Ink Business Unlimited(R) Credit Card
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This is one of the cards I always keep in my wallet. Even though it's a business card, qualifying is easier than you think—you can get approved for something as simple as selling items on Facebook Marketplace. Learn more about that here.
As a standalone card, the Ink Business Unlimited(R) Credit Card is a cash back card, meaning your rewards can only be redeemed for cash back. However, if you also hold a card that allows for transferrable points—like my Chase Sapphire Preferred(R) Card—you can transfer your cash back rewards to that card and turn them into Ultimate Rewards® points. This opens up more valuable redemption options, like transferring points to travel partners.
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Annual fee: annual_fees
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Reasons to Love this card
For moms who want an easy, no-fuss way to earn valuable rewards on every purchase—without keeping track of categories—this card might end up as one of your favorites.. It’s one of my go-to cards for simplifying family spending and maximizing rewards.
Favorite Benefits for Moms:
Unlimited 1.5% Cash Back on All Purchases: No need to worry about specific spending categories or rotating rewards. You’ll earn a flat 1.5% back on everything, which makes it great for busy moms managing a range of expenses.
No Annual Fee: Enjoy all the rewards and benefits without the hassle of an annual fee, making it a budget-friendly option for moms.
Employee Cards at No Additional Cost: If your family has a small business or side hustle, you can get employee cards (even for teenagers helping with tasks!) and earn cash back on their spending too, without any extra fees.
Cell Phone Protection: When you pay your phone bill with this card, you'll enjoy up to $600 in protection against damage or theft—an excellent benefit for moms whose kids may be hard on their phones.
Simple Redemption Options: Redeem your cash back for travel, gift cards, or statement credits. You can even transfer your rewards to other Chase cards that earn Ultimate Rewards® points, giving you flexibility when planning family trips.
Business Purchase Security and Extended Warranty Protection: Purchases made with this card are covered against theft or damage for 120 days, and it even extends warranties—peace of mind for moms who invest in important family or business purchases.
With its straightforward rewards structure and useful perks, this card makes it easy for moms to focus on what matters most—without worrying about complicated rewards systems.