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 |
| 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. |
| Other Fees | Roadside service fees will be billed to your card at time of dispatch. |
About this card
The Ink Business Unlimited® Credit Card earns a 'Good' overall rating of 3.9. This card presents an exceptionally strong value proposition for small businesses, particularly those who can consistently pay their balance in full. Its strengths are numerous and significant: a standout $0 annual fee (Fees Rating: 4.6), a generous sign-up bonus of $750 cash back after meeting the spending requirement (Rewards Rating: 4.5), and a straightforward unlimited 1.5% cash back on all purchases. The integration into the highly flexible Chase Ultimate Rewards ecosystem further enhances the value of these rewards. The card also benefits from a very strong reputation and the trustworthiness of Chase as an issuer. Additionally, the 0% introductory APR for 12 months on purchases is a valuable feature for managing initial business expenditures. However, these considerable positives are 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 introductory period. This high interest rate can significantly diminish the card's value for businesses that frequently carry a balance, making responsible credit management paramount. While the 3% foreign transaction fee is a minor detractor for international spending, it does not overshadow the card's core benefits. For businesses prioritizing no annual fee, strong flat-rate rewards, a substantial welcome offer, and the flexibility of Chase Ultimate Rewards, this card is an excellent choice. It is rated just shy of 'Excellent' due to the significant APR concern for those who might carry a balance, which could quickly negate its other advantages. It remains a highly recommended option for its target audience.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High cashback rewards rate
- Flexible reward redemption options
- Valuable purchase and travel protections
- No fee for employee cards
Things to consider
- High variable APR
- Automatic renewal of a subscription benefit
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.
- New Cardmember Bonus – $750 Cash Back: To qualify, you must make $6,000 in purchases during the first 3 months from account opening.
Rewards
- Unlimited 1.5% cash back on every purchase.
- 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.
- You’ll earn 5% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027.
Other features
- 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®.
- 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: Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.
- Gift Cards: Chase offers over 150 of your favorite gift card brands including hotels, office supply stores, electronics and more.
- Employee cards at no additional cost.
- Manage your cash flow: Make payments using a business credit card to hold onto your money longer.
- Build your business credit: 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: Integrate your Chase Ink credit card with bookkeeping software to simplify accounting.
- 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. Start a plan by selecting an eligible purchase with the Pay Over Time eligible option next to the transaction amount in your credit card account activity.
Additional Notes
Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. 2026 winner of Nerdwallet's Best of Awards for Best Small-Business Credit Card. Chase Ink Business Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.