Ink Business Unlimited Credit Card

Use the Ink Business Unlimited as the flat-rate floor for business spending that doesn't fall into a bonus category: 1.5% on everything, no caps, no annual fee, plus a 12-month 0% intro APR on purchases that's handy for financing startup costs. On its own the cash back isn't transferable, so the trick is pairing it with an Ink Preferred or a Sapphire to convert that 1.5% into transferable points. There's a 3% foreign fee, so it's a poor travel companion, and it's subject to 5/24. Pair it with a 5%-category card like the Ink Cash and you've covered most spending; confirm the bonus on Chase's site.

Ink Business Unlimited Credit Card at a glance

Rewards & perks

• A flat 1.5% on every purchase with no spending caps
• Pair it with a premium Chase card to turn the cash back into transferable points
• Employee cards come at no cost

Pros

• Carries no yearly fee
• Straightforward flat-rate earning
• A 0% intro APR on purchases

Cons

• Tacks on a 3% fee for foreign transactions
• You need a business to qualify
• Falls under the Chase 5/24 rule

Who should apply

• A real business or side gig qualifies, sole proprietors included
• Personal credit in the good-to-excellent range
• Falls under the Chase 5/24 rule

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Chase site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.