Ink Business Unlimited® Credit Card
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As a small business owner, choosing the right credit card can significantly streamline expense management and enhance cash flow. One strong contender is the Chase Ink Business Unlimited Credit Card. Let’s explore its features and benefits to see how it can support your business.
Key Features
Unlimited Cash Back
1.5% Cash Back: Earn unlimited 1.5% cash back on every purchase, with no spending limits.
0% Intro APR
Benefit from a 0% introductory APR on purchases for the first 12 months. After this period, a variable APR of 17.74% - 23.74% applies.
Application Requirements:
Gross Annual Income: Must report total gross annual income, which includes income from all sources.
Legal Business Structure: Can apply as an LLC, Partnership, or Sole Proprietorship.
Business Category: Must select a business category that closely matches your business type.
Estimated Monthly Spend: Must provide an estimated monthly spend amount for the business.
Additional Information:
5/24 Rule: Chase will not approve you for most of its cards if you have opened 5 or more personal credit cards (from any issuer) within the last 24 months.
Minimum Credit Line: If approved, the minimum credit line is $1,100.
Adding Employee Cards: Option to add employee cards at no additional cost.
Paperless Statements: Option to enroll in paperless statements for convenience and environmental benefits.
Purchase Protection
New purchases are covered for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection
Extend U.S. manufacturer’s warranties by an additional year on eligible warranties of three years or less.
My Opinion
The Chase Ink Business Unlimited Credit Card is an excellent choice for small business owners seeking a straightforward rewards structure. The unlimited 1.5% cash back on all purchases makes it particularly appealing for businesses with varied spending.
Overall, it’s a strong option for businesses looking to optimize their spending and reward potential.
