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Chase Ink Business Unlimited Credit Card

in Business Credit Cards from Chase Bank

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Chase Ink Business Unlimited Credit Card

Claimed

in Business Credit Cards from Chase Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 13.24% - 19.24%
Balance Transfer APR  (Variable APR) 13.24% - 19.24%
Credit Score Range 700 - 850
Annual Fee $0

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 13.24% up to 19.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Chase Ink business Unlimited card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Chase Ink Business Unlimited Credit Card is accepted.
  • Chase Ink Business Unlimited Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
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 business owners with good credit. The minimum credit score to apply is 700.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 13.24% up to 19.24%. The card has a variable balance transfer APR that ranges from 13.24% up to 19.24%.

It also has a variable cash advance APR of 24.99%. 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.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

Chase Ink business Unlimited card Rates & Terms
Purchase APR 13.24% - 19.24%
Balance Transfer APR 13.24% - 19.24%
Cash Advance APR 24.99%
Penalty APR 29.99%

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 $39.
  • A returned payment fee of up to $39.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Chase Ink business Unlimited card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee $39
Late Payment Fee $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $750 after you spend $7500.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

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

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Minimum Interest Charge $0
No Annual Fee
No Interest Grace Period for Late Payment 20 days
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $15
Foreign Currency Transaction Fee 3%
Late Fee Amount $39
Minimum Cash Advance Fee ($) Starting at $15
Returned Payment Fee $39
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Assistance
Bonus Rewards $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
Rewards Rates
  • Every Purchase
Signup Bonus $750
Balance Computation daily balance method (including new transactions).
Cash Advance APR (Variable APR) 24.99%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 13.24% - 19.24%
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 13.24% - 19.24%
Card Network Visa
Card Type
  • Rewards
  • Cashback
  • Bonus Offers

Chase Ink Business Unlimited Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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