Ink Business Unlimited® Credit Card Review

The Ink Business Unlimited® Credit Card offers a straightforward, uncomplicated rewards structure with an unlimited 1.5% cash back on every purchase made for your business. This is ideal for small businesses with varied spending patterns, eliminating the need to track specific bonus categories. Small business owners can concentrate on their core business operations while knowing every dollar they spend contributes to their cash back earnings.

This card incentivizes new customers with a substantial welcome offer — earn $900 after spending $6,000 within the first three months. This is a significant cash injection into your business, equivalent to an impressive 12.5% cash back on your initial spending. It's an exceptional opportunity for companies planning to make large purchases or investments soon after acquiring the card.

This card does not carry an annual fee, making it a cost-effective choice for small businesses. It's an excellent perk that enhances the return on investment, particularly for businesses just starting out or not yet spending enough to justify a fee-based card.

The card offers an introductory APR on purchases for the first 12 months, which could provide valuable breathing room for businesses with big-ticket purchases planned. However, it's crucial to note that the regular APR kicks in after this period, between 17.99% - 23.99%. You should aim to clear your balance before this period ends to avoid hefty interest payments.

One drawback of this card is its 3% foreign transaction fee, which may make it less appealing for international use. If you or your employees frequently travel or make purchases abroad, these fees could quickly add up. While this is not an uncommon fee among business credit cards, companies with significant international operations may want to consider other cards designed for overseas use.