Ink Business Unlimited℠ Credit Card Review

Our Detailed Review of This Card

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The Ink Business Unlimited℠ Credit Card provides the convenience of a straightforward cash rewards business card with a generous intro bonus and $0 annual fee. There's also a handy 0% intro APR on balance transfers and purchases.

The Ink Business Unlimited℠ Credit Card is perfect for business owners who don't want to worry about cash back spending categories — instead, you'll earn an unlimited 1.5% back on all your purchases. Plus, there is a hefty $500 cash back bonus that you'll earn after spending $3,000 on purchases in the first 3 months you have the card. There are a ton of different redemption options, making this card a very flexible one. You can redeem your rewards for a statement credit, get it directly deposited into your U.S. checking/savings account, use it to pay for Amazon.com orders (at a 1:1 transfer value), book travel via Chase Unlimited Rewards, or buy gift cards.

For those in the market for a card with a 0% intro APR, the Ink Business Unlimited℠ Credit Card won't disappoint. That's because the card features a 12-month 0% intro APR on both balance transfers and purchases. There is a 5% balance transfer fee, which is higher than most cards charge, but depending upon the amount you plan to transfer and your current APR, it could be worth it. Plus, paying no interest on purchases large and small for a year is a nice feature for any business.

The Ink Business Unlimited℠ Credit Card also offers a handful of benefits, including purchase protection, extended warranty protection, auto rental collision protection as well as travel and emergency services. You can also add employee cards at no cost to help rack up more rewards.

Overall, the Ink Business Unlimited℠ Credit Card is a strong choice for business owners who want a no annual fee, cash back rewards card in their pocket that's easy to understand and offers impressive redemption options.

Redeem Rewards

  • Unlimited cash back rewards.
  • 1 point equals 1% or $0.01 cash back. For example, 5,000 points can be redeemed for a $50 check.

Fees and APR
  • Annual Fee: $0.
  • Purchase APR: 0% Intro APR on Purchases for 12 months Then 15.24% - 21.24% variable.
  • Balance Transfer APR: 0% Intro APR on Balance Transfers for 12 months, then 15.24% - 21.24% Variable.
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.


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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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