Chase Ink Enterprise Limitless overview
The Ink Enterprise Limitless® Credit score Card (see charges and costs) is without doubt one of the finest enterprise playing cards with no annual charge as a result of it earns 1.5% again on each buy. That money again might be was worthwhile Chase Final Rewards factors when paired with an eligible Chase card. Card Score*: ⭐⭐⭐⭐
*Card Score is predicated 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 seems to be 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 permits you to convert money again to Chase Final Rewards factors. This implies you may mix Chase factors out of your separate card accounts and switch them to the Final Rewards program’s numerous 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 assume, offered you’ve 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 main points.
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 inside the first three months from account opening.
This limited-time supply matches the most effective supply we noticed on the cardboard from September to November 2024.
You possibly can redeem the welcome bonus as money again, reward playing cards or journey booked by Chase Journey℠.
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Nonetheless, you may greater than double your return (probably) when you pair the Ink Enterprise Limitless with a card that earns transferable Final Rewards factors, such because the Chase Sapphire Most well-liked® Card (see charges and costs).
In keeping with TPG’s September 2025 valuations, these 90,000 Final Rewards factors are value $1,845.
That is a stable haul on a card that expenses no annual charge.
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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 supply as many perks as different playing cards with increased annual charges.
Its advantages are similar to these supplied by the Ink Enterprise Money® Credit score Card (see charges and costs), however they are not fairly pretty much as good because the perks supplied on the Ink Enterprise Most well-liked® Credit score Card. Most notably, you’ll not get cellphone safety or journey cancellation/interruption insurance coverage.
The data for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered 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 in opposition to 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 may 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 suggests it applies earlier than your individual automotive insurance coverage coverage.
- Prolonged guarantee: This extends a U.S. producer’s guarantee interval by an extra 12 months on eligible warranties of three years or much less.
- Worker playing cards at no extra value: If workers are allowed to make use of the account, they are going to be approved customers and could have equal charging privileges except you determine 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 fascinated about rotating or bonus classes. This represents each the fantastic thing about this card and its potential draw back.
For instance, when you purchase airfare with this card, you possibly can 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) presents when reserving through 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 fuel 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 supplied by this card will not provide the highest return amongst cash-back enterprise bank cards — when you redeem for money, anyway.
Associated: The way to decide a method to 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 supplied by Chase’s rewards program.
In the event you redeem for money, you may obtain your cash as a press release credit score or by 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 with the Ink Enterprise Limitless
You possibly can enhance your redemption charge to an efficient return of over 3% (based mostly on TPG’s September 2025 valuations) on all spending when you 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.
The Ink Enterprise Limitless can symbolize an unbelievable 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 may switch them to worthwhile airline and lodge companions or ebook journey immediately by Chase Journey and obtain a flat worth to your factors, depending on the particular 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 all the time combines his factors to switch them to an airline. He lately transferred 75,000 factors to Air Canada Aeroplan to ebook multicity business-class tickets for his whole household from London to Istanbul after which onward to Zurich.
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What playing cards compete with the Ink Enterprise Limitless?
The Ink Enterprise Limitless‘s opponents are playing cards that supply an analogous return on all spending. Enterprise bank cards that supply fixed-rate rewards embody:
Associated: How to decide on the most effective bank card for your small business bills
Is the Ink Enterprise Limitless value it?
The Ink Enterprise Limitless is a worthwhile possibility for on a regular basis spending when you pair it with the fitting card. Holding a premium Chase card just like the Chase Sapphire Reserve can even maximize your small business bank card rewards. Nonetheless, 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, when you 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 presents an important return on on a regular basis spending, which might be supercharged in case 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.
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