The Chase Ink Business Unlimited is a great card with no annual fee, 0% introductory APR for the first 12 months, a variety of multipliers, and travel and warranty benefits.
Please review the Chase Ultimate Rewards Points overview before applying.
Table of Contents Hide
Sign Up Bonus + Annual Fee
This card shows a bonus of $750, and it is worth $750 if converted to cash. However, you receive it in the form of 75,000 Ultimate Rewards points.
Review
The Chase Ink Business Unlimited is in my opinion one of the best no-annual fee business credit cards available. The card earns earns 1.5 UR points per dollar on all purchases.
Who is this card for?
Small business owners looking to start out buying a variety of different things. There is no bonus multiplier categories, so it’s really good for small business owners that are just starting out and buying things that might not fit into a particular category. A lot of business start out not making money, but actually losing money. This card has no interest for the first 12 months which really helps businesses starting out.
While the info above is great for business owners it’s also important to also realize that the “requirements” to getting a business card might not be as hard as it sounds. Maybe you do your friends nails on the side, or do IT for your family and your grandma gives you $1. In many states you could qualify as a sole proprietor and qualify to apply for this card or any business card. Keep in mind I am not a legal business expert, but I will say that I have never been denied a business credit card, and I do not have a high revenue business.
Because this is a business card it does not count against 5/24. This means that if you are 4/24, after applying to this card you will still be 4/24. You will still be denied if you are 5+/24 at the time of applying.
Multipliers
1.5x on Everything
Benefits
Free employee cards
Car rental insurance
Various travel and shopping insurances
Temporary 5x on Lyft
Lyft Benefits
The Chase Ink Business Unlimited also comes with 5% cash back on all Lyft rides through March 2022. All you have to do is connect your Ink Business Unlimited card to the Lyft app to get this benefit.
Shopping Protections
The Chase Ink Business Unlimited provides several shopping related insurances. The first is purchase protection. This covers purchases for 4 months against theft or damage up to $500 per purchase. Check with Chase to make sure your situation will be covered first.
The card also provides adds an extra year of extended warranty protection above the original warranty. Again, check with Chase to make sure your situation is covered first.
Car and Travel Insurances
The Chase Ink Business Unlimited also provides several travel related insurances. The first is rental car collision damage waiver. By declining the rental company’s collision insurance (even if they suggest you don’t), you get secondary theft and collision damage coverage. Check with Chase to make sure your situation will be covered first.
The card also provides lost and delayed luggage insurance. Again, check with Chase to make sure your situation is covered first.
The travel accident insurance is also a pretty useful insurance in the event something really unfortunate happens, keep in mind that this applies only if you are travelling for business reasons.
Summary
The Chase Ink Business Unlimited card is a great card for people who want a no annual fee credit card, while also getting a huge $750 sign up bonus. It is great for small business owners because you can provide your employees with free cards. If you’re also simply looking for a lot of Chase Ultimate Rewards points and have the ability to get business cards this is a great place to continue. Applying to business cards also do not count towards 5/24! Furthermore, the ability to get a 25% or 50% bonus when redeeming points for travel with the Chase Sapphire Preferred / Ink Business Preferred or Chase Sapphire Reserve adds to the perks of this credit card.
If you think this card would be a good fit for you, please consider using our referral link below.