Chase Ink Enterprise Limitless overview
*Card Score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Limitless Credit score Card is a small-business card that carefully mirrors the favored Chase Freedom Limitless® (see charges and costs). There isn’t any annual charge, and its easy reward construction is extra precious than it appears at first look.
Though different playing cards earn 1.5% money again (or extra), the Ink Enterprise Limitless card permits you to earn money again within the type of Chase Final Rewards factors. These Chase factors can develop into considerably extra precious if you happen to even have a premium Final Rewards card. That is as a result of you possibly can mix Chase factors out of your accounts and switch them to the Final Rewards program’s varied airline and lodge companions.
The Ink Enterprise Limitless is a enterprise bank card. As such, it’s tailor-made to these with small companies.
Whereas not everyone seems to be eligible for a enterprise bank card, it could be simpler to be permitted than you assume, supplied you might have a “good to wonderful” credit score rating of 670 or above, as a result of freelancing and different sole-proprietor enterprises can depend as a enterprise within the eyes of Chase and plenty of different issuers.
Let’s dive into the small print.
Ink Enterprise Limitless professionals and cons
| Professionals | Cons |
|---|---|
|
|
Ink Enterprise Limitless welcome provide
You may redeem the money again at a fee of 1 cent every as money again, reward playing cards or journey booked by way of Chase Journey℠.
Each day E-newsletter
Reward your inbox with the TPG Each day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
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 accordance with TPG’s June 2025 valuations, these 75,000 Final Rewards factors are value as much as $1,538.
That is a stable haul on a card that costs no annual charge.
Associated: The most effective welcome presents this month
Ink Enterprise Limitless advantages
You get what you pay for with regards to advantages, so it is no shock that the Ink Enterprise Limitless does not provide as many perks as different playing cards with larger annual charges. Its advantages are similar to these provided by the Ink Enterprise Money® Credit score Card (see charges and costs), however they don’t seem to be fairly pretty much as good because the perks provided on the Ink Enterprise Most popular® Credit score Card (see charges and costs). Most notably, you’ll not get cellphone safety or journey cancellation/interruption insurance coverage.
This is a fast rundown of what is included:
- Buy safety: This covers new purchases for as much as 120 days towards injury or theft, as much as $10,000 per declare and $50,000 per account.
- Auto rental collision injury 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 coated by the cardboard as much as the automobile’s money worth within the case of theft or collision injury. That is legitimate on most leases within the U.S. and overseas, and protection is major, 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 yr on eligible warranties of three years or much less.
- Worker playing cards at no extra price: If staff are allowed to make use of the account, they are going to be licensed customers and can have equal charging privileges until you identify particular person spending limits.
Incomes rewards on the Ink Enterprise Limitless
For instance, if you happen to purchase airfare with this card, you possibly can be forgoing rewards of as much as 5 factors per greenback {that a} card just like the Chase Sapphire Reserve® (see charges and costs) presents (when booked 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 yr (then 1% thereafter). It additionally earns 2% again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every account yr. 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: Learn how to decide a method in your small-business bank cards
Redeeming rewards on the Ink Enterprise Limitless
There are just a few key methods to redeem your rewards: money again, reward playing cards, journey or items and providers provided by way of Chase’s rewards program.
For those who 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 value 1 cent apiece.
Transferring rewards on the Ink Enterprise Limitless
You may increase your redemption fee to an efficient return of over 3% (based mostly on TPG’s June 2025 valuation of Chase Final Rewards factors at 2.05 cents apiece) on all spending if you happen to transfer your factors to a full-fledged Final Rewards private or enterprise card, akin 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.
Danyal Ahmed, a bank card author at TPG, holds each the Ink Enterprise Limitless and the Sapphire Reserve and all the time combines his factors to switch them to an airline. He lately transferred 75,000 factors to Air Canada Aeroplan to e book multicity business-class tickets for his total household from London to Istanbul after which onward to Zurich.
Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards
What playing cards compete with the Ink Enterprise Limitless?
Associated: How to decide on the perfect bank card for your online business bills
Is the Ink Enterprise Limitless value it?
Backside line
The Ink Enterprise Limitless might be precious 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 depend as soon as they’re open, despite the fact 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 sensible technique to use for a Chase enterprise card, just like the Ink Enterprise Limitless, earlier than you apply for private bank cards from Chase or different banks, which is able to depend towards that 5/24 restrict.
This card presents 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 Credit score Card
For charges and costs of the Blue Enterprise Plus card, click on right here.
