Chase Ink Enterprise Limitless overview
*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 intently mirrors the favored Chase Freedom Limitless® (see charges and costs). There isn’t a annual price, and its easy reward construction is extra invaluable than it seems at first look.
Though different playing cards earn 1.5% money again (or extra), the Ink Enterprise Limitless card permits you to earn money again within the type of Chase Final Rewards factors. These Chase factors can change into considerably extra invaluable when 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 varied 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 could be simpler to be permitted than you suppose, offered you will 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 lots of different issuers.
Let’s dive into the small print.
Ink Enterprise Limitless execs and cons
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Ink Enterprise Limitless welcome supply
You’ll be able to redeem the money again at a fee of 1 cent every as money again, present playing cards or journey booked by way of Chase Journey℠.
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Nonetheless, you may greater than double your return (probably) when 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 costs). In accordance with TPG’s June 2025 valuations, these 75,000 Final Rewards factors are price as much as $1,538.
That is a stable haul on a card that expenses no annual price.
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Ink Enterprise Limitless advantages
You get what you pay for in relation to 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 an identical to these provided by the Ink Enterprise Money® Credit score Card (see charges and costs), 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 costs). Most notably, you’ll not get cellphone safety or journey cancellation/interruption insurance coverage.
Here 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 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 personal automotive insurance coverage coverage.
- Prolonged guarantee: This extends a U.S. producer’s guarantee interval by an extra yr on eligible warranties of three years or much less.
- Worker playing cards at no extra value: If staff are allowed to make use of the account, they are going to be approved customers and may have equal charging privileges except you determine particular person spending limits.
Incomes rewards on the Ink Enterprise Limitless
For instance, when you purchase airfare with this card, you would be forgoing rewards of as much as 5 factors per greenback {that a} card just like the Chase Sapphire Reserve® (see charges and costs) provides (when booked 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 yr (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 yr. 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 — when you redeem for money, anyway.
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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 provided by way of Chase’s rewards program.
In the event you redeem for money, you may obtain your cash as a press release credit score or by way of 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 on the Ink Enterprise Limitless
You’ll be able to enhance your redemption fee to an efficient return of over 3% (based mostly on TPG’s June 2025 valuation of Chase Final Rewards factors at 2.05 cents apiece) on all spending when you transfer your factors to a full-fledged Final Rewards private or enterprise card, equivalent to:
The opposite card should be registered to you, the proprietor of the corporate or a member of your family to qualify for a switch.
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 ebook multicity business-class tickets for his total household from London to Istanbul after which onward to Zurich.
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What playing cards compete with the Ink Enterprise Limitless?
Associated: How to decide on the very best bank card for your corporation bills
Is the Ink Enterprise Limitless price it?
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, 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, 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 ideal return on on a regular basis spending, which might be supercharged when you’ve got one other card incomes Chase Final Rewards factors.
Apply right here: Ink Enterprise Limitless Credit score Card
For charges and costs of the Blue Enterprise Plus card, click on right here.
