Chase Ink Business Unlimited card review: No annual fee and an impressive sign-up bonus make this card perfect for small-business owners who want to minimize costs

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Ink Business Unlimited® Credit Card

Chase Ink Business Unlimited® Credit Card

But there's a way to get even more from your points if you also have the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card in your wallet. When you transfer your Chase points from the Ink Business Unlimited® Credit Card to one of these cards, you'll open up more valuable redemption options, including:

  • Transferring points to Chase's airline and hotel partners, which include United Airlines, Southwest, and Hyatt
  • Redeeming points at a better rate (1.25 cents per point with Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card, 1.5 cents per point with the Chase Sapphire Reserve®) through the Chase Ultimate Rewards travel portal to book airfare, hotels, and more
  • Using Chase's Pay Yourself Back feature to redeem points at an improved rate for other common expenses, like grocery stores, dining, and home-improvement stores (Chase Sapphire Preferred® Card and Chase Sapphire Reserve®) or select online advertising and shipping expenses (Ink Business Preferred® Credit Card)

Ink Business Unlimited benefits and features

Primary rental car insurance

Chase offers primary car rental insurance if you rent a car for business purposes using your Ink Business Unlimited® Credit Card, which can save you a ton of money on rental charges.

When you decline the collision insurance offered by the rental company and charge the entire cost of the rental to your card, you're covered for theft and collision damage up to the actual cash value of most vehicles in the US and abroad. Note that you're not covered for liability, so you'll have to pay for that separately or carry coverage through your own personal auto insurance policy.

Purchase protection and extended warranty

The Ink Business Unlimited® Credit Card comes with purchase protection, which covers your new purchases for 120 days against damage or theft (up to $10,000 per claim and $50,000 per account). You'll also get extended warranty coverage which extends the time period of a US manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Travel and emergency assistance and roadside dispatch

As a cardholder, you'll also have travel and emergency assistance if you need help during your travels. While you will have to cover the cost of any emergency assistance, a benefits administrator can help you navigate the process of getting help during an unexpected event. 

You'll also get access to a roadside dispatch service, which can arrange help like a tow, jumpstart, or tire change. As with the emergency assistance services, you'll be responsible for covering the cost of any services.

Zero-liability and fraud protection

The Ink Business Unlimited® Credit Card also offers its cardholders account protection in the form of alerts, so you can easily monitor the activity on your account and identify any possible fraud.

You can choose the alerts you want to get and how you want to receive them, and you won't be held responsible for unauthorized charges made with your card or account information.

Ink Business Unlimited® Credit Card

Chase Ink Business Unlimited® Credit Card

As another way to reduce costs, the Ink Business Unlimited® Credit Card comes with a 0% APR on purchases in the first 12 months of account opening. After that, you'll get a 13.24%–19.24% variable APR. The introductory APR is a nice deal if your business has upfront expenses you want to charge to the card and pay off over time without accruing interest.

Like many no-annual-fee cards, the Ink Business Unlimited® Credit Card charges a foreign transaction fee, so it's not a good pick for expenses billed from overseas or international travel. You're better off using one of our favorite credit cards with no foreign transaction fees for those purchases.

And, like most cards, you'll pay a fee for balance transfers, cash advances, and late or returned payments.

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Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

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