The Chase INK Business Unlimited card has been a staple in the business credit card market for years. With no annual fee and a simple flat-rate rewards structure, it is a favorite among small business owners. This review will delve into its features, benefits, and some insider tips for maximizing its value.


Card Overview

The Chase INK Business Unlimited card offers a flat 1.5% cash back on all purchases. This straightforward earning structure makes it easy to accumulate rewards without worrying about categories or spending limits. This card also comes with a generous welcome bonus, making it an attractive option for new applicants.

  • 1.5% cash back on all purchases
  • No annual fee
  • Generous welcome bonus

Welcome Bonus

One of the standout features of the Chase INK Business Unlimited card is its welcome bonus. Currently, new cardholders can earn over $900 in cash back after spending $6,000 in the first three months. This is a significant incentive that can provide immediate value.

In addition to the welcome bonus, the card also offers a 0% introductory APR for the first 12 months. This can be particularly beneficial for new businesses looking to manage cash flow without incurring interest charges.

Using Your Points

Accumulating points with the Chase INK Business Unlimited card is straightforward, but knowing how to use them effectively can maximize their value. Points can be redeemed for cash back, travel, gift cards, and more. For those who hold other Chase cards, points can be transferred to the Chase Ultimate Rewards portal for even greater value.

For example, transferring points to a card like the Chase Sapphire Reserve can yield a 50% boost in value, making your rewards go even further.

Additional Benefits

Beyond the impressive cash back and welcome bonus, the Chase INK Business Unlimited card offers several additional benefits that are worth noting:

  • Employee cards at no additional cost
  • Purchase protection
  • Extended warranty protection
  • Travel and emergency assistance services

These benefits add layers of value and protection, making the card even more attractive for business owners.

Referral Bonuses

The Chase INK Business Unlimited card also offers an excellent referral program. Cardholders can earn up to 40,000 bonus points for each successful referral, up to a maximum of 200,000 points per year. This is a fantastic way to earn additional rewards simply by recommending the card to other business owners.

Chase INK Rules

Before applying for the Chase INK Business Unlimited card, it’s crucial to understand some of the rules that Chase has in place. These rules can impact your approval chances:

The 2/30 Rule

This rule states that you cannot be approved for more than two Chase credit cards within a 30-day period. While there are exceptions, it’s generally a good idea to adhere to this guideline to improve your chances of approval.

The 1/30 Rule

This rule limits you to one Chase business credit card approval within a 30-day period. Again, exceptions exist, but it’s best to follow this rule to avoid complications.

The 5/24 Rule

The 5/24 Rule is well-known among credit card enthusiasts. It states that if you have opened five or more credit accounts in the past 24 months, you will likely be denied for most Chase credit cards. Business credit cards, however, do not count towards this limit, providing some flexibility for applicants.

Credit Score Requirements

To increase your chances of approval for the Chase INK Business Unlimited card, it’s advisable to have a credit score of at least 700. While there are instances of approvals with scores in the 670-680 range, aiming for 700 will provide a safer margin.

If you are denied, don’t be discouraged. You can call the Chase reconsideration line to plead your case and potentially overturn the decision. Be prepared to answer questions about your business and explain why you need the card.

Tips for Getting Approved

Getting approved for the Chase INK Business Unlimited card can be straightforward if you follow some essential tips:

  • Maintain a good credit score
  • Open a Chase business checking account
  • Know your business details
  • Be prepared for the reconsideration process

By taking these steps, you can significantly improve your chances of approval.

Who Should Get This Card?

The Chase INK Business Unlimited card is ideal for small business owners who want a simple, no-fuss rewards structure. With its flat 1.5% cash back, no annual fee, and generous welcome bonus, it offers excellent value without complexity.

It’s also a great option for those who can take advantage of the referral bonuses and additional benefits like purchase protection and travel assistance.

Pros and Cons


  • No annual fee
  • Generous welcome bonus
  • Flat 1.5% cash back
  • 0% introductory APR
  • Employee cards at no cost


  • Limited to business expenses
  • Requires good credit score
  • Subject to Chase’s rules


In conclusion, the Chase INK Business Unlimited card is a powerful tool for business owners looking to maximize their rewards without dealing with annual fees or complicated earning structures. With its impressive welcome bonus, flat-rate cash back, and additional benefits, it stands out as one of the best business credit cards available.

If you’re considering applying, make sure to understand Chase’s rules and prepare your application carefully. With the right approach, you can unlock significant value and make the most of this excellent business credit card.