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 fee 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 towards the fee, the cardboard advantages and their charges and charges. Bank card issuers haven’t any say or affect in our scores. How we fee 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 corporation
Score Breakdown
3.5
We fee 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 towards the fee, the cardboard advantages and their charges and charges. Bank card issuers haven’t any say or affect in our scores. How we fee 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 corporation
Our take
If you happen to’re searching for a small enterprise card that provides flat-rate rewards on all your corporation spending, the Ink Enterprise Limitless® Credit score Card is among the greatest choices available on the market right this moment. Not solely does it supply a flat fee of 1.5% money again on all purchases made, however the welcome supply 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 fee supply that may be helpful for small enterprise homeowners who need 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. In case you have one among Chase’s premium Final Rewards playing cards — the Chase Sapphire Most popular® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular® 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 choice for entrepreneurs and enterprise homeowners who need to hold their rewards easy and have numerous flexibility in the case of 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 charge required
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Introductory APR supply on purchases
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Free worker playing cards
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Factors could be pooled with different Final Rewards-earning playing cards (each private and enterprise), such because the Sapphire playing cards or the Ink Enterprise Most popular, to make the most of extra redemption choices like switch companions.
Cons
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Excessive APR for spending after the introductory supply ends
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Rewards don’t switch to Chase airline and lodge companions like they do with the Ink Enterprise Most popular® Credit score Card from Chase, except you even have a premium card with journey companions.
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International transaction charge
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’ll be able to 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 need to consolidate with should have the Chase Sapphire Most popular® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular. |
Who this card is greatest for
Whereas the Ink Enterprise Limitless® Credit score Card can work for quite a lot of small enterprise homeowners, it’s greatest for sure forms of spenders.
- Enterprise homeowners who don’t need to pay an annual charge for a bank card: The Ink Enterprise Limitless is an effective alternative for small companies that need to hold further charges (particularly bank card charges) at a minimal.
- Small companies who may gain advantage from a 0% introductory APR supply on purchases: Whereas the introductory fee on purchases for this card solely lasts for 12 months from account opening (then 18.49% to 24.49% variable), it may show helpful for enterprise homeowners who must make an funding of their firm and pay down their stability over time.
- Those that like versatile rewards: With so some ways to redeem and consolidate rewards from this card, there’s actually no technique to get “caught” with rewards you can’t 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 can be higher off with a unique bank card altogether.
- Enterprise homeowners who need to redeem rewards for journey: If you would like a enterprise bank card that earns versatile journey rewards that switch to airways and inns, this card isn’t the most effective decide by itself. If you happen to even have a Sapphire card or an Ink Enterprise Most popular 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 main auto rental collision injury waiver once you lease a automotive for enterprise functions, it doesn’t supply different journey perks like airport lounge entry or annual journey credit.
- Those that journey internationally: If you happen to journey abroad for enterprise functions, you’ll be higher off with a enterprise bank card that doesn’t cost international transaction charges.
A more in-depth have a look at the Ink Enterprise Limitless® Credit score Card
- Rewards fee: Earn limitless 1.5% money again on each buy made for your corporation
- Welcome supply: Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening.
- Annual charge: $0
- Buy intro APR: 0% Intro APR on Purchases for 12 Months
- Common APR: 18.49% – 24.49% Variable
Welcome supply and rewards
The Ink Enterprise Limitless® Credit score Card gives a flat fee 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 corporation spends, $6,000 needs to be pretty simple to succeed in.
Introductory APR supply
Take pleasure in 0% introductory APR on purchases for the primary 12 months after account opening, adopted by a variable APR of 18.49% to 24.49%. If you happen to plan to finance a big, deliberate buy, divide the acquisition quantity by 12 to determine how a lot you have to 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 charge, but it surely does cost a 3% international transaction charge should you use it for purchases overseas. Different notable charges embody a 5% (minimal $5) stability switch charge, a 5% (minimal $15) money advance charge, a $40 late cost charge and a $40 returned cost charge.
Notable enterprise perks
Not solely does the Ink Enterprise Limitless® Credit score Card supply free worker playing cards, but it surely comes with expense-tracking instruments that may make operating a enterprise simpler. Different advantages embody main auto rental collision injury waiver when renting a automotive for enterprise functions, journey and emergency help companies, roadside dispatch, buy safety and prolonged warranties on eligible objects.
Main rental automotive insurance coverage — that means it takes impact earlier than some other insurance coverage you will have — is comparatively uncommon on a card, particularly one with out an annual charge.
Different playing cards
If you happen to nonetheless can’t resolve whether or not the Ink Enterprise Limitless® Credit score Card is best for you, think about a number of standard various playing cards from Chase.
Ink Enterprise Money® Credit score Card
The Chase Ink Enterprise Money Credit score Card additionally comes with no annual charge, but it surely gives a tiered rewards construction with bonus classes as a substitute 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 companies every account anniversary yr (then 1% again), 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account anniversary yr (then 1% again) and 1% again on all different purchases. New clients can even 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 popular® Credit score Card
The Chase Ink Enterprise Most popular is an effective alternative for enterprise homeowners who journey and wish the prospect 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 charge, 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 web, cable and cellphone companies (on the primary $150,000 spent in mixed purchases every account anniversary yr, 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
The underside line
On the finish of the day, the Ink Enterprise Limitless® Credit score Card is tough to beat if you wish to earn a aggressive flat-rate money again fee with out paying an annual charge. The intro APR for purchases is icing on the cake, and the actual fact you’ll be able to redeem your rewards a number of methods makes this card extra versatile than most.
That mentioned, it’s possible you’ll need to think about different enterprise bank cards based mostly on the best way your corporation spends, your want for journey perks or different elements. The correct enterprise card for you is unquestionably on the market, however it’s possible you’ll must do some digging to seek out it.
FAQs
Whereas Chase doesn’t publish minimal credit score rating necessities for its card merchandise, you usually want good to glorious credit score to qualify. This usually means having a FICO rating of 670 or above.
If you happen to solely have the Ink Enterprise Limitless card, you’ll be able to’t switch your factors to journey companions instantly. However should you or somebody residing in your family (that you just need to consolidate factors with) has the Chase Sapphire Most popular® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular, you’ll be able to consolidate your factors out of your Ink Enterprise Limitless onto one of many above playing cards after which make the most of these playing cards’ switch companions.
The Ink Enterprise Limitless® Credit score Card comes with main auto rental protection that applies once you lease a automotive for enterprise functions, journey and emergency help companies, roadside dispatch, buy safety and prolonged warranties on eligible objects. The advantages are appreciable for a no-annual-fee card, however you received’t discover premium perks like airport lounge entry or airline charge credit.
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