Last Updated: 10/08/2025
Ink Business Unlimited® Credit Card
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in Business Credit Cards from Chase Bank
Last Updated: 10/08/2025
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
17.49% - 23.49%(Verified 01/17/2025)
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Balance Transfer APR (Variable APR)
17.49% - 23.49%(Verified 01/17/2025)
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Annual Fee
$0
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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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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