Chase Ink Business Unlimited Requirements: Credit Score & Income Guide
The Chase Ink Business Unlimited from Chase is one of the most competitive credit cards in the business credit cards category. With a rating of 8/10, it offers no annual fee and impressive rewards including 1.5% unlimited.
In this comprehensive review, we break down everything you need to know about the Chase Ink Business Unlimited: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Chase Ink Business Unlimited Overview
The Chase Ink Business Unlimited is issued by Chase and is designed for consumers with Good-Excellent (670+). It carries a rating of 8/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | Chase |
| Annual Fee | $0 |
| Intro APR | 0% for 12 months |
| Regular APR | 17.24% - 23.24% Variable |
| Rewards | 1.5% unlimited |
| Welcome Bonus | $750 after $7,500 in first 3 months |
| Credit Score | Good-Excellent (670+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The Chase Ink Business Unlimited earns 1.5% unlimited. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 1.5% unlimited |
| Welcome Bonus | $750 after $7,500 in first 3 months |
| Intro APR | 0% for 12 months |
| Credit Score | Good-Excellent (670+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 17.24% - 23.24% Variable |
| Balance Transfer APR | 0% for 12 months then 17.24% - 23.24% Variable |
| Foreign Transaction Fee | 0% |
Chase Ink Business Unlimited vs Competitors
See how Chase Ink Business Unlimited stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| Capital One Spark Miles | $0 | 2x miles unlimited | $500 bonus after $5,000 in first 3 mo... | 7/10 |
| Capital One Spark Classic | $0 | 1% unlimited | N/A | 6/10 |
| Chase Ink Business Preferred | $95 | 3x travel/shipping/online/cable/phone, 1x else | 100,000 points after $8,000 in first ... | 9/10 |
| Chase Ink Business Cash | $0 | 5x office supplies/phone/internet, 2x gas | $750 bonus after $7,500 in first 3 mo... | 8/10 |
| American Express Business Gold | $295 | 4x top 2 categories, 1x else | 70,000 points after $10,000 in first ... | 7/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 1.5% unlimited
- Welcome bonus: $750 after $7,500 in first 3 months
- No annual fee
- No foreign transaction fees
- Generous intro APR: 0% for 12 months
❌ Cons
- Limited bonus categories
- May not suit heavy travelers
The Chase Ink Business Unlimited is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (670+) credit and spend $809/month on average, this card could earn you significant value.
How to Apply for Chase Ink Business Unlimited
Applying for the Chase Ink Business Unlimited is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (670+) for the best approval odds.
- 2
Compare Your Options
Compare the Chase Ink Business Unlimited with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit Chase.com or the Chase mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (670+) credit to be approved for the Chase Ink Business Unlimited. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely. Plus, the welcome bonus alone covers the first year's value.
The purchase APR is 17.24% - 23.24% Variable. There is an introductory APR of 0% for 12 months.
No, the Chase Ink Business Unlimited does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your Chase online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Chase Ink Business Unlimited is a solid choice in the business credit cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (670+) credit looking for cash back on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Chase Ink Business Unlimited earns 1.5% unlimited. With a rating of 8/10, it is one of the better options in the business credit cards space. Recommended for consumers with Good-Excellent (670+) credit.