Costs & Pricing

Metric	Ink Business Unlimited® Credit Card	Business Advantage Unlimited 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)
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 Unlimited Cash Rewards
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	1.50% unlimited on all Net Purchases (no category cap)
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 Unlimited Cash Rewards
Personal guarantee	Required — joint and several liability of authorizing officer and business	Required in substance — cards are backed by personal credit
Credit check	Hard pull on authorizing officer's personal credit (SSN required)	Hard personal pull on applying owner/authorized officer
Employee cards	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	Free; no published numeric cap; employee-transaction monitoring
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 Unlimited Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Uncapped 1.5% on all Net Purchases; PRFB can take it to 1.87%/2.25%/2.62%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• No category tracking, no $50k bonus cap
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 2.62% requires business checking and $100k combined BofA/Merrill balances
• Personal-credit underwriting and personal liability
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT
• No transfer partners, lounge, or TSA credits; 1.5% trails 2% flats without PRFB

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 Unlimited Cash Rewards

Unlimited is the simple SKU in the Business Advantage cash pair — 1.5% with no cap, or up to 2.62% if Preferred Rewards for Business Platinum Honors is real for you. It is not Customized (3%/2%/1% with a $50k cap). Without PRFB it is a fine no-fee 1.5% card that loses to Ink Unlimited's bonus and Spark Select's longer 0% window. With PRFB it becomes one of the better uncapped cash rates in the set. Skip it for foreign spend or no-PG underwriting.