Ink Business Unlimited® Credit Card
- Best for: Business owners, side businesses included, who want one no-fee card for every purchase
- What Sets It Apart: Points that move to a Sapphire or Ink Business Preferred card, for transfers to airlines and hotels
- Welcome Offer: $750 after $6,000 in purchases in the first 3 months; may be withheld if you’ve had this card or another no-fee Chase business card
- Rewards: 1.5% on every purchase, with no cap, as points worth a cent each
- Features: Three free months of Instacart+, with a $20 monthly Instacart credit while a member, through 2027; free employee cards with spending limits; rental car coverage that pays first on business rentals; purchase protection; extended warranty
- Annual Fee: $0
- Intro APR: 0% on purchases for 12 months; none on balance transfers
- APR: 16.99% to 24.99% variable
- Cost: 3% foreign transaction fee
- Eligibility: Sole proprietors and side businesses can apply with a Social Security number, even with $0 in revenue
- Pros: Points worth more through a Sapphire card; rental coverage that pays first; 120-day purchase protection
- Cons: Trails 2% cards in cash; 3% foreign transaction fee; bonus may be withheld from past no-fee Chase business cardholders; subject to Chase’s 5/24 rule
Get the Ink Business Unlimited® Credit Card if you want one card that pays the same 1.5% on all your business spending, with no annual fee. Its points can be worth more toward travel if you or someone in your household also holds a Chase Sapphire Preferred or Sapphire Reserve.
You don’t need a company for this business card, since you can apply as a sole proprietor for a side business. Chase says you can use your Social Security number instead of a business tax ID, even with no revenue yet.
Key Features
- $0 annual fee and 1.5% cash back on every purchase, with no cap
- $750 bonus after $6,000 in purchases in the first 3 months
- No interest on purchases for 12 months, then a variable interest rate of 16.99% to 24.99%
- Free employee cards with spending limits you set
- Points worth a cent each in cash, with no minimum to redeem
Pros
- Points move to a Chase Sapphire Preferred or Sapphire Reserve you or a household member holds, and from there to airline and hotel partners
- With a Sapphire Preferred, points are worth up to 1.5 cents each on select Chase Travel hotels and flights, and up to 2 cents with a Sapphire Reserve
- Rental car coverage on business rentals that pays before your own insurance, up to $60,000 on most cars
- Purchase protection against damage or theft for 120 days (90 in New York), up to $10,000 an item
Cons
- In cash, its 1.5% trails the 2% that American Express’s no-fee Blue Business Cash pays on your first $50,000 a year, until you spend over $100,000 a year, by our math
- 3% fee on foreign transactions, such as purchases abroad
- The bonus may be off-limits if you’ve ever had this card or another no-fee Chase business card
- Approval can depend on Chase’s unofficial 5/24 rule, which counts the personal cards you’ve opened with any bank in the past 24 months
It suits owners who want one no-fee card for every business purchase, especially those whose household has a Sapphire Preferred, which can turn its 1.5% into as much as 2.25% on select Chase Travel bookings. For a business spending $50,000 a year, the Ink Business Cash earns more than this card once more than $6,250 of it, or an eighth, goes to office supply stores and internet, cable, or phone service, by our math.
Learn more about the Ink Business Unlimited® Credit Card or see how it compares to the best small-business credit cards.
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