Last Updated: 05/14/2026
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
17.49% - 23.49%(Verified 01/17/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.49% - 23.49%(Verified 01/17/2025)
Disclaimer popup with additional information
Annual Fee
$0
Disclaimer popup with additional information
Credit Score Range
660 - 850
Number of Reviews
Ink Business Unlimited® Credit Card Review
This is a cashback card issued by Chase Bank. If you're wondering whether Ink Business Unlimited® Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.49% up to 23.49%.
- 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.$0
- $0 intro annual fee for the first year. $0
- A 5% balance transfer fee. 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 up to 3% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Chase Ink business Unlimited card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 17.49% up to 23.49% . The card has a variable balance transfer APR that ranges from 17.49% up to 23.49% .
It also has a variable cash advance APR of 29.24%. 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.
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.
| Purchase APR | 17.49% - 23.49% |
| Balance Transfer APR | 17.49% - 23.49% |
| Cash Advance APR | 29.24% |
| 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 $40 .
- A returned payment fee of $40.
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.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $40 |
| Late Payment Fee | $40 |
Does it offer a cash back or 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.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | $900 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 750 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
Yes. Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening..
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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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.
Message from Chase Ink business Unlimited card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Business Credit Cards from Chase Bank
Purchase APR
20.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 26.24%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Annual Fee
$0
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Rating not yet determined
Purchase APR
18.74% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 23.49%
Disclaimer popup with additional information
Annual Fee
$99
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$99
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Rating not yet determined
Purchase APR
18.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 26.49%
Disclaimer popup with additional information
Annual Fee
$195
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$299
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$149
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Annual Fee
$150
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$199
Disclaimer popup with additional information
Credit Score Range
660 - 850
300
850
Community Recommended Products
View AllStrongly recommended10 Reviews
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Ink Business Unlimited® Credit Card Community Reviews
Would you recommend Ink Business Unlimited® Credit Card to your friends?
CD
Cedric D.
Aug 20, 2021
May or may not recommend
I actually just started my journey in building my credit last week, and this was my first choice. The transfer costs were very inexpensive, and I felt very safe with Chase's increased security. I've been very satisfied with Chase Ink's service so far, so I definitely recommend to anyone trying to build their credit for the first time.
RP
Rene P.
Jun 6, 2021
May or may not recommend
I have been very satisfied with Chase Ink. There are minimal fees and the customer service isn't bad because it's linked to Chase. The APR I was approved for was pretty great in comparison to every offer I received.
AF
Anthony F.
Apr 22, 2021
May or may not recommend
thank you for the opportunity to have this card with this amount of perks and rewards. outstanding customer support and great service. I highly recommend.
U
Anonymous
Mar 2, 2021
May or may not recommend
Chase has a competitive apr and great cash back rewards. I have been happy with their customer service, I had to stop a couple of transactions that needed t be taken care of and because of their fraud protection I was able to do this with ease. I have been very happy with them so far. I don't think I will use it if I travel because they do charge ...Show More
CC
Constance C.
Dec 18, 2020
May or may not recommend
I’m a new business owner and the Chase Ink Business Unlimited Credit Card makes my life much easier. There’s no annual fee and I can use it for all of my business expenses. I love its reward program and I even got a bonus for signing up for the card. I would definitely recommend it to all of my friends.
AD
Alissa D.
Oct 11, 2020
May or may not recommend
Excellent. The perks of return are great. The app is easy to navigate, and setting up payments is easy. I received 10% back of the first 5000 spent on the card. Because of this bonus, I was able to purchase a tool for my business that I needed at a lower final cost. I personally to not prefer the Chase company itself for they are pushing for a cashless ...Show More
Showing 6 of 6 reviews
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