Chase
Ink Business Unlimited® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $750 Cash Back |
| Rewards Rate | 1.5% Cash Back |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | After that, 16.74%–24.74% variable APR. |
About this card
The Ink Business Unlimited® Credit Card earns a 'Good' overall rating of 3.9, offering a compelling value proposition for small businesses, particularly those who pay their balance in full. Its strengths are significant: a standout $0 annual fee (Fees Rating: 4.6) and an exceptionally generous sign-up bonus of $750 cash back after meeting the spending requirement. The rewards program is robust (Rewards Rating: 4.5), providing a straightforward unlimited 1.5% cash back on all purchases, which becomes even more valuable when integrated into the flexible Chase Ultimate Rewards ecosystem. The card also benefits from Chase's strong reputation and brand trust, consistently receiving praise from experts and users. Furthermore, a 0% introductory APR for 12 months on purchases is a valuable tool for managing initial business expenses. These considerable positives are, however, tempered by one major drawback: a potentially very high regular variable APR (APR Rating: 1.8), ranging from 16.74% to 24.74% after the intro period. This high interest rate can severely diminish the card's value for businesses that frequently carry a balance, making responsible credit management crucial. While the foreign transaction fees are a minor detractor for international spending, they don't overshadow the card's core benefits. For businesses that can consistently pay off their statement balance, the Ink Business Unlimited is an excellent choice, maximizing rewards without incurring interest. Its combination of no annual fee, strong rewards, and reputable issuer makes it a highly recommended option, positioned just shy of 'Excellent' due to the significant APR concern for those who might carry a balance.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Valuable partnership benefits
- Free employee cards
Things to consider
- High regular APR
What this card offers
Sign-up bonuses
- Earn $750 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
Rewards
- Unlimited 1.5% cash back on every purchase.
- Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink Business Unlimited card.
Other features
- Complimentary three month Instacart+ membership
- Spend more time focused on your business and less time shopping when you enroll in your complimentary three-month lnstacart+ membership (auto renews at $99/year after complimentary period). Plus, once activated, lnstacart+ members get a $20 Instacart credit each month automatically loaded into their lnstacart Business Account. Enrollment Required. Benefits end 12/31/27.
- 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.
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.