Ink Business Unlimited® Credit Card: Comprehensive Overview and Application Guide

The Ink Business Unlimited® Credit Card is one of the most popular business credit cards offered by Chase, renowned for its simplicity, generous rewards, and robust benefits tailored for small business owners. This card is an excellent option for entrepreneurs looking to earn cashback on every purchase they make for their business without dealing with complicated spending categories. Whether you run a startup, a growing business, or a well-established company, this card provides a seamless way to manage business expenses while reaping the rewards.

Key Features of the Ink Business Unlimited® Credit Card

1. Unlimited 1.5% Cash Back on Every Purchase
   • The standout feature of the Ink Business Unlimited® Credit Card is its straightforward 1.5% cashback on all purchases. There are no rotating categories or restrictions on the types of purchases you can earn cashback on, making it ideal for business owners who prefer simplicity. Whether you’re buying office supplies, travel tickets, or paying for services, the card rewards you consistently with 1.5% cashback on every dollar spent.
2. Sign-Up Bonus
   • New cardholders can enjoy a generous $900 cash bonus after spending $6,000 on purchases in the first 3 months from account opening. This is a strong incentive, especially for small business owners who have larger upfront expenses. The bonus can be used to offset business expenses or reinvest into your operations.
3. No Annual Fee
   • Unlike many other business credit cards, the Ink Business Unlimited® Credit Card comes with no annual fee, which is a major advantage for small businesses trying to keep overhead costs low. Without an annual fee, the card becomes even more valuable, particularly for businesses with tight profit margins.
4. Employee Cards at No Extra Cost
   • You can add employee cards to your account at no additional cost. This is an excellent feature for businesses that have several team members making purchases on behalf of the company. You can also earn cashback on all purchases made with employee cards, increasing the amount of rewards you collect.
5. Purchase Protection
   • The card comes with built-in purchase protection, ensuring that your business purchases are safeguarded. Chase provides extended warranty protection, purchase protection, and return protection on eligible items, which can be incredibly valuable for businesses that rely on expensive equipment or inventory.
6. Fraud Protection
   • The Ink Business Unlimited® Credit Card offers robust fraud protection features. Chase uses advanced security technologies to detect unusual activity on your account, alerting you to potential fraud. In addition, cardholders are protected from unauthorized charges, with zero liability for fraudulent transactions.
7. No Foreign Transaction Fees
   • If your business involves international travel or purchases from foreign vendors, you’ll appreciate that the card has no foreign transaction fees. This makes it an ideal choice for businesses that operate globally or need to make international payments without incurring additional costs.
8. Integration with Chase Business Tools
   • As a business credit card, the Ink Business Unlimited® Credit Card integrates seamlessly with Chase’s business tools, such as QuickBooks, to help track and manage business expenses. You can easily export transaction data for accounting purposes, making tax season much easier to navigate. Additionally, Chase provides an easy-to-use Chase Business Online platform and mobile app for tracking your spending, reviewing your transactions, and managing your account on the go.

Advantages of Using the Ink Business Unlimited® Credit Card

1. Simplicity and Flexibility
   • The major advantage of this card is its simplicity. There are no complicated bonus categories or limits, just straight cashback on every purchase. This flexibility makes it perfect for businesses of all types, especially those who want to avoid the hassle of tracking different spending categories or managing multiple credit cards.
2. Large Sign-Up Bonus
   • The $900 cashback bonus after meeting the spending requirement is a significant reward that can be used to offset various business costs. This initial bonus is one of the best in its category, helping businesses that need a quick infusion of cash for operations, marketing, or new equipment.
3. Rewarding Cash Back Structure
   • With unlimited 1.5% cashback, the card rewards businesses on every purchase, large or small. Over time, the cashback can add up, especially for businesses that make a wide range of purchases from suppliers, online vendors, and service providers.
4. Travel and Business Expenses
   • Since the card has no foreign transaction fees, businesses that make purchases internationally will save money compared to other cards that charge up to 3% per transaction. The card’s additional travel perks, such as travel insurance and trip cancellation benefits, can also be valuable for business owners who travel frequently.
5. Expense Tracking Tools
   • The integration with Chase’s business tools allows for better organization of finances. For businesses that need to manage multiple expenses, the ability to track purchases, categorize them, and integrate with accounting software makes managing finances easier and more efficient.

Who Should Apply for the Ink Business Unlimited® Credit Card?

The Ink Business Unlimited® Credit Card is a great option for business owners who prefer a simple cashback rewards structure without needing to worry about rotating bonus categories. It is best suited for:

• Small Business Owners: Entrepreneurs who want to streamline their business expenses and earn cashback on all their purchases.
• Businesses with Regular, Diverse Spending: Whether you are purchasing office supplies, paying for advertising, or buying inventory, this card rewards every type of expense.
• Frequent Travelers: Businesses that incur foreign travel expenses will benefit from the card’s lack of foreign transaction fees and travel protection.
• Those Looking for Flexibility: The absence of an annual fee and rotating categories make this card ideal for business owners who do not want to be tied to a particular spending pattern.

How to Apply for the Ink Business Unlimited® Credit Card

Applying for the Ink Business Unlimited® Credit Card is simple and can be done online or over the phone. Here’s a step-by-step guide on how to apply:

1. Check Your Eligibility:
   • Before applying, ensure that you meet Chase’s eligibility requirements. The card is generally available to U.S. residents with a good to excellent credit score (typically 700+), and you should have a registered business to apply.
2. Gather Your Business Information:
   • You will need details about your business, such as your business name, tax identification number (TIN) or Employer Identification Number (EIN), the type of business (LLC, sole proprietorship, corporation), and your annual business revenue.
3. Visit Chase’s Application Page:
   • Go to the Chase website and navigate to the Ink Business Unlimited® Credit Card application page. You will be prompted to enter your business information and personal details (as the primary cardholder).
4. Submit Your Application:
   • After filling out the application, review the details and submit it. Chase may conduct a credit check to assess your eligibility, and you will typically receive a decision within a few business days.
5. Approval and Card Issuance:
   • If approved, you will receive your card by mail, usually within 7-10 business days. You can then begin using your card immediately for all your business-related purchases.

Final Thoughts

The Ink Business Unlimited® Credit Card is an excellent choice for business owners looking for a simple, effective way to earn cashback without the complexity of rotating categories or spending limits. With a generous sign-up bonus, no annual fee, and a straightforward cashback structure, this card helps businesses of all sizes save money while managing their day-to-day expenses. If your business is ready to take advantage of these benefits, applying for the Ink Business Unlimited® Credit Card could be a smart move for your financial strategy.