Costs & Pricing

Metric	Ink Business Unlimited® Credit Card	U.S. Bank Business Altitude® Connect Visa Signature® Card
Annual fee	$0	$0 intro first year, then $95/year
Employee card fee	$0	$0
Purchase APR	16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%)	18.24%–25.24% variable (creditworthiness + Prime). Consistent 2026 aggregator tables — official Schumer box is application-gated, not a scanned PDF.
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 $41 reported (WalletHub 28 Aug 2026)

Rewards & Value

Metric	Ink Business Unlimited® Credit Card	U.S. Bank Business Altitude® Connect Visa Signature® Card
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	1 point per $1 eligible net purchase (1X)
Welcome bonus	$1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026)	75,000 bonus points after $6,000 eligible net purchases on the Account Owner’s Card within 180 days (live official offer, 3 Sep 2026). About $750 only if redeemed at the official maximum 1¢ travel / USB-deposit path. Posts 1–2 billing cycles after qualifying.
Redemption value	1¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point	Official maximum applies to travel, Real-Time Rewards for travel purchases, and deposit into an eligible U.S. Bank account (treat as 1.0¢). Merchandise, gift cards, and statement credit may be worth less. Secondary: 0.8¢ cash if not depositing to a USB account (Doctor of Credit). Do not assume 1.0¢ on every path.
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)	No airline/hotel partners. Intra-USB only: to/from Business Altitude Power, personal Altitude Connect, personal Altitude Go — not Altitude Reserve. 20,000 points out and 20,000 in per calendar year. Both accounts in good standing. Transfers final.

Credit & Eligibility

Metric	Ink Business Unlimited® Credit Card	U.S. Bank Business Altitude® Connect Visa Signature® Card
Personal guarantee	Required — joint and several liability of authorizing officer and business	Required in practice for U.S. Bank small-business cards. Official product page does not print the clause — confirm in Cardmember Agreement.
Credit check	Hard pull on authorizing officer's personal credit (SSN required)	Hard inquiry on the personal credit report (official benefits-center FAQ). SSN/ITIN collected. Beneficial owners ≥25% identity-verified; USB says that will not affect their credit.
Employee cards	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	$0 additional AF. Identity check only (issuer says no credit impact). Spend controls via Spend Management. Liability remains on the business account / guarantor.
Product type	Revolving business credit card	Revolving business credit card (preset limit; ExtendPay installment option on eligible purchases)

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

U.S. Bank Business Altitude® Connect Visa Signature® Card

Pros

• Live welcome bonus 75,000 points / $6,000 / 180 days on the owner card (official, Sep 2026)
• 4X on a wide travel definition plus gas/EV through $150,000 combined — broad for a sub-$100-AF business card
• $0 FTF and 4 Priority Pass visits after enrollment
• $0 employee-card AF and Spend Management controls
• Points can be pooled and moved (capped) to personal Altitude Go / Connect or Business Power

Cons

• $95 AF after year 1 with thin automatic credits
• No airline/hotel transfer partners; max value is issuer travel / USB deposit
• No 0% intro APR; employee spend excluded from the bonus hurdle
• Gas 4X excludes wholesale clubs and supercenters including Walmart/Target
• Public Schumer box is application-gated; insurance dollar caps are not in marketing copy

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.

U.S. Bank Business Altitude® Connect Visa Signature® Card

Business Altitude Connect is the $95 (year-1 $0) travel sleeve — not consumer Altitude Connect (TSA credit, 0% intro, quarterly gas cap) and not Ink Preferred (transferable UR). 4X travel+gas to $150k plus 4 Priority Pass visits is the reason to pick it. Ads, shipping, Costco gas, and transferable-points collectors should skip it. Year 2 needs real 4X volume or the $95 fee loses to a $0 1.5–2% flat.