Chase Ink Enterprise Limitless overview
The Ink Enterprise Limitless® Credit score Card (see charges and charges) is without doubt 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 might be become invaluable Chase Final Rewards factors when paired with an eligible Chase card. Card Score*: ⭐⭐⭐⭐
*Card Score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Ink Enterprise Limitless Credit score Card is a small-business card that carefully mirrors the favored Chase Freedom Limitless® (see charges and charges). There is no such thing as a annual payment, and its easy reward construction is extra invaluable than it appears at first look.
Though different playing cards earn 1.5% money again (or extra), the Ink Enterprise Limitless card means that you can earn money again within the type of Chase Final Rewards factors. These Chase factors can turn into considerably extra invaluable should you even have a premium Final Rewards card. That is as a result of you may mix Chase factors out of your accounts and switch them to the Final Rewards program’s numerous airline and resort companions.
The Ink Enterprise Limitless is a enterprise bank card. As such, it’s tailor-made to these with small companies.
Whereas not everyone seems to be eligible for a enterprise bank card, it might be simpler to be accredited than you suppose, supplied you could 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 small print.
Ink Enterprise Limitless execs and cons
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Ink Enterprise Limitless welcome provide
New Ink Enterprise Limitless cardholders earn a $750 cash-back bonus after spending $6,000 on purchases within the first three months from account opening.
You may redeem the money again at a fee of 1 cent every as money again, reward playing cards or journey booked via Chase Journey℠.
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Nonetheless, you may greater than double your return (probably) 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 line with TPG’s June 2025 valuations, these 75,000 Final Rewards factors are value as much as $1,538.
That is a stable haul on a card that fees no annual payment.
Associated: One of the best welcome provides this month
Ink Enterprise Limitless advantages
You get what you pay for relating to advantages, so it is no shock that the Ink Enterprise Limitless would not provide 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 charges), however they don’t seem to be fairly nearly as good because the perks provided on the Ink Enterprise Most popular® Credit score Card (see charges and charges). Most notably, you’ll not get cellphone safety or journey cancellation/interruption insurance coverage.
This is a fast rundown of what is included:
- Buy safety: This covers new purchases for as much as 120 days towards injury or theft, as much as $10,000 per declare and $50,000 per account.
- Auto rental collision injury 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 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 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 further value: If staff are allowed to make use of the account, they are going to be approved customers and could have equal charging privileges except you identify 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 requires no occupied with 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 might be forgoing rewards of as much as 5 factors per greenback {that a} card just like the Chase Sapphire Reserve® (see charges and charges) provides (when booked via 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 account 12 months. 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 provided by this card will not provide the highest return amongst cash-back enterprise bank cards — should you redeem for money, anyway.
Associated: Find out how to decide a method on your small-business bank cards
Redeeming rewards on the Ink Enterprise Limitless
There are just a few key methods to redeem your rewards: money again, reward playing cards, journey or items and companies provided 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, reward playing cards or journey are value 1 cent apiece.
Transferring rewards on the Ink Enterprise Limitless
You may increase your redemption fee to an efficient return of over 3% (primarily based on TPG’s June 2025 valuation of Chase Final Rewards factors at 2.05 cents apiece) on all spending should 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 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 invaluable airline and resort companions or e book journey straight via Chase Journey and obtain a flat worth on your factors (1.5 cents per level with the Chase Sapphire Reserve or 1.25 cents per level with the Chase Sapphire Most popular or the Ink Enterprise Most popular).
Danyal Ahmed, a bank card author at TPG, 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 e book 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 provide the same return on all spending. Enterprise bank cards that provide fixed-rate rewards embody:
Associated: How to decide on one of the best bank card for your enterprise bills
Is the Ink Enterprise Limitless value it?
The Ink Enterprise Limitless is a invaluable choice for on a regular basis spending should you pair it with the correct card. Holding a premium Chase card just like the Chase Sapphire Reserve can even maximize your enterprise bank card rewards. Nonetheless, be careful for the restrictions of the Chase 5/24 rule.
Backside line
The Ink Enterprise Limitless might be invaluable 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, regardless 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 sensible technique to use for a Chase enterprise card, just like the Ink Enterprise Limitless, earlier than you apply for private bank cards from Chase or different banks, which can depend towards that 5/24 restrict.
This card provides an important return on on a regular basis spending, which might be supercharged you probably have one other card incomes Chase Final Rewards factors.
Apply right here: Ink Enterprise Limitless Credit score Card
For charges and charges of the Blue Enterprise Plus card, click on right here.
