Ink Business Unlimited® Credit Card
No-annual-fee flat 1.5% cash back with a 12-month 0% purchase intro APR
Ink Business Preferred® Credit Card
$95 transferable Ultimate Rewards business card — 3x on travel, shipping, ads, and comms up to $150k/year
Costs & Pricing
| Metric | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card |
|---|---|---|
| Annual fee | $0 | $95 (no first-year waiver published) |
| Employee card fee | $0 | $0 |
| Purchase APR | 16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%) | 17.74%–26.74% variable (Prime + 10.99% to +19.99%; max 29.99%) |
| Intro APR (purchases) | 0% fixed for first 12 months (lost if minimum payment missed) | Not offered |
| Foreign transaction fee | 3% | $0 |
| Late payment fee | $40 | $40 |
Rewards & Value
| Metric | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card |
|---|---|---|
| Base earn rate | 1.5% cash back (1.5 Ultimate Rewards points per $1) | 1 Ultimate Rewards point per $1 on all other purchases (uncapped) |
| Welcome bonus | $1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026) | 100,000 Ultimate Rewards points after $8,000 purchases in first 3 months (posts 6–8 weeks after qualifying) |
| Redemption value | 1¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point | 1¢/point cash (RPA contractual floor); Chase Travel marketed at 1.25¢; transfers at partner ratios |
| 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) | Native transfers (airlines 1:1; IHG, Marriott, Wyndham 1:1). World of Hyatt 1:1 through 9/30/2026, then 4:3 from 10/01/2026 (1,000 UR → 750 Hyatt). Unlocks transfers for Ink Cash/Unlimited points moved onto this card. |
Credit & Eligibility
| Metric | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card |
|---|---|---|
| Personal guarantee | Required — joint and several liability of authorizing officer and business | Required — authorizing officer liable individually and jointly with the business for all balances |
| Credit check | Hard pull on authorizing officer's personal credit (SSN required) | Hard pull on the authorizing officer (standard Chase practice) |
| Employee cards | Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts | Free; number not capped in public copy; individual spend limits and real-time tracking |
| Product type | Revolving business credit card | Revolving 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
Ink Business Preferred® Credit Card
Pros
- 100,000 UR / $8,000 / 3-month welcome bonus; authorized-user spend counts
- 3x on shipping, direct social/search ads, comms, and travel up to $150k per anniversary year
- Native Ultimate Rewards transfers; unlocks transfers for Ink Cash/Unlimited points
- $0 foreign-transaction fee and $0 employee cards
- Cell-phone protection plus purchase protection and primary business rental CDW
Cons
- $95 annual fee with no Global Entry, lounge, or travel statement credit
- No intro 0% APR — poor working-capital tool if a balance will be carried
- Personal guarantee + hard pull + unofficial 5/24 gate
- Advertising 3x is narrow (direct platform MCCs, not agencies); office supplies are not 3x
- Hyatt transfers drop to 4:3 on October 1, 2026; bonus likely unavailable if you ever held this card
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.
Ink Business Preferred® Credit Card
Ink Business Preferred is the transfer keystone of the Ink family — 3x on the spend categories many operators actually have, $0 FTF, and a 100k welcome bonus, all at $95. Pair it with Ink Cash or Unlimited if you want the rest of spend at cash-back rates with transferable points parked here. Skip it if you need 0% capital, no personal guarantee, lounges, or simple uncapped cash back.