Chase
Ink Business Unlimited® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Earn $750 cash back |
| Rewards Rate | 1.5% Cash Back, 5% Lyft |
| 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
The Ink Business Unlimited Credit Card presents a compelling value proposition for small businesses, earning a 'Good' overall rating of 3.9. Its standout features include a $0 annual fee (Fees Rating: 4.6) and a very attractive sign-up bonus of $750 cash back after meeting the spending requirement. The card also offers a straightforward and valuable unlimited 1.5% cash back on all purchases (Rewards Rating: 4.3), which is enhanced by its integration into the flexible Chase Ultimate Rewards ecosystem. Furthermore, it benefits from Chase's strong brand reputation (Reputation Analysis: Excellent) and valuable business-centric features like employee cards and purchase protections. These significant strengths are, however, tempered by one major drawback: a potentially very high regular APR (APR Rating: 1.8), ranging from 16.74% to 24.74% variable after the initial 0% intro APR period. While the intro APR is a valuable perk for managing initial expenses, the long-term high regular APR can severely diminish the card's value for businesses that frequently carry a balance. Another minor weakness is the presence of foreign transaction fees. For businesses that consistently pay their balance in full, the Ink Business Unlimited is an excellent choice, maximizing rewards without incurring interest. However, for those who anticipate carrying a balance, the high interest rates make responsible use crucial. Its strong reputation, generous rewards, and lack of an annual fee make it a very solid option, positioned just shy of 'Excellent' due to the APR concerns.
Pros & Cons
What's great
- No annual fee
- Intro APR period on purchases
- Generous sign-up bonus
- High cashback rate on all purchases
- Valuable purchase and travel protections
- Business management tools and employee cards
Things to consider
- Potentially high regular APR
- Foreign transaction fees apply
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 Business 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
- Auto Rental Coverage: 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.
- Travel and Emergency Assistance: 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.)
- Roadside Assistance: 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.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection: 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.
- Cash Back: 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.
- Travel: Access to millions of flights, over 300k places to stay, and thousands of activities when you book through Chase TravelSM.
- Apple® Ultimate Rewards Store: Boost office productivity with a technology refresh. Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.
- Gift Cards: 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.
- Manage your cash flow: Make payments using a business credit card to hold onto your money longer.
- Build your business credit: As your business grows, you'll need access to more capital. With Ink, your business builds its own credit history.
- Get insights into your business: Chase Ink® gives you 24/7 access to view account details, quarterly reports, up to 24 months of statement details, and more.
- Separate business and personal expenses: 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.
- Enjoy peace of mind: 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. 2026 winner of Nerdwallet's Best of Awards for Best Small-Business Credit Card.