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KEY LINK: card_name – bonus_miles_full annual_fees

Small Business credit cards are a bit of a special animal in the credit card world.  Unlike what we call “personal” cards, some cards like the Chase Ink Business Unlimited that are tagged as “business” cards do require you to have a business to apply.  You’ll be asked for business identifier (SSN or EIN), business income, years in business and other things about your business on your Chase Ink Business Unlimited application.  I’m lucky to have a couple of businesses, but you might have a business too, even if you don’t think you do. You can often apply just as a sole proprietorship with your own SSN if you don’t have a separate business EIN.


Chase Ultimate Rewards are one of the best types of miles and points currencies out there – because it’s a transferrable currency, it’s able to be transferred to a variety of miles and points partners, which helps insulate it from devaluations.

Plus it’s easier than others to get a lot of – including the card_name, card_name, card_name, card_name, card_name, Chase Freedom Flex, and card_name.


The Chase Ink Business Unlimited has 3 main things going for it

  • First, a welcome offer that allows you to bonus_miles_full (it’s advertised as a cash bonus, but see the section below)
  • 1.5 Ultimate Rewards per dollar spent
  • No annual fee

And that’s…. pretty much it.  No frills, no category bonuses.  Just a solid welcome offer, a solid earn for your everyday spend, and no annual fee. This is very similar to the Chase Freedom Unlimited card, but with a much bigger welcome offer. This card does fall under the Chase 5/24 rule, so you’ll likely not be approved if you’ve applied for 5 or more cards in the past 24 months.

Combining Chase Ultimate Rewards from your Chase Ink Business Unlimited® Credit Card

Since the Chase Ink Business Unlimited card is not considered a “premium” card, its points are only worth 1 cent when considered by themselves.  However, if you already HAVE a premium card (like the card_name or card_name for example), then you are able to (at least for now!) combine all your Chase Ultimate Rewards into one account.

So your 1.5x for every dollar spent, if transferred to an account with the Sapphire Reserve (where you can REDEEM for 1.5 times), would give you 2.25% back on purchases through the Chase Ultimate Rewards portal.  And of course if you transfer them to travel partners, you can often get even MORE value.

To me, this makes the Chase Ink Business Unlimited possibly the best business credit card to put everyday spending on, if you’re not meeting a minimum spending requirement or getting a category bonus.

a car parked on a road

Primary Rental Car Coverage and Travel Protections

One of the best Chase Ink Business Unlimited benefits is that it offers primary car rental coverage in most countries around the world, as long as you are renting the car for business purposes. Renting a car using a credit card that has primary car rental coverage can be a big time and money saver if you happen to get into an accident or cause damage while renting.

(SEE ALSO: How a Chase car insurance claim saved my mom nearly $900)

(SEE ALSO: Why you’re foolish to rent a “standard” car)

The Chase Ink Unlimited card also offers travel and emergency assistance services.

Is the Chase Ink Business Unlimited® Credit Card the best business card out there?

I think the Chase Ink Business Unlimited card has a case for the best business card out there.  Here’s a quick look at some of the other contenders

  • card_name – welcome offer lets you bonus_miles_full. You’ll earn 3x category bonuses on the first $150000 on travel and select business expenses but only 1x on every day spend and a $95 fee
  • card_name – welcome offer lets you bonus_miles_full. You’ll earn only 1x on everyday spend and 5x on on the first $25,000 in combined purchases at office supply stores, internet, cable, and phone services and no annual fee. Comparing the Ink Cash to the Ink Business Unlimited will depend on how much of your regular spend is in these bonus categories
  • American Express Blue Business Card – no annual fee, 2x Membership Rewards on every purchase and a 15,000 Membership Rewards bonus (though I’ve seen the bonus vary over time)
  • American Express Business Platinum card – this card has a $695 annual fee but comes with a variety of premium benefits (but only 1x on everyday spend, though there are bonuses in some categories and for large purchases). Currently it has a bonus of 120,000 Membership Rewards bonus but there are often targeted offers for more.

KEY LINK: card_name – bonus_miles_full annual_fees

If you’re looking for links to apply to the American Express business credit cards instead, you can find it on our top credit card offers page, under small business cards. If you’re interested in signing up, we may receive a commission if you sign up through our link – we appreciate the support!

What do you think? Where does the Chase Ink Business Unlimited card fall in the list of best business cards out there?  Leave your thoughts in the comments

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