Costs & Pricing

Metric	Ink Business Unlimited® Credit Card	Ramp Corporate Card
Annual fee	$0	$0 on the card. Platform software is separate: Free $0/user/mo; Plus $15/user/mo + unpublished platform fee by team size (20% off annual); Enterprise custom.
Employee card fee	$0	$0; unlimited physical and virtual cards
Purchase APR	16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%)	N/A — charge card; no revolving APR published. Marketing “0%” is 30-day statement float, not an intro APR.
Intro APR (purchases)	0% fixed for first 12 months (lost if minimum payment missed)	Not offered (no APR product)
Foreign transaction fee	3%	No separate FTF line. International charges that clear in a non-settlement currency: Visa conversion + markup not exceeding 3%. Local-currency cards on Enterprise / Canada can avoid conversion if spend matches card currency.
Late payment fee	$40	Official: none on the card product. Auto-pay of the full statement is required; failed debit is the operational penalty (possible lock, limit cut, account action).

Rewards & Value

Metric	Ink Business Unlimited® Credit Card	Ramp Corporate Card
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	Rate determined by Ramp on Qualified Purchases (Rewards Terms, 15 Jul 2026). Public/spokesperson range 0%–1.5% assigned per customer. Do not treat 1.5% as guaranteed. Canada cards are a separate fixed 1% (out of scope).
Welcome bonus	$1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026)	Not disclosed on official corporate-card or pricing pages (3 Sep 2026). Third-party listings conflict: NerdWallet 15 Jun 2026 — $1,000 Ramp card on approval, no min spend, one per new customer; older reviews $500. Treat live offer as Unclear — confirm on application.
Redemption value	1¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point	Cash/statement path is 1¢ per 1% only to the extent Ramp assigned that earn rate. Transfers are not 1:1. Cashback is not automatic unless auto-applied to Plus/Bill Pay fees.
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)	Not listed in current Rewards Terms. Historical 2024 in-product list (verify in-dashboard): Aeromexico, Flying Blue, Avianca LifeMiles, British Airways, Etihad Guest, Marriott Bonvoy, Qantas, Qatar Privilege Club, TAP Miles&Go, Wyndham — commonly 1.5 Ramp points : 1 partner unit. Min historically 100 partner points (150 Ramp). Irreversible; name must match an authorized admin.

Credit & Eligibility

Metric	Ink Business Unlimited® Credit Card	Ramp Corporate Card
Personal guarantee	Required — joint and several liability of authorizing officer and business	Not required. Official: “Ramp does not require founders to personally guarantee your expenses.” Corporate liability.
Credit check	Hard pull on authorizing officer's personal credit (SSN required)	Official: no personal credit check; no impact to personal credit score. Last 4 of SSN (or foreign passport) of one officer is KYC, plus selfie/ID if stepped up — not a published hard pull.
Employee cards	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	Unlimited physical and virtual; company liable. Spend controls: amount, frequency, category block/allow, merchant lock. Apple Pay / Google Pay; 3DS. USD physical cards: no PIN.
Product type	Revolving business credit card	Corporate / commercial charge card plus spend-management platform (pay-in-full; not revolving; no published APR)

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

Ramp Corporate Card

Pros

• $0 card AF and $0 extra-card fees with unlimited virtual/physical cards
• No personal guarantee and no personal credit check (official); corporate liability
• Native controls, receipt capture, and accounting sync — the software is the product
• 30-day interest-free float if auto-pay succeeds
• Visa Signature purchase security, extended warranty, and rental CDW on USD cards

Cons

• Cashback rate is not a published guarantee (0–1.5%, Ramp-determined); foreign/non-USD spend excluded from Qualified Purchases
• Must pay in full; cannot revolve or balance-transfer
• Sole props ineligible; $25k cash + real U.S. address bar
• FX markup up to 3% despite “no FTF” marketing; Plus platform fee and 2026 Bill Pay per-item fees can erase “free”
• Limit can move with linked cash; missed debit is operationally harsh

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.

Ramp Corporate Card

Ramp is a charge-card ops platform, not a 1.5% bank card and not Brex’s sibling SKU. Official no-PG / no personal pull plus unlimited virtual cards is the reason to pick it. Do not assume 1.5% cashback, a public welcome bonus, or true $0 FX. Sole props, revolvers, and rate-guarantee shoppers should use a traditional PG cash card instead. Plus seats and Bill Pay rails are software costs, not a card annual fee.