Ink Business Unlimited full review

Chase Bank, known as Chase, is a prominent national bank headquartered in New York City. It is a subsidiary of JPMorgan Chase, a leading multinational banking and financial services holding company based in the United States.

Chase offers a wide range of financial services to nearly half of America’s households. These services include personal banking, credit cards, mortgages, auto financing, investment advice, small business loans, and payment processing.

JPMorgan Chase & Co., with assets totaling $3.31 trillion in 2022, holds the distinction of being the largest bank in the United States and boasting the most branches in the country.

The Ink Business Unlimited credit card, provided by Chase bank, is specifically designed for small entrepreneurs. It appeals to those who prefer a credit card with straightforward benefits instead of delving into complex reward programs.

Holders of the Ink Business Unlimited credit card earn unlimited 1.5% cash back rewards on every purchase they make. Additionally, the card offers a generous introductory bonus: $900 cash back after spending $6,000 on purchases within the first three months of opening the account.

The Ink Business Unlimited credit card features a 0% introductory Annual Percentage Rate (APR) for the first 12 months on purchases. After the introductory period, the variable APR ranges from 15.49% to 21.49%.

If you require employee cards, there are no additional charges. Employee cards provide the opportunity to set individual spending limits and accelerate rewards accumulation.

Cardholders of the Ink Business Unlimited card can redeem their rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards. Below are the redemption options available:

You can redeem your rewards as a statement credit to reduce your balance, or have the cash directly deposited into most U.S. checking and savings accounts. There are no minimum redemption amounts for Cash Back rewards points.

Book your business travel using Chase Ultimate Rewards®, and redeem your rewards for rental cars, hotel stays, or flights on most major airlines without restrictions or blackout dates.

Invest in a technology refresh to enhance office productivity. Use your points to partially or fully pay for Apple purchases through Ultimate Rewards.

Whether you want to reward yourself, your clients, or your employees, Chase offers over 150 popular gift card brands for redemption. Choose from hotels, office supply stores, electronics, and more.

When you decline the rental company’s collision insurance and charge the entire rental cost to your Ink Business Unlimited card, you receive primary coverage. This coverage reimburses you for theft and collision damage, up to the actual cash value of most cars, when renting for business purposes.

If you encounter any issues while traveling, such as legal or medical concerns, you can contact the Benefit Administrator for referrals and other travel and emergency assistance. Please note that you will be responsible for the cost of any goods or services obtained.

In case of a roadside emergency, dial 1-800-847-2869 anytime to request assistance. Services include towing, jumpstarts, tire changes, lockout service, winching, and gas delivery.

Purchases made with your Ink Business Unlimited card are covered against damage or theft for 120 days after purchase, up to $10,000 per claim and $50,000 per account.

Eligible warranties for U.S. manufacturer’s products with a duration of three years or less receive an additional year of coverage through the extended warranty protection offered by the Ink Business Unlimited card.

Using a business credit card allows you to retain your money for a longer period by delaying payments.

As your business expands, you will require access to greater capital. With the Ink Business Unlimited card, your business can establish its own credit history.

Chase Ink® grants you unrestricted access to view account details, quarterly reports, up to 24 months of statement details, and more, providing valuable insights into your business.

Easily differentiate and track business expenses, facilitating tax reporting and satisfying other business requirements.

Select the types of alerts you prefer and how you wish to receive them, offering you peace of mind regarding your account activity.

Depending on your spending patterns, the flat-rate cashback of the Ink Business Unlimited card may be surpassed by business cards offering bonus rewards in specific categories.

If your business aligns with the profile described above and you desire a credit card that streamlines rewards programs, click below to learn more about how to apply for your Ink Business Unlimited credit card.

Written by

Claire Harrison