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Chase Ink Business Unlimited® Credit Card

If you’re a business owner looking for a no-fuss credit card offering great rewards on all your purchases, the Chase Ink Business Unlimited® Credit Card might be perfect. This card is designed to help you earn cashback on every purchase without worrying about spending categories or limits. In this review, we’ll cover everything you need about the Chase Ink Business Unlimited® Credit Card, including its features, benefits, pros, cons, and whether you should apply.

What is the Chase Ink Business Unlimited® Credit Card?

The Chase Ink Business Unlimited® Credit Card is a business credit card that offers a flat-rate cashback on all purchases. This means you earn the same cashback rate no matter what you buy, making it a simple and effective way to earn rewards. It’s part of Chase’s Ink Business credit card lineup, known for providing excellent value to small business owners.

Welcome Bonus

Earn $750 bonus cash back

APR

0% intro APR for 12 months from account opening on purchases. After that, 18.49%–24.49% variable APR.

Annual Fee

$0

Pros and Cons of the Chase Ink Business Unlimited® Credit Card

Pros

Flat-Rate Cashback: Earn 1.5% cashback on all purchases, making it simple to maximize rewards.

Zero Annual Fee: Enjoy all the benefits and rewards without any additional cost each year.

Generous Welcome Offer: Earn $750 bonus cashback after you spend $6,000 on purchases in the first 3 months after opening your account.

Flexible Rewards Redemption: You can redeem your cashback in various ways, including statement credits, direct deposits, gift cards, and travel.

Purchase Protection and Extended Warranty: Protect your purchases and extend warranties on eligible items.

No Extra Cost for Employee Cards.

Cons

No Bonus Categories: The flat-rate cashback doesn’t offer higher earning rates in specific categories like other business credit cards.

Spending Requirement for Welcome Offer: Some small businesses may have a high initial spending requirement to earn the welcome bonus.

Limited Travel Benefits: Chase Ink Business Unlimited® Credit Card doesn’t offer extensive travel benefits.

Benefits of the Chase Ink Business Unlimited® Credit Card

  • Flat-Rate Cashback on All Purchases

    One of the main attractions of the Chase Ink Business Unlimited® Credit Card is its simple rewards structure. You earn 1.5% cashback on every purchase, with no categories or spending limits to worry about. This makes understanding and maximizing your rewards easy, no matter what you’re buying.

  • No Annual Fee

    Another significant benefit of the Chase Ink Business Unlimited® Credit Card is its no annual fee. This means you can enjoy all the card’s rewards and benefits without paying an additional cost each year. This makes it a cost-effective option for small businesses looking to save money.

  • Generous Welcome Offer

    Earn $750 bonus cashback after you spend $6,000 on purchases in the first 3 months after opening your account. This bonus can provide a great start to your cashback-earning journey and help you save on future expenses.

  • Flexible Rewards Redemption

    Cashback earned with the Chase Ink Business Unlimited® Credit Card can be redeemed in various ways, giving you flexibility in using your rewards. Options include:

    • Statement Credits: Use your cashback to offset your credit card balance.
    • Direct Deposits: Transfer your cashback directly to your business bank account.
    • Gift Cards: Choose from various gift cards from popular retailers and restaurants.
    • Travel: Redeem your cashback for travel expenses through the Chase Ultimate Rewards® portal.
  • Purchase Protection and Extended Warranty

    The Chase Ink Business Unlimited® Credit Card offers valuable purchase protection and extended warranty benefits:

    • Purchase Protection: This policy covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
    • Extended Warranty: Extends the U.S. manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
  • Employee Cards

    You can issue additional cards to your employees at no extra cost. This allows them to make business purchases while helping you earn more cashback. You can also set spending limits on these cards to control expenses and ensure your budget is managed effectively.

Is the Chase Ink Business Unlimited® Credit Card Right for Your Business?

The Chase Ink Business Unlimited® Credit Card is a strong contender for business owners looking for a simple, no-fuss way to earn cashback on all their purchases. However, whether it’s the right card for your business depends on your needs and spending habits.

Consider the Chase Ink Business Unlimited® Credit Card if:
  • You Want Simple Cashback: The flat-rate cashback structure makes understanding and maximizing your rewards easy.
  • You Don’t Want an Annual Fee: Enjoy all the benefits and rewards without any additional cost each year.
  • You Value Flexible Rewards: You can redeem your cashback in various ways, including statement credits, direct deposits, gift cards, and travel.
  • You Need Purchase Protection and Extended Warranty: Protect your purchases and extend warranties on eligible items.
  • You Want Employee Cards: Issue additional cards to employees at no extra cost and set spending limits.
Look for Other Options if:
  • You Prefer Higher Earning Rates in Specific Categories: If you spend a lot in particular categories like travel, office supplies, or dining, you might benefit more from a card that offers higher earning rates in those areas.
  • You Want Extensive Travel Benefits: If you travel frequently for business, you might prefer a card with more travel perks, such as airport lounge access or travel insurance.

Final Thoughts

The Chase Ink Business Unlimited® Credit Card is an excellent choice for business owners who want a straightforward way to earn cashback on all their purchases. With its flat-rate cashback, no annual fee, generous welcome offer, and flexible redemption options, this card can be a powerful tool for managing your business finances.

Consider your business’s spending patterns, rewards preferences, and expense management needs to determine if the Chase Ink Business Unlimited® Credit Card fits you. With the right strategy, this card can help you earn rewards, save on expenses, and enjoy valuable protections that support your business’s growth and success in 2024 and beyond.

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Chase Ink Business Unlimited® Credit Card

Editorial Disclosure

Opinions  expressed here are the author’s 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.

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