CNET’S PICK
Intro Provide
Earn $900 bonus money again
Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening.
Score Breakdown
3.5
We price bank cards utilizing our enterprise methodology for playing cards tailor-made to enterprise homeowners. We rank enterprise playing cards based mostly on incomes energy, the worth you get weighed in opposition to the price, the cardboard advantages and their charges and charges. Bank card issuers haven’t any say or affect in our scores. How we price bank cards
- Intro Steadiness Switch APR
- N/A
- Intro Buy APR
- 0% Intro APR on Purchases for 12 Months
- Common APR
- 18.49% – 24.49% Variable
- Steadiness Switch Price
- Both $5 or 5% of the quantity of every switch, whichever is larger.
1.5%
Earn limitless 1.5% money again on each buy made for your enterprise
Score Breakdown
3.5
We price bank cards utilizing our enterprise methodology for playing cards tailor-made to enterprise homeowners. We rank enterprise playing cards based mostly on incomes energy, the worth you get weighed in opposition to the price, the cardboard advantages and their charges and charges. Bank card issuers haven’t any say or affect in our scores. How we price bank cards
- Intro Steadiness Switch APR
- N/A
- Intro Buy APR
- 0% Intro APR on Purchases for 12 Months
- Common APR
- 18.49% – 24.49% Variable
- Steadiness Switch Price
- Both $5 or 5% of the quantity of every switch, whichever is larger.
1.5%
Earn limitless 1.5% money again on each buy made for your enterprise
Our take
In the event you’re on the lookout for a small enterprise card that provides flat-rate rewards on all your enterprise spending, the Ink Enterprise Limitless® Credit score Card is among the greatest choices available on the market as we speak. Not solely does it provide a flat price of 1.5% money again on all purchases made, however the welcome provide is substantial. New cardholders can earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening.
The Ink Enterprise Limitless® Credit score Card additionally comes with an introductory price provide that may be helpful for small enterprise homeowners who wish to spend money on their enterprise or carry short-term debt for strategic functions. Particularly, cardholders get an introductory 0% APR on purchases for 12 months (then 18.49% to 24.49% variable).
The cardboard additionally earns versatile rewards. You possibly can money them in for assertion credit, present playing cards, merchandise, journey by Chase and extra. You probably have one in every of Chase’s premium Final Rewards playing cards — the Chase Sapphire Most well-liked® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most well-liked® Credit score Card — you will get much more worth by consolidating your factors out of your Ink Enterprise Limitless to one of many above playing cards and profiting from lodge and airline switch companions.
In abstract, the Ink Enterprise Limitless® Credit score Card is an effective enterprise card possibility for entrepreneurs and enterprise homeowners who wish to maintain their rewards easy and have a lot of flexibility relating to how they will money of their factors.
Professionals and cons
Professionals
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Earn 1.5% money again on all spending
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No annual price required
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Introductory APR provide on purchases
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Free worker playing cards
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Factors will be pooled with different Final Rewards-earning playing cards (each private and enterprise), such because the Sapphire playing cards or the Ink Enterprise Most well-liked, to benefit from further redemption choices like switch companions.
Cons
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Excessive APR for spending after the introductory provide ends
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Rewards don’t switch to Chase airline and lodge companions like they do with the Ink Enterprise Most well-liked® Credit score Card from Chase, except you even have a premium card with journey companions.
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Overseas transaction price
| Tip: When you can’t switch money again earned with the Ink Enterprise Limitless® Credit score Card to Chase airline and lodge companions by itself, you may consolidate these rewards in a Chase journey card account and switch them that method. To do that, you or one of many family members you wish to consolidate with should have the Chase Sapphire Most well-liked® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most well-liked. |
Who this card is greatest for
Whereas the Ink Enterprise Limitless® Credit score Card can work for a wide range of small enterprise homeowners, it’s greatest for sure kinds of spenders.
- Enterprise homeowners who don’t wish to pay an annual price for a bank card: The Ink Enterprise Limitless is an effective alternative for small companies that wish to maintain additional charges (particularly bank card charges) at a minimal.
- Small companies who may benefit from a 0% introductory APR provide on purchases: Whereas the introductory price on purchases for this card solely lasts for 12 months from account opening (then 18.49% to 24.49% variable), it might show helpful for enterprise homeowners who must make an funding of their firm and pay down their steadiness over time.
- Those that like versatile rewards: With so some ways to redeem and consolidate rewards from this card, there’s actually no strategy to get “caught” with rewards you can not use.
Who this card isn’t greatest for
Whereas it’s laborious to complain an excessive amount of concerning the Ink Enterprise Limitless® Credit score Card, many enterprise homeowners could be higher off with a unique bank card altogether.
- Enterprise homeowners who wish to redeem rewards for journey: If you would like a enterprise bank card that earns versatile journey rewards that switch to airways and accommodations, this card isn’t one of the best decide by itself. In the event you even have a Sapphire card or an Ink Enterprise Most well-liked which you can switch your factors to, this card turns into an effective way to earn journey rewards.
- Small enterprise homeowners who need journey perks: Whereas the Ink Enterprise Limitless® Credit score Card does include a handful of cardholder advantages, together with major auto rental collision harm waiver whenever you lease a automobile for enterprise functions, it doesn’t provide different journey perks like airport lounge entry or annual journey credit.
- Those that journey internationally: In the event you journey abroad for enterprise functions, you’d be higher off with a enterprise bank card that doesn’t cost overseas transaction charges.
A better have a look at the Ink Enterprise Limitless® Credit score Card
- Rewards price: Earn limitless 1.5% money again on each buy made for your enterprise
- Welcome provide: Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening.
- Annual price: $0
- Buy intro APR: 0% Intro APR on Purchases for 12 Months
- Common APR: 18.49% – 24.49% Variable
Welcome provide and rewards
The Ink Enterprise Limitless® Credit score Card provides a flat price of 1.5% money again on all purchases, and new cardholders can earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening. Relying on how a lot your enterprise spends, $6,000 must be pretty straightforward to achieve.
Introductory APR provide
Get pleasure from 0% introductory APR on purchases for the primary 12 months after account opening, adopted by a variable APR of 18.49% to 24.49%. In the event you plan to finance a big, deliberate buy, divide the acquisition quantity by 12 to determine how a lot that you must pay month-to-month to pay it down earlier than the introductory interval ends.
Charges
The Ink Enterprise Limitless® Credit score Card doesn’t cost an annual price, nevertheless it does cost a 3% overseas transaction price for those who use it for purchases overseas. Different notable charges embrace a 5% (minimal $5) steadiness switch price, a 5% (minimal $15) money advance price, a $40 late fee price and a $40 returned fee price.
Notable enterprise perks
Not solely does the Ink Enterprise Limitless® Credit score Card provide free worker playing cards, nevertheless it comes with expense-tracking instruments that may make operating a enterprise simpler. Different advantages embrace major auto rental collision harm waiver when renting a automobile for enterprise functions, journey and emergency help providers, roadside dispatch, buy safety and prolonged warranties on eligible gadgets.
Main rental automobile insurance coverage — which means it takes impact earlier than another insurance coverage you might have — is comparatively uncommon on a card, particularly one with out an annual price.
Different playing cards
In the event you nonetheless can’t determine whether or not the Ink Enterprise Limitless® Credit score Card is best for you, think about a couple of well-liked various playing cards from Chase.
Ink Enterprise Money® Credit score Card
The Chase Ink Enterprise Money Credit score Card additionally comes with no annual price, nevertheless it provides a tiered rewards construction with bonus classes as an alternative of flat-rate money again. Particularly, cardholders can earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary 12 months (then 1% again), 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary 12 months (then 1% again) and 1% again on all different purchases. New clients may earn $350 after spending $3,000 on purchases within the first three months and a further $400 after spending $6,000 on purchases within the first six months after account opening.
This card additionally comes with a 0% introductory APR for purchases for 12 months from account opening, adopted by a variable APR of 18.49% to 24.49%. Rewards can be utilized for a similar redemption choices because the Ink Enterprise Limitless, together with assertion credit, present playing cards, merchandise, journey by Chase and extra. The cardboard additionally has most of the identical shopper and journey protections because the Ink Enterprise Limitless.
Ink Enterprise Most well-liked® Credit score Card
The Chase Ink Enterprise Most well-liked is an effective alternative for enterprise homeowners who journey and wish the possibility to redeem their rewards for premium journey redemptions. Not solely can cardholders money in factors for assertion credit, present playing cards and journey by the Chase portal (with a 25% redemption bonus), however they will switch their factors to Chase airline and lodge companions.
This card has a $95 annual price, and cardholders can earn 90,000 factors value $1,125 in journey by Chase Journey℠ after spending $8,000 on purchases inside three months of account opening.
Cardholders earn 3X factors per greenback spent on journey, transport purchases, promoting purchases made with social media websites and search engines like google and yahoo and web, cable and cellphone providers (on the primary $150,000 spent in mixed purchases every account anniversary 12 months, adopted by 1X factors). All different purchases earn 1X level for every greenback spent.
How Ink Enterprise Limitless® Credit score Card compares to different playing cards
CNET’S PICK
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Intro Provide -
Earn $900 bonus money again
Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening.
- Annual price
- $0
- APR
- 18.49% – 24.49% Variable
- Intro Buy APR
- 0% Intro APR on Purchases for 12 Months
- Beneficial Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
- Good – Wonderful
- Rewards price
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1.5%
Earn limitless 1.5% money again on each buy made for your enterprise
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Intro Provide -
Earn as much as $750 bonus money again
Earn $350 whenever you spend $3,000 on purchases within the first three months and a further $400 whenever you spend $6,000 on purchases within the first six months after account opening.
- Annual price
- $0
- APR
- 18.49% – 24.49% Variable
- Intro Buy APR
- 0% Intro APR on Purchases for 12 months
- Beneficial Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
- Good – Wonderful
- Rewards price
-
1%
– 5%
Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary 12 months; Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary 12 months; Earn 1% money again on all different card purchases with no restrict to the quantity you may earn
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Intro Provide -
Earn 90,000 bonus factors
Earn 90,000 bonus factors after you spend $8,000 on purchases within the first 3 months from account opening.
- Annual price
- $95
- APR
- 21.24% – 26.24% Variable
- Intro Buy APR
- N/A
- Beneficial Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.
- Good – Wonderful
- Rewards price
-
1x
– 3x
Earn 3 factors per $1 on the primary $150,000 spent on journey and choose enterprise classes every account anniversary 12 months; Earn 1 level per $1 on all different purchases–with no restrict to the quantity you may earn
The underside line
On the finish of the day, the Ink Enterprise Limitless® Credit score Card is difficult to beat if you wish to earn a aggressive flat-rate money again price with out paying an annual price. The intro APR for purchases is icing on the cake, and the very fact you may redeem your rewards a number of methods makes this card extra versatile than most.
That mentioned, you could wish to think about different enterprise bank cards based mostly on the way in which your enterprise spends, your want for journey perks or different elements. The fitting enterprise card for you is certainly on the market, however you could must do some digging to search out it.
FAQs
Whereas Chase doesn’t publish minimal credit score rating necessities for its card merchandise, you sometimes want good to wonderful credit score to qualify. This sometimes means having a FICO rating of 670 or above.
In the event you solely have the Ink Enterprise Limitless card, you may’t switch your factors to journey companions straight. However for those who or somebody residing in your family (that you just wish to consolidate factors with) has the Chase Sapphire Most well-liked® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most well-liked, you may consolidate your factors out of your Ink Enterprise Limitless onto one of many above playing cards after which benefit from these playing cards’ switch companions.
The Ink Enterprise Limitless® Credit score Card comes with major auto rental protection that applies whenever you lease a automobile for enterprise functions, journey and emergency help providers, roadside dispatch, buy safety and prolonged warranties on eligible gadgets. The advantages are appreciable for a no-annual-fee card, however you received’t discover premium perks like airport lounge entry or airline price credit.
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