A number of years again, Chase rounded out its enterprise card line by introducing the no-annual-fee Ink Enterprise Limitless® Credit score Card (see charges and charges), the proper complement to the no-annual-fee Ink Enterprise Money® Credit score Card (see charges and charges) and the higher-end Ink Enterprise Most popular® Credit score Card (see charges and charges).
Even when you have already got one or each of the opposite Ink bank cards — or you probably have different enterprise bank cards with bonus classes — listed below are six the reason why you may want to check out the Ink Enterprise Limitless.
Strong welcome bonus
There are quite a lot of good causes to get a enterprise card, one of many greatest being the hefty welcome bonuses that include enterprise bank cards. And since they’re fully separate out of your private funds, you possibly can double dip on welcome bonuses.
With the Ink Enterprise Limitless, you earn $750 money again after spending $6,000 on purchases within the first three months from account opening.
Nonetheless, together with different cash-back playing cards within the Chase portfolio — together with the Chase Freedom Limitless® (see charges and charges) and Ink Enterprise Money — you may have the chance to convert the money again into Final Rewards factors by pairing them with a higher-end card within the Chase household, such because the Chase Sapphire Most popular® Card (see charges and charges) or Chase Sapphire Reserve® (see charges and charges).
Doing it will get you the perfect worth out of the welcome bonus and the rewards you may earn on on a regular basis spending.
You may doubtlessly obtain a fair better return if you switch your factors (at a 1:1 ratio) to companions like United Airways and Hyatt. Whereas this is not probably the most profitable welcome bonus for a enterprise card, it is stable, particularly contemplating the following motive so as to add this card to your pockets.
Associated: Chase Ink Enterprise Most popular vs Ink Enterprise Premier: Bank card showdown
No annual payment
The already engaging welcome bonus seems to be even higher when you think about that the Ink Enterprise Limitless expenses no annual payment.
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You could be reluctant so as to add yet one more card that expenses an annual payment to your pockets, particularly should you’re already carrying a bunch of them. The Ink Enterprise Limitless solves that downside.
Associated: The very best no-annual-fee enterprise bank cards
Limitless flat money again on all purchases
This card additionally solutions the query: How do I get extra worth out of my nonbonus purchases? The Ink Enterprise Limitless affords a flat 1.5% money again on all purchases. You may be tempted to check that return to a different card that provides a flat-rate reward on on a regular basis spending — do not.
That is as a result of, as mentioned beforehand, you possibly can switch your Ink Enterprise Limitless rewards to a Chase bank card that earns Final Rewards factors, so the worth is doubtlessly better than 1.5% money again.
TPG’s June 2025 valuations worth Final Rewards factors at 2.05 cents every, which means you would earn a return of three.1% for each greenback spent. To maximise your rewards, use this card for nonbonus spending, similar to shopping for ironmongery store gadgets to repair up your workplace or submitting your taxes.
Associated: The professionals and cons of cash-back bank cards
introductory APR provide
You actually should not be targeted on incomes factors and miles if you cannot repay your bank card on time and in full each month (it is certainly one of TPG’s 10 commandments). However issues occur. Perhaps you are trying to increase and have to make capital investments that can take months to have an effect on your income stream or are stocking up on stock forward of the vacation purchasing season.
The Ink Enterprise Limitless affords a pleasant cushion that may be helpful for brand spanking new enterprise house owners or if it’s good to finance a big buy.
You may obtain an introductory 0% annual proportion price for 12 months from account opening on purchases. After that, you may pay a 17.49%- 23.49% variable APR. So purchase these laptops now, however be sure that to pay them off by this time subsequent 12 months.
Associated: Do enterprise bank cards have an effect on private credit score?
Main (enterprise) rental automotive protection
The Ink Enterprise Limitless consists of a number of advantages you would possibly discover on different bank cards, together with buy safety and prolonged warranties. Nevertheless it additionally affords main rental automotive protection — a profit that is comparatively uncommon.
Many bank cards provide what’s referred to as secondary protection, which solely applies after considering what your personal private automotive insurance coverage covers.
Main protection removes your private protection from the equation and protects you from deductibles or losses above a sure threshold.
The Ink Enterprise Limitless permits you to decline the rental automotive firm’s collision insurance coverage and be lined by the cardboard as much as the money worth of the car within the case of theft or collision injury, so long as you are utilizing the automotive for enterprise functions.
Associated: 10 issues on your small-business bank card technique
Worker playing cards at no further price
In case you run a enterprise that usually requires staff to run errands or expense issues, make life simpler by getting them their very own card. That approach, you will not must chase down the cardboard if you want it and will not must take care of expense reviews.
Whereas some premium playing cards require a further payment if you add a licensed consumer, the Ink Enterprise Limitless doesn’t.
Nonetheless, you have to be conscious that you’re nonetheless chargeable for paying all expenses accrued on the account, whether or not you made them personally or not. (If an unauthorized cost was made on any card, Chase has you lined. All you need to do is name them instantly and clarify the problem.)
How you can maximize the Ink enterprise card household
There are presently 4 playing cards within the Chase Ink Enterprise household obtainable to new candidates on-line. Select the perfect mixture to work for your online business wants, and you will have your bases lined relating to maximizing Final Rewards factors on your online business purchases:
- Use the Ink Enterprise Limitless for nonbonus spending. It pays a hard and fast price on all purchases.
- Use the Ink Enterprise Money for office-related bills. You may earn 5% again on the primary $25,000 you spend in mixed purchases at workplace provide shops and on web, cable and telephone companies every account anniversary 12 months.
- Use the Ink Enterprise Most popular for journey and promoting purchases. It earns 3 factors per greenback on the primary $150,000 you spend in mixed purchases on journey, transport purchases, web, cable and telephone companies and promoting purchases made with social media websites and search engines like google, every account anniversary 12 months. (And keep in mind, Chase has a fairly liberal definition of what qualifies as a travel-related buy.)
Then, there are many excellent methods to make use of these rewards.
Word that the fourth Ink card, the Ink Enterprise Premier® Credit score Card (see charges and charges), supplies a superb cash-back return (2.5% on each buy of $5,000 or extra, 2% limitless cash-back on all different purchases), however these rewards can solely be redeemed as money again and can’t be transferred to a different card to be redeemed for max worth.
Backside line
The Ink Enterprise Limitless has lots to supply new customers, even ones who already personal a number of enterprise bank cards.
With a stable introductory provide, a easy incomes construction and no annual payment, the cardboard can provide a promising return for companies huge and small, particularly when mixed with different Ink Enterprise choices. To study extra, learn our full evaluate of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless Credit score Card
Associated: Your information to the Chase Ink Enterprise bank cards
