Ink Enterprise Limitless Credit score Card evaluate: Finest ever welcome provide and no annual payment

The Ink Enterprise Limitless® Credit score Card (see charges and costs) is likely one of the greatest enterprise playing cards with no annual payment as a result of it earns 1.5% again on each buy. That money again may be become priceless 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 payment, and its easy reward construction is extra priceless than it appears 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 numerous airline and lodge companions.

Whereas not everyone seems to be eligible for a enterprise bank card, it might be simpler to be accredited than you suppose, offered you have got a “good to glorious” 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 lots of different issuers.

Let’s dive into the main points.

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 provide matches the greatest provide we noticed on the cardboard from September to November 2024.

You may 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) 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 fees no annual payment.

Associated: The perfect welcome provides this month

You get what you pay for on the subject of advantages, so it is no shock that the Ink Enterprise Limitless does not provide as many perks as different playing cards with greater 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 nearly 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 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 coated by the cardboard as much as the car’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 personal automobile 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 further price: 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.

The Ink Enterprise Limitless earns 1.5% money again on all purchases utilizing a simple rewards construction that doesn’t require occupied with rotating or bonus classes. This represents each the great 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) provides 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 yr (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 supplied by this card will not provide the highest return amongst cash-back enterprise bank cards — when you redeem for money, anyway.

Associated: How one can choose 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, present playing cards, journey or items and providers supplied via Chase’s rewards program.

Should 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 value 1 cent apiece.

You may enhance your redemption fee 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, resembling:

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 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 priceless airline and lodge companions or guide journey straight via 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 guide multicity business-class tickets for his complete household from London to Istanbul after which onward to Zurich.

Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards

The Ink Enterprise Limitless‘s rivals are playing cards that supply an analogous return on all spending. Enterprise bank cards that supply fixed-rate rewards embrace:

Associated: How to decide on one of the best bank card for your online business bills

The Ink Enterprise Limitless is a priceless possibility for on a regular basis spending when you pair it with the correct card. Holding a premium Chase card just like the Chase Sapphire Reserve also can maximize your online business bank card rewards. Nevertheless, be careful for Chase’s 5/24 restrictions.

The Ink Enterprise Limitless may 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 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, 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 depend towards that 5/24 restrict.

This card provides an incredible return on on a regular basis spending, which may be supercharged if 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.