Chase Ink Business Unlimited Credit Card Pricing & Features Overview- Subscribed.FYI
Credit Cards

Chase Ink Business Unlimited Credit Card

The Chase Ink Business Unlimited Credit Card offers unlimited 1.5% cash back on all purchases with no annual fee. Ideal for small businesses seeking straightforward rewards and cost-effective expense management.

Overview

What is the Chase Ink Business Unlimited Credit Card?

The Chase Ink Business Unlimited Credit Card is a no-annual-fee rewards card designed for small business owners who want to earn unlimited cash back rewards on everyday business purchases. Get flat-rate cash back on all purchases, simplifying your approach to maximizing returns on business spending with ease.

Why Use the Chase Ink Business Unlimited Credit Card?

Here are some of the key benefits of the Chase Ink Business Unlimited Credit Card:

  • Unlimited 1.5% Cash Back: Earn unlimited 1.5% cash back on all purchases made for your business, with no category restrictions or spending caps. This straightforward rewards structure allows you to easily accumulate cash back without needing to track bonus categories.
  • No Annual Fee: No annual fee, unlimited cash back rewards, perfect for budget-conscious businesses seeking rewards without extra costs.
  • Employee Cards: Authorize users at no extra cost, enabling rewards on employee spending and simplifying business expenses management.
  • Business Insurance: Card benefits include cell phone coverage and purchase protection, offering some built-in insurance for common business needs.

Who is the Chase Ink Business Unlimited Credit Card Right For?

The Chase Ink Business Unlimited Credit Card is ideal for:

  • Small Businesses with Straightforward Spending: This card is a good fit for businesses with consistent spending across various categories, as it offers a flat-rate cash back benefit on all purchases.
  • Cost-Conscious Business Owners: No annual fee, unlimited cash back rewards, perfect for budget-conscious businesses seeking rewards without extra costs.
  • New Business Owners: No annual fee, straightforward rewards program, ideal for new businesses managing expenses.

The Chase Ink Business Unlimited Credit Card offers a no-frills approach to earning cash back rewards on everyday business purchases. With its unlimited cash back rate, no annual fee, and built-in business insurance perks, the Chase Ink Business Unlimited Credit Card is a strong contender for small business owners looking for a straightforward and cost-effective way to maximize their return on business spending.

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Pricing and Features

Product Tier
Pricing
Features

Chase Ink Business Unlimited Credit Card

Annual Fee

$0

1st Year Annual Percentage Rate

0%

Annual Percentage Rate

18.49%-24.49%

  • $750 Bonus Cash Back: Earn after $6,000 spend in 3 months.
  • Unlimited 1.5% Cash Back: Earn 1.5% cash back on all purchases.
  • Intro APR: 0% APR for 12 months on purchases.
  • Redeem Cash Back: Flexible redemption options with Chase Ultimate Rewards.
  • Employee Cards: Add employee cards at no extra cost.
  • 5% Cash Back on Lyft: Earn 5% cash back on Lyft rides.

Experience

Cancellation

Optimizing Your Business Rewards Strategy: Concluding Your Chase Ink Business Unlimited Card

As your business requirements and spending patterns change, or if you consider other rewards programs to optimize everyday expenses, Chase provides a straightforward process to close your Ink Business Unlimited Credit Card. For a seamless transition and to prevent any pending charges, please visit this page.

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Product FAQ

How much can I earn in rewards with the Chase Ink Business Unlimited® Credit Card, and is there a limit on earning potential?

This card offers a clear and unlimited rewards structure:

  • Flat Cash Back Rate: Earn a flat cash back percentage on every purchase made with the card, regardless of category. This simplifies tracking your rewards and eliminates the need to remember bonus categories.
  • No Caps on Earnings: There’s no limit to the amount of cash back you can earn throughout the year. The more you spend on your business, the more cash back you can accumulate.

Consider your business’s typical annual spending volume to estimate your potential cash back earnings and determine if the rewards program aligns with your financial goals.

What types of business purchases qualify for cash back with the Chase Ink Business Unlimited Credit Card, and are there any exclusions?

The card offers cash back on a broad range of business expenses:

  • Wide Range of Purchases: Earn cash back on most everyday business purchases, potentially including office supplies, shipping costs, advertising expenses, and many more depending on your business category.

However, some exclusions might apply, such as cash advances, balance transfers, and merchant processing fees. Review the card’s terms and conditions for a complete list of excluded categories to ensure your typical business spending qualifies for cash back rewards.

Does the Chase Ink Business Unlimited Credit Card offer any additional benefits beyond cash back rewards, or is it purely a rewards card?

While the primary benefit is cash back, the card offers some additional perks:

  • Purchase Protection: Benefit from purchase protection against theft or damage for eligible purchases made with the card, potentially offering peace of mind for your business purchases.

These additional benefits can enhance the value proposition of the card beyond just the cash back rewards.

Does the Chase Ink Business Unlimited® Credit Card offer any business-specific benefits beyond purchase protection and extended warranty, if applicable?

The card focuses on core business needs:

  • Employee Cards: Issue employee cards to delegate spending and potentially track employee business expenses more efficiently.
  • Business Insurance Options (potential): Chase might offer business insurance options through partnerships, potentially allowing you to explore additional coverage for your business needs.

Employee cards and access to explore potential business insurance options can be valuable additions to the core rewards program offered by the card.

How can I redeem my cash back rewards earned with the Chase Ink Business Unlimited® Credit Card, and are there limitations on redemption options?

The card offers flexible redemption options for your cash back:

  • Statement Credit: Redeem your cash back rewards directly as a statement credit to reduce your outstanding balance.
  • Direct Deposit: Have your cash back rewards deposited directly into your linked business bank account.

There are typically no limitations on redemption options, allowing you to choose the method that best suits your business needs.