Chase Ink Business Unlimited

The Ink Business Unlimited is the business card for owners who would rather not think about their business card. Earning is a flat, uncapped 1.5% on everything, there are no categories to activate and no quarterly caps to watch, and the annual fee is $0. Chase asks for good to excellent personal credit, roughly 690 or higher, because cards like this are underwritten against the owner rather than the entity and typically carry a personal guarantee. You do need a business, though sole proprietors, contractors and side operations clear that bar more often than applicants expect. The published welcome offer is $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening. The flat 1.5% rate also earns $90 on $6,000 of eligible purchases. Reach the spending threshold through planned business expenses; extra purchases can erase the value of the bonus. There is no annual fee to earn back, and a 0% intro APR runs for 12 months on purchases, which turns the card into a short financing line for equipment or inventory. Treat that as a deadline rather than a gift. The published regular purchase APR is 16.99% to 24.99% variable APR. The sharper limitation is that the card does charge foreign transaction fees. Any business paying overseas suppliers, foreign-billed software or travel abroad should route that spend to a card without the surcharge, because a 1.5% return does not survive a currency conversion markup. Businesses with concentrated spending should look elsewhere first. If most of your outflow is advertising, telecom, shipping or travel, a card paying a higher multiplier in those categories will beat a flat 1.5% by a wide margin, and flat 2% business cards exist for owners willing to pay a fee. Skip it if you expect to revolve past the intro window, if you cannot clear $6,000 in three months without inventing purchases, or if a meaningful share of your spend is billed in another currency. For everyone else, an uncapped 1.5% at no annual cost with its $750 welcome offer is a reasonable default that asks nothing of you after setup.