The Chase Ink Business Unlimited® Credit Card is touting a generous $900 welcome bonus, a significant bump from previous offers.  But is this card right for you?

Before jumping in, let's dig deeper.  The card boasts 1.5% cash back on all purchases, which is decent, but is it enough to outweigh any potential downsides?  Consider this: what if you find a card with a higher cash-back rate, even if the bonus isn't as large?

Also, remember that this card comes with a 3% foreign transaction fee, which could add up quickly if you travel internationally.  Think about how often you use credit cards for international purchases.

The card does offer a 0% intro APR for 12 months on purchases, which can be helpful if you plan to make a large purchase. However, once that introductory period ends, the APR jumps to a variable 18.49% to 24.49%.   Could you potentially find a card with a lower interest rate, even if the bonus isn't as attractive?

This card also has some perks, like travel and emergency assistance services, rental car collision damage waiver, roadside dispatch, purchase protection, and extended warranty protection. These can be valuable, but do you actually need them?  Think about how often you'd utilize these benefits.

Is a $900 bonus worth the potential drawbacks?  It's important to weigh the pros and cons carefully and consider your individual financial needs before making a decision.  Don't forget to explore alternative options!

The Chase Ink Business Preferred® Credit Card, for example, offers a higher point earning potential in select categories and a strong suite of travel benefits, albeit with a $95 annual fee.  The Signify Business Cash℠ Card by Wells Fargo offers a competitive 2% cash-back rate on all purchases with a $0 annual fee, but a smaller welcome bonus.  Take the time to compare different cards and find the one that best aligns with your spending habits and financial goals.  Remember, the best credit card for you is the one that helps you

Is a $900 Bonus Worth the Fees? A Critical Look at the Chase Ink Business Unlimited Card

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