Michael Anderson
Sunday, September 21, 2025 at 12:47 AM EDT
Ink Business Unlimited® Credit Card
A straight-forward, fee-free business card with a strong bonus, flat cash back, and useful protections.
- Select “Apply Now” to apply online
- $0 annual fee
- $750 bonus cash back after $6,000 spend in 3 months
- Earn unlimited 1.5% cash back on all business purchases
- 0% intro APR for 12 months on purchases
- Employee cards at no extra cost
- Fraud alerts, zero liability, purchase protection included
Credit Card Review
The Ink Business Unlimited® card gives busy business owners a simple rewards system. You earn $750 cash back after spending $6,000 in the first three months. Every purchase earns unlimited 1.5% cash back with no caps and no categories to track. This makes it a reliable choice for steady rewards. A 12-month 0% intro APR on purchases adds flexibility for early expenses.
Adding employee cards is free, and their spending also earns rewards. Built-in protections include fraud alerts, zero liability for unauthorized charges, and purchase protection. The card also includes extended warranty coverage on eligible purchases. With no annual fee, it’s easy to keep long-term without added costs.
Rewards can be redeemed for cash back, gift cards, or travel through Chase Ultimate Rewards®. Pairing this card with the Ink Business Preferred® or Sapphire Reserve® can boost redemption value. It also integrates with accounting software, making expense tracking simpler. Digital wallet compatibility and account alerts add more convenience and security. Overall, it’s one of the best no-annual-fee business cards for consistent everyday rewards.
- Big welcome bonus
- Flat 1.5% cash back on everything
- 0% intro APR term
- No annual fee
- Good business protections
- 3% foreign transaction fee applies
- Flat rate might earn less on category spend
How to Apply for Ink Business Unlimited® Credit Card
Check Eligibility
Confirm Ink Business Unlimited® Credit Card fits your business size and spending needs (cash flow, travel, vendor purchases, or employee cards).
Prepare Your Information
Prepare personal details plus business name, business type, revenue, years in business, and tax identification information if requested.
Apply on the Issuer Site
Use the Apply button for Ink Business Unlimited® Credit Card and complete the secure issuer application form with accurate information.
Review the Decision
Review approved credit limit, employee card options, expense tools, and reward categories before first use.
Activate and Set Up
Activate the card, connect it to accounting/expense workflows, and set controls for employees if the issuer supports them.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Ink Business Unlimited® Credit Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Ink Business Unlimited® Credit Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Can I apply for Ink Business Unlimited® Credit Card as a sole proprietor?+
Many business cards allow sole proprietor applications using personal information plus basic business details, but issuer requirements vary.
Will applying for Ink Business Unlimited® Credit Card affect my personal credit?+
Most issuers check personal credit when you apply for a business card, so a hard inquiry may appear on your personal credit report.
What details should I have ready for Ink Business Unlimited® Credit Card?+
Prepare business name, business type, estimated revenue, time in business, and your personal guarantor information if requested.
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