Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited Credit Card Review

Key Takeaways

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Signup bonus. Offers a signup bonus of $750 if you spend $7500.
• Competitive APRs. Chase Ink Business Unlimited Credit Card has a variable purchase APR that ranges from 15.49% up to 21.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Annual fee waived the first year. Chase Ink Business Unlimited Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
• 5% Balance transfer fee. Chase Ink Business Unlimited Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 660.

Pros & Cons of Chase Ink business Unlimited card

Chase Ink business Unlimited card FAQ

Who is Chase Ink business Unlimited card designed for?

This is a credit card issued by Chase Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 660.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 15.49% up to 21.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 21.49%.

It also has a variable cash advance APR of 27.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What fees does it charge?

The following fees apply to this business credit card:

• There is no annual fee.
• A late payment penalty of up to $40.
• A returned payment fee of up to $40.

Does it offer a cash back rewards program?

Yes, Chase Ink business Unlimited card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.

• Advertising Services
• Airfare
• Amazon.com
• Car Rentals
• Internet, Cable and Phone Services
• Drug Stores
• Education
• Every Purchase
• Furniture
• Gas stations
• Groceries
• Gyms
• Home Improvement
• Hotels
• Insurance
• Office Supply Stores
• Restaurants
• Retail
• Shipping
• Software, Hardware, Cloud
• Utilities
• Warehouse Clubs

Can I get it with just an employer identification number (EIN)?

What are the benefits?

This business credit card provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Fraud Liability
• Travel Assistance
• Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (877) 242-7372.

What is the support contact email?

The support contact email for this business credit card is customerdepartament@chase.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Chase Ink Business Unlimited Credit Card report your account activity to credit bureaus?

Yes, Chase Ink Business Unlimited Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

• Visit the Chase Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.