Ink Business Unlimited® Credit Card

Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category.

Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Ink Business Unlimited Credit Card fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.

Ink Business Unlimited Credit Card fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 14% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.

Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.

Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Ink Business Unlimited Credit Card has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.. Confirm current issuer terms before applying.

Annual fee

$0

Foreign transaction fee

$3

Signup bonus

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

The Ink Business Unlimited Credit Card includes Auto Rental Collision Damage Waiver, Auto Rental Coverage, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Auto Rental Collision Damage WaiverIncluded with Visa Signature®

  Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

• Auto Rental Coverage

  Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

• Booking.comIncluded with Visa Signature®

  Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.

• Extended Warranty Protection

  Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

• Golf Benefits from Troon Rewards®Included with Visa Signature®

  Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.

• lnstacart+ membership

  Spend more time focused on your business and less time shopping when you enroll in your complimentary three-month lnstacart+ membership (auto renews at $99/year after complimentary period). Plus, once activated, lnstacart+ members get a $20 Instacart credit each month automatically loaded into their lnstacart Business Account. Enrollment Required. Benefits end 12/31/27.

• Lost Luggage ReimbursementIncluded with Visa Signature®

  Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.

• OpenTableIncluded with Visa Signature®

  Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.

Compare the Ink Business Unlimited Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• Aeroplan® CardChase · 4.5% on dining
• AARP®Chase · 3% on dining
• Chase Freedom Flex® Credit CardChase · 3% on dining
• Chase Freedom Unlimited® Credit CardChase · 3% on dining

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