Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited® Credit Card offers a refreshingly straightforward approach to business rewards. Its appeal lies in its simplicity, making it an intriguing option for businesses seeking a no-fuss rewards program.

Rewards Structure

• Flat 1.5% cash back on all purchases
• No limit on how much you can earn

This uncomplicated structure is a breath of fresh air in the often complex world of rewards cards. It's particularly well-suited for businesses with diverse spending patterns that don't neatly align with typical bonus categories.

The Chase Travel℠ Connection

While marketed as cash back, rewards are earned as Chase Travel℠ points. This opens up interesting possibilities:

• Redeem for cash back at 1 cent per point
• Potentially transfer to travel partners if you have an eligible Chase card

This flexibility adds value that savvy business owners can leverage to maximize their rewards.

Business-Friendly Features

• No annual fee
• Free employee cards with customizable spending limits
• Purchase protection and extended warranty
• Introductory 0% APR period on purchases (duration may vary)

These features demonstrate Chase's understanding of small business needs, from managing costs to protecting purchases and a value cash flow.

Considerations

• A flat 1.5% rate may not be the highest available for specific categories
• Foreign transaction fees apply
• Limited travel-specific perks

While the flat rate is competitive, businesses with high spending in particular categories might find more value elsewhere. The foreign transaction fee is also a drawback for international purchases.

Who Should Get This Card?

This card is particularly well-suited for:

1. Businesses with diverse spending patterns
2. Entrepreneurs who value simplicity in their rewards program
3. Small businesses looking to avoid annual fees

However, it might not be ideal for:

1. Companies with high spending in specific categories (e.g., office supplies, travel)
2. Businesses with frequent international expenses
3. Those primarily seeking premium travel perks

Conclusion

The Chase Ink Business Unlimited Credit Card shines in its simplicity. Its flat-rate rewards structure and no annual fee make it an attractive option for businesses seeking a straightforward way to earn rewards on all their spending. While it may not offer the highest rewards in specific categories, its unlimited earning potential and ease of use make it a strong contender in the business credit card market.