If you’re looking for a card with unlimited benefits and top-tier service, the Chase Bank Ink Business Unlimited Bank might be the perfect fit for your needs. It’s part of the portfolio of one of America’s most established banks and comes with an exclusive package of services.
As the name suggests, this card is tailored for business owners, but it also works well for everyday use thanks to its cashback program and generous credit limit. For companies looking to grow and streamline their finances, it’s worth taking a closer look:
About the Ink Business Unlimited
The Ink Unlimited is a business credit card that stands out for two key advantages: unlimited 1.5% cashback on all purchases and no annual fee.
New cardholders can earn a welcome bonus of $750 in cashback after spending $6,000 in the first three months. Some promotions may even increase this bonus to $900, making it especially appealing to new customers.
The introductory APR is 0% on purchases for the first 12 months, then ranges from 17.49% to 23.49%, depending on creditworthiness. Keep in mind that the APR for late payments can reach up to 29.99%, with seasonal adjustments.
It’s also important to note that other fees may vary based on the contract, business location, and company profile.
What Are the Benefits of the Chase Ink Business Unlimited?
Beyond the headline feature of unlimited cashback, the Ink Business Unlimited offers several other compelling benefits. For example, you can issue employee cards at no extra cost and manage their spending through a centralized app with controls and alerts.
The card also includes valuable protections, such as theft coverage, extended warranties for up to one year, and purchase protection for up to 120 days, covering up to $10,000 per claim. These features help your business stay secure while finding the best deals.
Additional perks include rental car insurance for business travel, emergency roadside assistance, and other travel-related services.
When it comes to flexible rewards, you can redeem your cashback as statement credits, gift cards, or through Chase Ultimate Rewards, which allows you to transfer points to other cards like the Chase Sapphire Preferred. Although there’s a 3% foreign transaction fee, it remains a strong contender in the business card space.
How to Apply for the Ink Business Unlimited Chase Bank
Like most credit cards, the Ink Business Unlimited requires an application and review process by the Chase team. Once a company representative expresses interest, an authorized assistant will guide them through the application.
Reports suggest that approvals often come within a few days, though processing times can vary based on the office and the applicant’s credit profile. Chase may also conduct annual reviews to ensure the card continues to meet the business’s needs.
While approval standards are relatively high, businesses with a solid credit history are typically able to qualify without much difficulty—and sometimes within the same week.
Who Is This Card Best For?
The Ink Business Unlimited is ideal for companies with frequent, varied expenses that want to earn rewards on everyday purchases while avoiding annual fees. Its unlimited cashback is a major advantage, especially when paired with the range of services offered—particularly for those who travel for work.
Businesses with high international spending should consider the 3% foreign transaction fee, but for startups and growing companies looking for accessible approval, strong financial backing, and real savings, the Ink Business Unlimited is a smart choice.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
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