INTRODUCTION

‍

Chase offers a family of related small business cards with the Ink Business Preferred®, Ink Business Cash®, and Ink Business Unlimited® cards. The Ink Business Cash® and Ink Business Unlimited® cards both have no annual fee and offer similar benefits. The main difference is in the rewards earnings rate, with Ink Business Unlimited® offering flat earning with no bonus categories.

This is a simple but very rewarding card. There are no caps and cashback of 1.5% is earned on all spending and business expenses. 

The Ink Business Unlimited® pairs well alongside other cards. A card that has higher rewards in specified categories is useful for maximizing earnings. And if used alongside another Chase card that allows access to Chase Ultimate Rewards, you can access higher value rewards through airline transfer partners. 

‍

MAIN CARD BENEFITS:

No annual fee. 

Cashback of 1.5% on all purchases, with no caps. 

A very high sign-up bonus of $750 when you spend $6,000 in the first three months.

0% Introduction APR on purchases for 12 months.

Can be combined with other cards to maximize earnings for different spending categories.

With use of another Chase card, rewards can be converted to Chase Ultimate Rewards. 

‍

WHO IS THE CARD FOR:

With no caps on rewards earning, this can be a very lucrative card for high spending businesses. It will appeal to any business owner wanting a simple, predictable cash back card. 

It can also work well as an additional card alongside another card that earns more in certain categories.

‍

PROS:

Simple and high-level 1.5% cashback on all purchases. 

Unlimited cashback earnings will suit business with high expenses or stock purchases. 

Rewards can be collected as Chase Ultimate Rewards points when another card is held. These can be used for travel bookings or transferred to other programs for potentially higher value. 

‍

CONS:

There are no bonus categories for increased cashback earning. 

The sign-up bonus required relatively high spending of $6,000 – with no lower option available. 

There are no additional perks or travel benefits.

Without an eligible Chase card, rewards cannot be converted to Chase Ultimate Rewards points.

‍