Chase
Ink Business Unlimited® Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | After that, 16.74Min. of (6.75+9.99) and 29.99%–24.74Min. of (6.75+17.99) and 29.99% variable APR. |
About this card
Considering the available ratings, the Ink Business Unlimited card receives an overall rating of 3.1 out of 5. The card's strengths lie in its no annual fee (Fees Rating: 4.5/5.0) and solid, if unspectacular, rewards program (Rewards Rating: 3.5/5.0), particularly the straightforward 1.5% cash back on all purchases and the valuable sign-up bonus. However, the high potential APR (APR Rating: 1.8/5.0) is a significant drawback, especially for business owners who may carry a balance. The lack of reputation analysis due to the tool's unavailability hinders a more complete assessment, but the available data suggests a card with good baseline value offset by potentially high borrowing costs. The target audience is well served due to ease of use and cash back value. However, the benefits/cost is reduced due to the high APR.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- Cashback on purchases
- Employee cards at no additional cost
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn $750 cash back
- after you spend $6,000 on purchases in the first 3 months after account opening.
Rewards
- Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.
- Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink Unlimited card.
Other features
- Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Employee cards at no additional cost
- Employee cards let you set individual spending limits and help you earn rewards even faster.
- 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.
- If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
- If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. There are no minimums to redeem your Cash Back rewards points.
- Access to millions of flights, over 300k places to stay, and thousands of activities when you book through Chase TravelSM.
- Boost office productivity with a technology refresh. Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.
- Whether it's for yourself, your clients, or your employees – the choice of where to redeem your business rewards is yours. Chase offers over 150 of your favorite gift card brands including hotels, office supply stores, electronics and more.
- Make payments using a business credit card to hold onto your money longer.
- As your business grows, you'll need access to more capital. With Ink, your business builds its own credit history.
- Chase Ink® gives you 24/7 access to view account details, quarterly reports, up to 24 months of statement details, and more.
- Easily track expenses and maintain records for tax reporting and other business needs. Integrate your Chase Ink® credit card with bookkeeping software to simplify accounting.
- Chase helps keep your accounts safe with account alerts. Choose the alerts you want and how you'd like to receive them.
- Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
Additional Notes
The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee. We may also consider factors pertinent to your business in determining your bonus eligibility.

