Chase Ink Business Unlimited® awarded 2026 best small business credit card by NerdWallet
Quick insights
- The Ink Business Unlimited® credit card was named the best small business credit card by NerdWallet in their 2026 Best-of Awards.
- NerdWallet’s team of journalists and specialists evaluated over 900 products to choose a single winner for each category.
- The Ink Business Unlimited card offers unlimited 1.5% cash back on every purchase for your business and flexible redemption options from cash back to shopping, gift cards, travel and more.
When searching for a new credit card, many people look to expert opinions and trusted reviews to guide their research. That’s why news of the Ink Business Unlimited card earning the 2026 best small business credit card award from NerdWalletOpens overlay stands out.
Learn more about NerdWallet’s criteria for category winners, and some reasons why the Ink Business Unlimited card was recognized.
About the NerdWallet Best-of Awards
Since 2017, NerdWallet’s Best-of Awards have recognized financial products across a variety of categories. NerdWallet, known for its in-depth financial product reviews and independent editorial standards, named the Ink Business Unlimited card its best small business credit card for 2026.
For this year’s awards, 37 journalists and experts used a comprehensive scoring formula to decide which products objectively provided the best value to consumers. Some areas of evaluation included credit card terms, reward rates and available benefits.
NerdWallet recognized winners across a variety of credit card categories, including small business, travel, all-purpose cash back and more. Other areas highlighted include personal loans, banking, investing, insurance and travel rewards programs.
Reasons the Ink Business Unlimited card was recognized
The Ink Business Unlimited card is a cash back business credit card with a straightforward rewards structure. Cardmembers earn an unlimited 1.5% cash back on purchases with no need to track spending categories or activate rotating offers. This simplicity could appeal to business owners who want to earn predictable rewards on routine purchases.
A few benefits of this small business credit card include:
- Potential to earn additional rewards through a new cardmember welcome offer
- Employee cards at no additional cost
- Travel and purchase protection benefits including Auto Rental Coverage, Travel and Emergency Assistance, Roadside Assistance, Purchase Protection and Extended Warranty Protection
- Expense tracking tools
- Ability to integrate your credit card with bookkeeping software to simplify accounting
- 24/7 access to view account details, quarterly reports and up to 24 months of statement details
Another potential benefit of the Ink Business Unlimited card is the flexibility of reward redemption. Cardmembers can choose to redeem their rewards for cash back, gift cards, travel and more. Plus, additional employee cards earn rewards for the overall account.
Benefits of having a small business credit card
Many business credit cards (including the Ink Business Unlimited) have rewards programs that allow you to earn cash back or points on everyday business expenses. A flat-rate cash back card like Ink Business Unlimited enables you to earn consistent cash back on a wide range of purchases. Over time, you can use the rewards you have earned to reinvest into your business.
However, business credit cards offer more than just the ability to earn rewards. They can also help you build business credit, track spending/expenses and separate your business and personal expenses. Having access to a dedicated line of credit may also allow you to further grow your business. For example, business credit card limits may be higher than personal credit card limits. This could come in handy when you need to make a costlier investment like a new office space or new technology.
In summary
The NerdWallet Best-of Awards recognize a variety of financial products across categories, including small business credit cards. After evaluating hundreds of products, NerdWallet chose the Ink Business Unlimited credit card as the top small business credit card option.
In addition to an unlimited 1.5% cash back on purchases, the Ink Business Unlimited card provides perks like travel protection benefits, employee cards at no additional cost and tools to help with expense tracking. Applying for a business credit card can be a helpful way to separate business and personal expenses as well as earn rewards to reinvest in your business.
