Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Ink Business Unlimited® Credit Card Review: Is It Right for Your Business?
February 6, 2025

What Is the Ink Business Unlimited® Credit Card?
The Ink Business Unlimited® Credit Card is a versatile no-annual-fee business credit card that offers straightforward rewards for business owners. Whether you're running a well-established company or managing a side hustle, this card provides unlimited 1.5% cash back on all purchases, making it an attractive option for businesses with varied spending patterns.
Ink Business Unlimited® Credit Card Pros & Cons
Pros:
- Generous welcome bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- No annual fee while offering premium benefits
- Unlimited 1.5% cash back on all purchases with no category restrictions
- 0% fixed intro APR for the first 12 months that your account is open then 17.49% - 23.49%
- Employee cards at no additional cost
- Valuable travel protection benefits including auto rental collision damage waiver
- Cell phone protection up to $1,000 per claim
- Purchase protection and extended warranty coverage
Cons:
- Subject to Chase's 5/24 rule
- Requires good to excellent credit (typically 670 or higher)
- Foreign transaction fees apply
- Cash back rewards value is maximized only when paired with premium Chase cards
Who Is the Ink Business Unlimited® Credit Card For?
This card is ideal for:
- Sole proprietors and small business owners seeking a no-annual-fee card
- Freelancers and side hustle entrepreneurs who want simple rewards
- Businesses with varied spending patterns that don't fit into specific categories
- Companies looking to separate business and personal expenses
- Business owners who want to provide employee cards with spending controls
To qualify, you'll need:
- A business tax ID / EIN (though sole proprietors can use their SSN)
- Good to excellent credit history
- Reasonable annual business revenue
- To meet Chase's 5/24 rule requirements
Comparing the Ink Business Unlimited® with Other Credit Cards
When considering the Ink Business Unlimited®, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business:
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more, up to $2 million per calendar year
- Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Ink Business Unlimited® excels in offering straightforward rewards for business owners
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
[[ CARD_LIST * {"ids": ["3444","1100", "2290"]} ]]
Consider Using Kudos to Maximize Your Rewards
While the Ink Business Unlimited® Credit Card offers excellent value, you can enhance your rewards even further by using Kudos, a free AI-powered browser extension. Kudos automatically suggests the best credit card to use for each purchase, ensuring you maximize your rewards across all your credit cards.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Ink Business Unlimited® Credit Card is an excellent choice for business owners who want a simple rewards structure without an annual fee. Its combination of unlimited 1.5% cash back, substantial welcome bonus, and valuable business benefits make it a strong contender in the business credit card market.
Ink Business Unlimited® Credit Card FAQ
What credit score do I need for the Ink Business Unlimited®?
A credit score of 670 or higher is typically required, though approval also depends on other factors like business revenue and credit history.
Can I use the Ink Business Unlimited® for personal expenses?
While technically possible, it's important to separate business and personal expenses for tax and bookkeeping purposes.
How do I redeem rewards with the Ink Business Unlimited®?
Rewards can be redeemed for cash back, travel through the Chase portal, gift cards, or transferred to airline and hotel partners when paired with premium Chase cards.
Does the Ink Business Unlimited® count toward the 5/24 rule?
Yes, this card is subject to Chase's 5/24 rule, meaning you won't be approved if you've opened 5 or more personal credit cards across all banks in the past 24 months.
What happens if I'm denied for the Ink Business Unlimited®?
You can call Chase's reconsideration line to discuss your application and potentially overturn the denial by providing additional information about your business.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.