Ink Business Unlimited Credit Card Overview

The Ink Business Unlimited Credit Card is a premier credit card designed specifically for business owners who want to earn cashback on purchases without the complexity of rotating categories. Issued by Chase, this card offers a straightforward cash-back structure combined with valuable features tailored for the needs of small business proprietors.

Card Type

The Ink Business Unlimited Credit Card is categorized as a cashback business credit card. It enables business owners to earn cashback on all eligible purchases, making it an attractive option for those looking to maximize their rewards while managing business expenses effectively.

Annual Fee

One of the standout features of the Ink Business Unlimited Credit Card is its no annual fee policy. This makes it accessible for businesses of any size, allowing owners to maximize their cashback rewards without incurring unnecessary costs.

Rewards Program

The card offers 1.5% cashback on every purchase, which means business owners can earn rewards on all business expenses—from office supplies to travel. The cashback earned can be redeemed for statement credits, checks, or direct deposits into a bank account, providing flexibility in how rewards are utilized.

Sign-Up Bonus

New cardholders can take advantage of a generous welcome bonus: earn a substantial cash bonus after spending a specific amount within the first three months of account opening. This requirement adds some excitement and incentive for new users to actively use their card right away.

APR (Annual Percentage Rate)

The Ink Business Unlimited Credit Card offers a variable APR that typically ranges from 18.24% to 24.24%, depending on the creditworthiness of the applicant. Currently, there is no introductory low APR offer, so it is essential to pay down balances promptly to avoid interest charges.

Foreign Transaction Fees

This card comes with no foreign transaction fees. This feature is particularly beneficial for business owners who travel internationally, as users can make purchases abroad without worrying about additional charges.

Balance Transfer Options

Although the Ink Business Unlimited Credit Card does not focus primarily on balance transfers, cardholders may inquire about potential offers, though typically, such rates may not include 0% APR introductory periods.

Additional Fees

Along with no annual fee and no foreign transaction charges, the Ink Business Unlimited Credit Card applies specific fees such as:

• Late Payment Fee: Up to $40.
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is higher.

Card Benefits and Perks

Cardholders of the Ink Business Unlimited Credit Card enjoy several benefits and perks, including:

• No foreign transaction fees for international business travel.
• Purchase protection on eligible purchases against theft or damage.
• Extended warranty protection that extends the warranty period of items purchased with the card.

Customer Protections and Insurance

Chase prioritizes user security through various customer protections, such as:

• Zero fraud liability, safeguarding business owners against unauthorized transactions.
• Comprehensive rental car insurance when rental transactions are charged to the card.

Eligibility and Credit Score Requirements

To qualify for the Ink Business Unlimited Credit Card, applicants generally need a good to excellent credit score—typically a score of 700 or above. Financial history, including income, debts, and overall credit behavior, will also be considered during the application process.

Introductory Offers

While there are no introductory APR offers available, the focus remains on the lucrative cash-back rewards and sign-up bonus, enticing potential customers to engage with their business spending.

Special Features or Unique Selling Points

What sets the Ink Business Unlimited Credit Card apart is its simplicity. With a straightforward cashback structure and no annual fee, this card is ideal for businesses that value ease without sacrificing rewards potential. Additionally, the card’s user-friendly online account management system makes tracking and managing expenses easier for business owners.

How to Apply

Applying for the Ink Business Unlimited Credit Card is a simple process. Business owners can fill out an application online or visit a local Chase branch. Begin your application journey by visiting the UpCube.net for more financial insights or