Chase Ink Enterprise Limitless overview
The Ink Enterprise Limitless® Credit score Card (see charges and charges) 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 could be became priceless Chase Final Rewards factors when paired with an eligible Chase card. Card Ranking*: ⭐⭐⭐⭐
*Card Ranking 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 charges). The Ink Enterprise Limitless doesn’t cost an annual charge, and its easy reward construction is extra priceless 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 lets you 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 varied airline and resort companions.
Whereas not everyone seems to be eligible for a enterprise bank card, it might be simpler to be permitted than you suppose, offered you may 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 plenty of different issuers.
Let’s dive into the main points.
Ink Enterprise Limitless execs and cons
No annual charge
Flat money again on all purchases
Major insurance coverage for automobile leases
Buying protections
Rewards change into transferable factors when paired with an eligible card
Lacks bonus classes
Want one other eligible Chase card to transform money again to factors
Ink Enterprise Limitless welcome provide
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 provide matches the most effective provide we noticed on the cardboard from September to November 2024.
You’ll be able to redeem the welcome bonus as money again, present playing cards or journey booked via Chase Journey℠.
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Nevertheless, you may greater than double your return (doubtlessly) should you 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 charges).
In accordance 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: The very best welcome affords 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 would not provide as many perks as different playing cards with larger annual charges.
Its advantages are equivalent to these supplied by the Ink Enterprise Money® Credit score Card (see charges and charges), however they are not fairly pretty much as good because the perks supplied on the Ink Enterprise Most popular® Credit score Card. Most notably, you’ll not get cellphone safety or journey cancellation/interruption insurance coverage.
The knowledge 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 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 injury or theft, as much as $10,000 per declare and $50,000 per account.Auto rental collision injury waiver: When renting a automobile for enterprise functions utilizing the Ink Enterprise Limitless, you may decline the rental automobile 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 injury. That is legitimate on most leases within the U.S. and overseas, and protection is main, which implies it applies earlier than your individual automobile 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 staff are allowed to make use of the account, they are going to be licensed 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 an easy rewards construction that doesn’t require fascinated about rotating or bonus classes. This represents each the great thing about this card and its potential draw back.
For instance, should 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 charges) 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 fuel stations and eating places every year. All different purchases earn 1% money again.
Watch out about solely evaluating this card primarily based 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 — should you redeem for money, anyway.
Associated: Tips on how to decide a method to your small-business bank cards
Redeeming rewards on the Ink Enterprise Limitless
There are a number of key methods to redeem your rewards: money again, present playing cards, journey or items and providers supplied via Chase’s rewards program.
In the event you redeem for money, you may obtain your cash as a press release credit score or via an digital deposit into an eligible U.S. checking or financial savings account. Factors redeemed for money, present playing cards or journey are price 1 cent apiece.
Transferring rewards with the Ink Enterprise Limitless
You’ll be able to increase your redemption charge to an efficient return of over 3% (primarily based on TPG’s September 2025 valuations) on all spending should you 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 characterize 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 may switch them to priceless airline and resort companions or guide journey immediately via 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 guide 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?
The Ink Enterprise Limitless‘s opponents are playing cards that supply an identical return on all spending. Enterprise bank cards that supply fixed-rate rewards embrace:
Associated: How to decide on the most effective bank card for your enterprise bills
Is the Ink Enterprise Limitless price it?
The Ink Enterprise Limitless is a priceless choice for on a regular basis spending should you pair it with the proper card. Holding a premium Chase card just like the Chase Sapphire Reserve may maximize your enterprise bank card rewards. Nevertheless, be careful for Chase’s 5/24 restrictions.
Backside line
The Ink Enterprise Limitless could be priceless 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, despite the fact that making use of for them within the first place is topic to the rule. So, should 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 can rely towards that 5/24 restrict.
This card affords an ideal return on on a regular basis spending, which could be supercharged you probably have one other card incomes Chase Final Rewards factors.
Apply right here: Ink Enterprise Limitless
For charges and charges of the Blue Enterprise Plus card, click on right here.
