The Ink Business Unlimited® Credit Card is built for small business owners who want simple rewards on everyday spending without tracking categories. It works best as a low-maintenance business card for general expenses, especially if you value flat-rate earnings and a $0 annual fee more than travel perks or bonus categories.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Everyday business purchases
Flat-rate rewards
No annual fee business card
Yes, for the right business owner. If you want one card that earns a steady return on nearly everything and does not charge an annual fee, this is an easy card to keep and use. It fits businesses with varied spending, especially when purchases do not line up neatly with common bonus categories like office supply stores, shipping, or travel.
Its limits are straightforward too. A flat 1.5% back is solid, but not especially strong if you are willing to manage category cards or want higher value from travel rewards. The 3% foreign transaction fee also makes it a poor choice for international spending. This card makes the most sense for domestic business use, simple bookkeeping, and owners who want reliable rewards without extra complexity.
This is a strong fit for business owners who want uncomplicated rewards and a $0 annual fee. Its main weakness is that the return is steady rather than standout, and the foreign transaction fee makes it less useful abroad.
Welcome Offer
after you spend $8,000 on purchases in the first 4 months from account opening.
Est. Value
$750
Required Spend
$8,000
Time Frame
4 Months
Est. Value
$750
Required Spend
$8,000
Time Frame
4 Months
Earning
The rewards setup here is simple: you earn the same 1.5% back on every purchase, so there is no need to track rotating or bonus categories. That makes this card easiest to judge based on how much non-bonus business spending you put on it each month.
Business Purchases
Rewards percent based on a valuation of 1.25¢ per Ultimate Rewards point
Annual Credits & Perks
The benefits are not flashy, but they add practical value for business use. The most useful features are purchase and travel protections, plus the Instacart membership and monthly credits if your business already uses the service.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Up to $240 in Instacart creditsBenefits
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Extended Warranty Protection
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Benefits
Complimentary Instacart+ Membership
Get three months of $0 delivery fees on groceries and more with a complimentary Instacart+ membership through 12/31/27.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
16.74% - 24.74%
Variable
Transfer APR
16.74% - 24.74%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$15
Late Payment
None
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,250
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
