Chase Ink Enterprise Limitless overview
The Ink Enterprise Limitless® Credit score Card (see charges and costs) is among the greatest enterprise playing cards with no annual charge as a result of it earns 1.5% again on each buy. That money again might be became worthwhile Chase Final Rewards factors when paired with an eligible Chase card. Card Ranking*: ⭐⭐⭐⭐
*Card Ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Limitless is a small-business card that carefully mirrors the favored Chase Freedom Limitless® (see charges and costs). The Ink Enterprise Limitless doesn’t cost an annual charge, and its easy reward construction is extra worthwhile than it appears to be like at first look.
Though there are different playing cards that earn 1.5% money again (or extra), when paired with an Final Rewards incomes card, the Ink Enterprise Limitless card lets you convert money again to Chase Final Rewards factors. This implies you possibly can mix Chase factors out of your separate card accounts and switch them to the Final Rewards program’s varied airline and lodge companions.
Whereas not everyone seems to be eligible for a enterprise bank card, it could be simpler to be authorized than you suppose, supplied you might have a “good to glorious” credit score rating of 670 or above, as a result of freelancing and different sole-proprietor enterprises can rely as a enterprise within the eyes of Chase and lots of different issuers.
Let’s dive into the small print.
Ink Enterprise Limitless professionals and cons
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Ink Enterprise Limitless welcome supply
New Ink Enterprise Limitless cardholders earn a $900 money again bonus after spending $6,000 on purchases throughout the first three months from account opening.
This limited-time supply matches the very best supply we noticed on the cardboard from September to November 2024.
You may redeem the welcome bonus as money again, reward playing cards or journey booked by way of Chase Journey℠.
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Nevertheless, you possibly can greater than double your return (probably) if you happen to pair the Ink Enterprise Limitless with a card that earns transferable Final Rewards factors, such because the Chase Sapphire Most popular® Card (see charges and costs).
In keeping with TPG’s September 2025 valuations, these 90,000 Final Rewards factors are price $1,845.
That is a strong haul on a card that costs no annual charge.
Associated: One of the best welcome affords this month
Ink Enterprise Limitless advantages
You get what you pay for on the subject of advantages, so it is no shock that the Ink Enterprise Limitless would not supply as many perks as different playing cards with increased annual charges.
Its advantages are equivalent to these provided by the Ink Enterprise Money® Credit score Card (see charges and costs), however they are not fairly pretty much as good because the perks provided on the Ink Enterprise Most popular® Credit score Card. Most notably, you’ll not get cellphone safety or journey cancellation/interruption insurance coverage.
The data for the Ink Enterprise Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Here is a fast rundown of what is included:
- Buy safety: This covers new purchases for as much as 120 days towards harm or theft, as much as $10,000 per declare and $50,000 per account.
- Auto rental collision harm waiver: When renting a automotive for enterprise functions utilizing the Ink Enterprise Limitless, you possibly can decline the rental automotive firm’s collision insurance coverage and be lined by the cardboard as much as the automobile’s money worth within the case of theft or collision harm. That is legitimate on most leases within the U.S. and overseas, and protection is main, which implies it applies earlier than your personal automotive insurance coverage coverage.
- Prolonged guarantee: This extends a U.S. producer’s guarantee interval by a further 12 months on eligible warranties of three years or much less.
- Worker playing cards at no further value: If workers are allowed to make use of the account, they are going to be licensed customers and may have equal charging privileges until you identify particular person spending limits.
Incomes rewards on the Ink Enterprise Limitless
The Ink Enterprise Limitless earns 1.5% money again on all purchases utilizing a simple rewards construction that doesn’t require interested by rotating or bonus classes. This represents each the fantastic thing about this card and its potential draw back.
For instance, if you happen to purchase airfare with this card, you could possibly be forgoing rewards of as much as 8 factors per greenback spent {that a} card just like the Chase Sapphire Reserve® (see charges and costs) affords when reserving by way of Chase Journey.
The identical goes for paying for workplace provides or web service. The Ink Enterprise Money earns 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable, cellphone and landline providers every account anniversary 12 months (then 1% thereafter).
It additionally earns 2% again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places annually. All different purchases earn 1% money again.
Watch out about solely evaluating this card based mostly on its cash-back worth. The limitless money again provided by this card will not provide the highest return amongst cash-back enterprise bank cards — if you happen to redeem for money, anyway.
Associated: Find out how to decide a method in your small-business bank cards
Redeeming rewards on the Ink Enterprise Limitless
There are a couple of key methods to redeem your rewards: money again, reward playing cards, journey or items and providers provided by way of Chase’s rewards program.
If you happen to redeem for money, you possibly can obtain your cash as an announcement credit score or by way of an digital deposit into an eligible U.S. checking or financial savings account. Factors redeemed for money, reward playing cards or journey are price 1 cent apiece.
Transferring rewards with the Ink Enterprise Limitless
You may increase your redemption fee to an efficient return of over 3% (based mostly on TPG’s September 2025 valuations) on all spending if you happen to transfer your factors to a full-fledged Final Rewards private or enterprise card, similar to:
The opposite card have to be registered to you, the proprietor of the corporate or a member of your family to qualify for a switch.
The Ink Enterprise Limitless can signify an unimaginable worth proposition when partnered with any of those different playing cards. As soon as you progress factors to an account that earns Final Rewards factors, you possibly can switch them to worthwhile airline and lodge companions or ebook journey straight by way of Chase Journey and obtain a flat worth in your factors, depending on the precise redemption. See your rewards program settlement for full particulars.
TPG bank card author Danyal Ahmed holds each the Ink Enterprise Limitless and the Sapphire Reserve and at all times combines his factors to switch them to an airline. He just lately transferred 75,000 factors to Air Canada Aeroplan to ebook multicity business-class tickets for his total household from London to Istanbul after which onward to Zurich.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
What playing cards compete with the Ink Enterprise Limitless?
The Ink Enterprise Limitless‘s rivals are playing cards that provide an analogous return on all spending. Enterprise bank cards that provide fixed-rate rewards embrace:
Associated: How to decide on the very best bank card for your corporation bills
Is the Ink Enterprise Limitless price it?
The Ink Enterprise Limitless is a worthwhile possibility for on a regular basis spending if you happen to pair it with the fitting card. Holding a premium Chase card just like the Chase Sapphire Reserve also can maximize your corporation bank card rewards. Nevertheless, be careful for Chase’s 5/24 restrictions.
Backside line
The Ink Enterprise Limitless might be worthwhile in maximizing your rewards from enterprise spending.
One benefit to opening Chase enterprise bank cards is that they will not add to your Chase 5/24 rely as soon as they’re open, regardless that making use of for them within the first place is topic to the rule. So, if you happen to qualify for enterprise bank cards, it is a good technique to use for a Chase enterprise card first, earlier than you apply for private bank cards with Chase or different banks, which is able to rely towards that 5/24 restrict.
This card affords an amazing return on on a regular basis spending, which might be supercharged when you have one other card incomes Chase Final Rewards factors.
Apply right here: Ink Enterprise Limitless
For charges and costs of the Blue Enterprise Plus card, click on right here.
