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 price as a result of it earns 1.5% again on each buy. That money again could be became helpful 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 costs). The Ink Enterprise Limitless doesn’t cost an annual price, and its easy reward construction is extra helpful than it seems 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 resort companions.
Whereas not everyone seems to be eligible for a enterprise bank card, it might be simpler to be accredited than you assume, offered you may 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 main points.
Ink Enterprise Limitless execs and cons
| Execs | Cons |
|---|---|
|
|
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 greatest supply we noticed on the cardboard from September to November 2024.
You possibly can redeem the welcome bonus as money again, present playing cards or journey booked by Chase Journey℠.
Reward your inbox with the TPG Each day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Nevertheless, you may greater than double your return (doubtlessly) in the event 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 accordance 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 price.
Associated: The perfect welcome presents this month
Ink Enterprise Limitless advantages
You get what you pay for in terms 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 nearly as good because the perks provided 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 coated by the cardboard as much as the car’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 extra price: If workers are allowed to make use of the account, they are going to be approved customers and may have equal charging privileges until 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, in the event you 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) presents 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 companies 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 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 — in the event you redeem for money, anyway.
Associated: Easy methods to decide a technique on 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 companies provided by Chase’s rewards program.
For those who 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, present 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 in the event 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 signify 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 helpful airline and resort companions or guide journey straight by Chase Journey and obtain a flat worth on 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 whole 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 opponents are playing cards that provide the same return on all spending. Enterprise bank cards that provide fixed-rate rewards embody:
Associated: How to decide on the very best bank card for your online business bills
Is the Ink Enterprise Limitless value it?
The Ink Enterprise Limitless is a helpful possibility for on a regular basis spending in the event you pair it with the proper card. Holding a premium Chase card just like the Chase Sapphire Reserve may maximize your online business bank card rewards. Nevertheless, be careful for Chase’s 5/24 restrictions.
Backside line
The Ink Enterprise Limitless could be helpful 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, in the event 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 presents an amazing 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 costs of the Blue Enterprise Plus card, click on right here.