Chase Ink Business Unlimited vs Ramp Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Unlimited and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Chase Ink Business Unlimited | Ramp Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 10 | 10 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 3% | None |
| Introductory APR | 0% for 12 months | — |
| Late Payment Fee | $40 | Varies by contract |
| Additional Employee Cards | — | $0 |
Chase Ink Business Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Who should skip Chase Ink Business Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.