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, 16.74%–24.74% variable APR. |
About this card
The Ink Business Unlimited card is a decent option for small businesses, balancing a solid rewards program and no annual fee with a potentially high APR. The standout features are the unlimited 1.5% cash back, the generous $750 sign-up bonus, and the $0 annual fee. These strengths are somewhat offset by the high variable APR (16.74%-24.74%). For businesses that consistently pay their balance in full, the APR is less of a concern, making the card a good choice. However, for businesses that may carry a balance, the high APR could negate the rewards earned. Chase's solid reputation adds to the card's appeal. Overall, a slightly above-average card suitable for businesses prioritizing simplicity and avoiding annual fees, but only if they can manage their balances effectively.
Pros & Cons
What's great
- Generous sign-up bonus
- Intro APR period
- No annual fee
- Cashback on purchases
- Employee cards at no additional cost
Things to consider
- High regular APR
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
- 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
- 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. 2026 winner of Nerdwallet's Best of Awards for Best Small-Business Credit Card.