airline Partners

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Air France/KLM Flying Blue
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • Iberia Plus

Hotel Partners

  • World of Hyatt
  • Marriott Rewards
  • IHG Rewards Club
  • The Ritz-Carlton Rewards

You can also choose to book travel through Chase Ultimate Rewards. If you go this route, each point will be worth 1.25 cents.

If you would prefer to redeem your points for something other than travel you can, but it will offer the least value. You can redeem for cash back, gift cards, experiences, or you can shop online using your points. For each of these options one point is worth one cent.

Another attractive feature of the Chase Ink Business Unlimited® card is that you will receive an introductory 0% APR on purchases for the first 12 months. If you have any large upcoming business purchases, you can pay them off over the next 12 billing cycles without accruing any finance charges. After the introductory period, the APR will be a variable 17.49% - 23.49%.

As a cardholder you will also receive an auto rental collision damage waiver. To take advantage of this perk you will need to decline the agencies insurance policy and use the Chase Ink Business Unlimited® card when you rent a car. This will be primary insurance, which means if you have an accident, Chase will pay out on the benefit without you being required to report the accident to your primary insurance company.

You will also receive Purchase Protection which will cover any purchased items against damage or theft for the first 120 days. If those items do become damaged or stolen you could receive compensation, up to $10,000 per claim and $50,000 per account.

Extended Warranty Protection is another perk of the Chase Ink Business Unlimited® card. If an item you purchase with your card has a manufacturer's warranty of three years or less, you will receive an additional year of coverage.

What You Don’t Get

Earning 1.5% back is great for anyone that wants a straightforward rewards program. Unfortunately, it’s not ideal if you are looking to maximize the rewards you can receive on each purchase. From a business perspective, it might be best to use the Chase Ink Business Unlimited® card alongside a couple of other cards to maximize your business spending.

Cards like the Chase Ink Business Preferred card will give you 3x points on purchases like travel, shipping, or advertising with select social media and search engines. Alternatively, if your business purchases a lot of office supplies it might be smart or add the Chase Ink Cash card, which offers 5% back at office supply stores and on cable/internet expenses.

This also won’t be a very good card to carry with you if you’re traveling outside the United States. It has a 3% foreign transaction fee which means each of your purchases would be more expensive when using this card abroad.

The Bottom Line

If you’re looking for an easy to use business credit card, the Chase Ink Business Unlimited® Credit Card is a great option. Not only will it offer a generous signup bonus and easy to earn and redeem rewards, but it comes with no annual fee.

First published , last updated



Ashton Stewart

Ashton Stewart is a Denver based freelance writer specializing in travel, credit cards and personal finance. With nearly 10 years of writing experience his work has appeared in many of the industries top publications. He holds a bachelor of arts degree in economics. He also runs When not working Sean enjoys spending time with his wife, daughter and dog Charlie and can frequently be found on his bike or snowboard.

Learn more about Ashton Stewart

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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