Ink BusinessUnlimited® Credit Card It may be a wise choice for business owners who prefer a candid and nonsense approach Cashback reward. Not only is the ease of flat cashback attractive, but there is also the lack of card welcoming offers and annual fees. It’s worth seriously considering.
If you are a business owner who is interested in earning cashback when you buy, Ink Business UnlimitedBenefits for checking if this business credit card is right for you.
Benefits of the Ink Business Unlimited Rewards Program
Earn a flat rate of rewards
With Ink Business Unlimited you earn 1.5% cashback on every purchase (5% cashback on Lyft Rides until September 2027). It is considered a cashback credit card, but each dollar is officially making it Track the ultimate reward Because it’s points, you can actually earn 1.5 times more points for every dollar spent.
For example, spend $1,000 on your card to earn 1,500 points (1,000 x 1.5 points = 1,500 points).
The advantage of this reward structure is that you don’t have to worry about specific spending categories or CAPs for earning within a particular category. however Possibility of cashback It may not be as expensive as a business card with a bonus category, but the flat card cashback program makes it easy to track your revenue throughout the year.
Lots of redemption options
Ink Business Unlimited is truly shining Redemption options. Cardholders earn the ultimate reward points. This can be redeemed for cashback in the form of statement credits or direct deposits to US authorities or savings accounts.
Rewards can also be redeemed for travel through chases, gift cards, eligible products or services, or through the Chase Ultimate Rewards program, or with eligible third-party merchants such as the Apple Ultimate Rewards Store.
Points are each worth a base fee of 1 cent when redeemed for cash, gift cards, or travel. The redemption value of other options may vary. Using your card to purchase items worth $1,000, you earn 1,500 points. Also, if you redeem points for statement credits, the points are worth $15 (1,500 x 1 cent = $15).
However, what happens if I choose a redemption option that is less than 1 cent per point? Let’s say you redeem your rewards through Amazon or PayPal for 0.8 cents per point. In that case, 1,500 points is worth $12 (1,500 x 0.8 cents = $12). For better value, we recommend redeeming points for cashback, gift cards, or travel.
Another great feature is that there is no minimum amount needed for redemption. This means you can redeem your reward at any time.
Ink Business Unlimited Introduction Benefits
0% intro APR at the time of purchase
Provided by Ink Business Unlimited 0% intro APR When purchasing for 12 months. This is a great opportunity to pay off a massive purchase over time without paying additional interest fees. Please be careful at that time The introductory period is overa 17.49%-23.49% Variable The APR will be implemented.
A generous welcome offer
If you spend $6,000 within the first three months of opening an account, you will earn a $750 cashback bonus in the form of 75,000 ultimate reward points. $2,000 a month on purchase could be a higher threshold compared to other cards, but the $750 bonus is one of the more important things Welcome offer Available.
Ink Business Unlimited Business Benefits
There is no annual fee
Whether you start your own business or scale to grow, you probably have a lot of money to catch up. do not have Pay the annual fee With business credit cards, you will have one less cost to worry about throughout the year, especially considering the benefits that are included in your card.
Free employee card
Employee cards not only earn cashback when you purchase, but also They can also be held freely Every year. Employees can make their own purchases for business-related expenses and set spending limits if necessary.
Employee Account Alerts
If you decide to set purchase restrictions on your employee’s cards, you can sign up and receive account alerts from Chase. This will notify you via text if the cardholder reaches the spending limit.
The benefits of unlimited protection for your ink business
Purchase Protection
When you purchase an item with this card, the item will be Purchase Protection Up to 120 days (up to $10,000 per bill, $50,000 per account). This applies to eligible items that have been damaged or stolen.
Extended warranty coverage
You’ll get it too Extended warranty coverage (up to one year) Relevant to 3 years or less warranty from eligible US manufacturers.
Ink Business Unlimited Travel Benefit
Major car rental insurance
If you or your employee needs to rent a car for business purposes, Ink Business Unlimited will give you an additional layer of protection. When purchasing a rental car made with a card, major car rental insurance will receive it. Simply refusing compensation provided by the rental company will provide you with a refund of up to $60,000 for damages caused by theft or collision of most vehicles with MSRP of less than $125,000.
Roadside dispatch
Chase offers roadside assistance 24/7. This will help roadside needs, such as jump-starting your car, changing tires, and supplying fuel. Every time you use a roadside dispatch, your credit card will be charged a roadside service fee.
Travel and emergency services
If you are traveling and need emergency assistance, Chase offers services to help you find help, especially for legal or medical emergencies.
How to Maximize Ink Business Unlimited
There are several ways to maximize the benefits of an Ink Business Unlimited card. First, you can get a 0% intro APR when purchasing for 12 months (17.49%-23.49% Variable (After that, April). However, make sure you pay back your balance before the promotion period expires. In this way, you avoid paying interest fees for those purchases.
You can do it too Maximize cashback It is possible by using your card for as much business spending as possible. Using this card for everything from internet invoices to monthly cleaning services will earn you cashback on purchases you’d probably made for business anyway.
For example, if your usual monthly fee is $3,000 ($36,000 per year), you can earn $540 in cashback by the end of the year. Plus, using this monthly spend amount will allow you to earn a $750 welcome bonus in the first year you have a card (you will have to spend $6,000 within the first three months). In this example, it means that you can earn a total of $1,290 in first-year revenue as a new cardholder.
Another way to maximize the benefits of Ink Business Unlimited is to strategically pair it with other cards. Combine this business card with a Cashback Card Offering bonus categories or spin categories is one strategy. Another tactic is to pair it with a travel card that is not billed Foreign transaction fees (This card fee) 3% of each transaction is in US dollars) Especially if you or your employees frequently travel outside the US or buy with foreign currency vendors.
Conclusion
Each business has its own financial needs, and the benefits of Ink Business Unlimited may be suitable for business owners who prefer redemption flexibility. If ease of use and simplicity are what you crave as a business owner, the revenue and redemption options on this card can appeal to you.
Compare Ink Business with Unlimited Top Business Credit Cards Before you choose the right card that suits your business needs.
