1. Chase Ink Business Unlimited

Chase Ink Business Unlimited strives to make credit card rewards and perks simple and straightforward for business owners. The card provides great introductory benefits and 1.5X cash back on all business purchases.

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The Good

  • Cash Back Introductory Bonus
  • Unlimited Cash Back Rewards
  • 0% Introductory APR
  • No Annual Fee
  • Complimentary Employee Cards

Cash Back Introductory Bonus

With the Chase Ink Business Unlimited card, cardholders who spend $3,000 on their card within the first three months of opening their account will receive a sign-up bonus of $500 cash back.

Unlimited Cash Back Rewards

The Chase Ink Business Unlimited card allows cardholders to earn unlimited 1.5 percent cash back rewards on every purchase. Rewards can be redeemed for cash back, gift cards, travel, and more through Chase Ultimate Rewards. Cash back does not expire for the life of the account.

0% Introductory APR

For the first 12 months after a Chase Ink Business Unlimited account has been opened, the cardholder can take advantage of 0 percent APR on purchases and balance transfers. After the introductory period, cardholders are subject to the regular variable APR of 15.49 to 21.49 percent.

No Annual Fee

The Chase Ink Business Unlimited card has no annual fee.

Complimentary Employee Cards

With Chase Ink Business Unlimited, employee cards can be added to the account for no additional cost. Business owners can set spending limits for employee cards and earn rewards on employee purchases.

The Bad

  • Foreign Transaction Fees
  • Late and Returned Payment Fees

Foreign Transaction Fees

For purchases made with a Chase Ink Business Unlimited card in other countries, cardholders are subject to a foreign transaction fee of 3 percent of each transaction in U.S. dollars.

Late and Returned Payment Fees

Late and returned payments on a Chase Ink Business Unlimited account will result in a fee of $39.

The Bottom Line

The Chase Ink Business Unlimited card is a simple, straightforward business credit card with multiple benefits, including a cash back introductory bonus, a 0 percent introductory APR, unlimited 1.5X cash back rewards, and no annual fee. However, cardholders are subject to foreign transaction fees, late payment fees, and returned payment fees.

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