Costs & Pricing

Metric	Ink Business Unlimited® Credit Card	Marriott Bonvoy Business® American Express® Card
Annual fee	$0	$125 (no first-year waiver published)
Employee card fee	$0	$0; up to 99 Employee Cards
Purchase APR	16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%)	Prime + 12.74% to Prime + 21.74% (marketing 19.49%–28.49% variable at Prime 6.75% as of 1–2 Sep 2026). Placement by creditworthiness at opening. No intro APR.
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	Up to $39; will not exceed Minimum Payment Due

Rewards & Value

Metric	Ink Business Unlimited® Credit Card	Marriott Bonvoy Business® American Express® Card
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	2 Marriott Bonvoy points per $1 on other eligible purchases (no published cap). Card-side points only — Marriott member-stay points are a program overlay, not a card rate.
Welcome bonus	$1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026)	Up to 125,000 Bonvoy bonus points: 75,000 after $6,000 eligible purchases + 50,000 after an additional $3,000 ($9,000 total) within the first 6 months of Card Membership (live public offer, 3 Sep 2026). Rotates — 3+2 Free Night Awards have appeared in other cycles. Offer end date not printed on the Business page.
Redemption value	1¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point	Issuer does not publish a cent value. Do not invent one. Industry write-ups often use ~0.6–0.9¢ on paid-night replacement; airline transfers often lower. Do not assume 1¢.
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)	Marriott Bonvoy airline partners at ~3:1 (not Membership Rewards). Not transferable to Amex MR.

Credit & Eligibility

Metric	Ink Business Unlimited® Credit Card	Marriott Bonvoy Business® American Express® Card
Personal guarantee	Required — joint and several liability of authorizing officer and business	Required in substance. CMA: Basic Cardmember and Company jointly and severally liable for all charges, including Employee Card use.
Credit check	Hard pull on authorizing officer's personal credit (SSN required)	No personal-score impact to learn if approved. Personal score may be impacted if approved and the Card is accepted. Business credit may be impacted on submit.
Employee cards	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	Up to 99 at $0 AF. Spend limits, merchant-type limits, real-time alerts, freeze/unfreeze, account graphs. Liability remains on Basic Cardmember + Company.
Product type	Revolving business credit card	Revolving business credit card (not a charge card; not a spend-management / net-terms product)

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

Marriott Bonvoy Business® American Express® Card

Pros

• $125 fee with an automatic annual Free Night (≤35,000 points) that can exceed the fee if redeemed against a high cash rate
• Complimentary Gold Elite + 15 ENCs without 25 paid nights
• 4X on four real small-business categories (worldwide restaurants, U.S. gas, U.S. wireless, U.S. shipping) with no published cap
• Up to 99 employee cards at $0 with limits and alerts; $0 FTF
• Apply-to-decision path that does not hit personal credit unless the Card is accepted

Cons

• $125 fee with no statement-credit offset; 35k Free Night cap plus dynamic pricing and resort fees
• Points are Marriott-locked; airline transfers are 3:1
• Purchase APR 19.49%–28.49% variable and no 0% intro — a poor revolver
• Personal / joint-and-several liability
• No lounge access, no Global Entry/TSA credit, thin trip-insurance stack vs premium Amex business cards

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.

Marriott Bonvoy Business® American Express® Card

This is the live U.S. Marriott business cobrand — not Bevy/Brilliant, not Chase Marriott Business (closed to new applicants), and not the Canadian $150 / 5X/3X/2X card. It pays when the firm actually sleeps Marriott and uses the Free Night. A hotel-agnostic shopper should use Ink Preferred, Business Gold, or a $0 2% cash card instead. Do not put Bonvoy member-stay points in the card earn column.