Ink Business Unlimited® Credit Card
No-annual-fee flat 1.5% cash back with a 12-month 0% purchase intro APR
Business Advantage Customized Cash Rewards
$0-fee 3%/2%/1% business cash-back with a monthly-switchable category and a $50k combined bonus cap; up to 5.25%/3.5%/1.75% with Preferred Rewards for Business Platinum Honors
Costs & Pricing
| Metric | Ink Business Unlimited® Credit Card | Business Advantage Customized Cash Rewards |
|---|---|---|
| Annual fee | $0 | $0 |
| Employee card fee | $0 | $0 (no published cap on number) |
| Purchase APR | 16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%) | 16.74%–26.74% variable after intro (creditworthiness-based; Prime + margin not printed on marketing summary) |
| Intro APR (purchases) | 0% fixed for first 12 months (lost if minimum payment missed) | 0% for 7 billing cycles, then 16.74%–26.74% variable |
| Foreign transaction fee | 3% | 3% |
| Late payment fee | $40 | Not disclosed on public product pages |
Rewards & Value
| Metric | Ink Business Unlimited® Credit Card | Business Advantage Customized Cash Rewards |
|---|---|---|
| Base earn rate | 1.5% cash back (1.5 Ultimate Rewards points per $1) | 1% on all other Net Purchases (PRFB can lift to 1.25%/1.50%/1.75%) |
| Welcome bonus | $1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026) | $500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026) |
| Redemption value | 1¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point | 1¢ per 1% (cash is cash). No travel portal, no transfer partners. |
| Transfer partners | Not native on this card; points can be moved to another Ultimate Rewards account for transfer-partner access when paired with eligible cards (e.g., Ink Preferred) | None |
Credit & Eligibility
| Metric | Ink Business Unlimited® Credit Card | Business Advantage Customized Cash Rewards |
|---|---|---|
| Personal guarantee | Required — joint and several liability of authorizing officer and business | Required in substance — cards are backed by personal credit; owner/authorized officer applies |
| Credit check | Hard pull on authorizing officer's personal credit (SSN required) | Hard personal pull on applying owner/authorized officer (treat as hard unless a prequalification tool says otherwise — none advertised) |
| Employee cards | Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts | Free; no published numeric cap; employee-transaction monitoring. Per-card sub-limits Unclear vs the separate CORP product. |
| Product type | Revolving business credit card | Revolving small-business credit card |
Pros & Cons
Ink Business Unlimited® Credit Card
Pros
- $0 annual fee on primary and employee cards
- Uncapped 1.5% on eligible purchases — simple flat-rate earn
- 12-month 0% intro APR on purchases
- Elevated $1,000 / $8,000 / 4-month welcome bonus (as of 9/3/2026); AU spend counts
- Primary business-use rental CDW up to $60,000 on a no-fee card
Cons
- 3% foreign-transaction fee
- No native bonus categories — loses to 2% flats and Ink Cash/Preferred in bonus buckets
- Personal guarantee + hard personal pull + unofficial 5/24 rule
- Welcome bonus blocked if you ever held this or another $0-AF Chase business card
- No balance-transfer intro APR; no cell-phone protection or premium travel credits
Business Advantage Customized Cash Rewards
Pros
- $0 annual fee and $0 employee-card fees
- Monthly-switchable 3% category plus 2% dining (first $50k combined); PRFB can take choice to 5.25%
- Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
- Cash redeems to deposit, statement, or check; no expiration while open
- In good standing, issuer says the card stays off personal credit reports
Cons
- 3% foreign-transaction fee
- 3%/2% share one $50,000 calendar cap, then 1% (+ PRFB)
- Headline 'up to' rates require business checking and $20k–$100k combined balances
- Personal-credit underwriting and personal liability; not a no-PG startup card
- Intro APR is short and purchases-only; 5% BT fee with no 0% BT
Verdict
Ink Business Unlimited® Credit Card
One of the strongest no-annual-fee business cards for flat-rate earn. The Ink Business Unlimited combines uncapped 1.5% cash back, a generous intro APR window, free employee cards, and a elevated welcome bonus — all without an annual fee. Best for domestic spenders who don't need category bonuses or premium travel perks. Poor fit for foreign spend, no-PG seekers, or businesses that would earn more with Ink Cash or Ink Preferred in their bonus categories.
Business Advantage Customized Cash Rewards
Customized is the category SKU, not the flat 1.5% Unlimited card. It wins when gas, office supply, travel, telecom, computer services, or consulting plus dining stay under $50k combined. After the cap, or if you will not enroll in PRFB, Unlimited is usually simpler. Poor fit for foreign spend, ad-heavy businesses, or anyone who needs no personal guarantee.