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Chase Ink Business Unlimited Review: Is It the Best Credit Card for You?
The
Before you decide on the
If you don't mind paying a
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Chase Ink Business Unlimited Rewards
Welcome bonus offer
With the
How to earn rewards
Although the
However, there are other ways to redeem your points — and you'll have more options if you have certain other Chase cards.
How to use rewards
With the
But there's a way to get even more from your points if you also have the
- Transferring points to Chase's airline and hotel partners, which include United Airlines, Southwest, Marriott, Air Canada Aeroplan, and Hyatt
- Redeeming points at a better rate (1.25 cents per point with
Chase Sapphire Preferred® Card orInk Business Preferred® Credit Card , 1.5 cents per point with theChase Sapphire Reserve® ) through the Chase Ultimate Rewards travel portal to book airfare, hotels, and more - Using Chase's Pay Yourself Back feature to redeem points at an improved rate for other eligible expenses
Chase Ink Business Unlimited Benefits and Features
Introductory 0% APR on purchases
The
Primary car rental insurance
Chase offers primary car rental insurance if you rent a car for business purposes using your
When you decline the collision insurance offered by the rental company and charge the entire cost of the rental to your card, you're covered for theft and collision damage up to the actual cash value of most vehicles in the US and abroad. Note that you're not covered for liability, so you'll have to pay for that separately or carry coverage through your own personal auto insurance policy.
Purchase protection
The
Extended warranty
You'll also get extended warranty coverage, which extends the time period of a US manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Travel and emergency assistance
As a cardholder, you'll also have travel and emergency assistance if you need help during your travels. While you will have to cover the cost of any emergency assistance, a benefits administrator can help you navigate the process of getting help during an unexpected event.
Roadside dispatch
You'll also get access to a roadside dispatch service, which can arrange help like a tow, jumpstart, or tire change. As with the emergency assistance services, you'll be responsible for covering the cost of any services.
Zero-liability and fraud protection
The
You can choose the alerts you want to get and how you want to receive them, and you won't be held responsible for unauthorized charges made with your card or account information.
Chase Ink Business Unlimited Annual Fee and Other Costs
You won't ever pay an annual fee with the
Like many no-annual-fee cards, the
And, as with most cards, you'll pay fees for things like:
- Balance transfers: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advances: Either $15 or 5% of the amount of each transaction, whichever is greater
- Late payments: Up to $40
- Returned payments: Up to $40
How the Chase Ink Business Unlimited Compares
Ink Business Unlimited vs other Chase business cards
Annual fee | |||
Rewards rate | 1.5% cash back (1.5x points) on all eligible purchases with no cap | 5% cash back (5x points) at office supply stores and on internet, cable, and phone services*** 2% cash back (2x points) at gas stations and restaurants*** 1% cash back (1x points) on all other purchases | 3x points on shipping purchases, advertising purchases on social media sites and search engines, internet, cable, and phone services, and travel* 1x points on all other purchases |
Welcome bonus offer | |||
Card benefits | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch |
Primary car rental insurance (when renting for business purposes) Trip cancellation/interruption insurance Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch |
Review |
*the
***5% cash back and 2% cash back on the
Ink Business Unlimited vs other small-business cards
Annual fee | |||
Rewards rate | 1.5% cash back (1.5x points) on all eligible purchases with no cap | 2% cash back on the first $50,000 spent on eligible purchases each year, then 1% (cash back is received in the form of a statement credit) | 5% cash back on prepaid hotels and car rentals booked directly in the US Bank Rewards Center 3% cash back at gas and EV charging stations 3% cash back at office supply stores 3% cash back on cell phone service providers 3% cash back at restaurants 1% cash back on all other eligible purchases |
Welcome bonus offer | |||
Card benefits | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch | Extended warranty Purchase protection Secondary car rental insurance Global Assist Hotline Discounts and bonuses through Amex Offers** | $100 annual software credit World Elite Mastercard benefits |
Review |
Chase Ink Business Unlimited Frequently Asked Questions (FAQ)
Who is eligible for the Chase Ink Unlimited?
To be eligible to apply for the
You won't be approved for Chase cards, including the
Can I open the Chase Ink Business Unlimited if I already have an Ink card?
Yes, you're eligible to open an
What credit score do I need to be approved for the Chase Ink Business Unlimited?
Most people who are approved for the
Can I transfer points from the Ink Business Unlimited to airline and hotel partners?
If you only have the
However, if you also have the
Is the Chase Ink Business Unlimited a good card?
Yes, the
Methodology: How We Reviewed the Chase Ink Business Unlimited
In our review, we compared the
- Ease of use — Is earning and redeeming rewards straightforward? Are there multiple options for using points?
- Rewards earning potential — Do the card's earning rates add value for business owners, and are any categories capped?
- Benefits — How do the card's benefits, especially related to small businesses, rate versus similar cards?
Find out more about how we rate credit cards at Insider.