4.7 / 5
- Welcome
- 100,000 points
- Annual fee
- $95
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Chase · ink
Ink Business Unlimited Credit Card
4.3 / 5
Ultimate Rewards · Business card
The simplest Chase business card: 1.5% on everything, no annual fee and no categories to manage. It suits businesses whose spending does not line up with the Ink Cash bonus categories.
At a glance
- Welcome bonus
- $1,000 cash
- Spend $8,000 in 4 months
- Annual fee
- $0
- Purchase APR
- 16.74% to 24.74%
- Intro: 0% for 12 months
- FX fee
- 3%
Editorial
Our take
The simplest Chase business card: 1.5% on everything, no annual fee and no categories to manage. It suits businesses whose spending does not line up with the Ink Cash bonus categories.
Verdict
Pros & cons
Pros
- Flat 1.5% cash back on every purchase with no cap
- No annual fee and free employee cards
- 0% intro APR on purchases for 12 months
- Rewards post as Ultimate Rewards points redeemable for travel
Cons
- 1.5% is beaten by the Ink Business Cash 5% and 2% tiers if your spending fits them
- 3% foreign transaction fee makes it a poor card abroad
- Points only transfer to airline and hotel partners if you pool them with a Sapphire or Ink Business Preferred account
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Lyft rides | 5% | Total 5% cash back on qualifying Lyft rides bought through the Lyft app through 09/30/2027. |
| All other purchases | 1.5% | Unlimited 1.5% cash back on every business purchase, with no categories and no cap. Cash back accrues as Chase Ultimate Rewards points worth 1 cent each toward cash back. |
Benefits
Key benefits
1.5% on everything
Every business purchase earns 1.5% cash back with no categories to track and no spending cap.
No annual fee
The Pricing and Terms list the Annual Membership Fee as None.
0% intro APR for 12 months
0% intro APR on purchases for the first 12 months from account opening, then the standard variable rate.
Free employee cards
Employee cards at no additional cost, with individual spending limits you set.
Points redeem through Ultimate Rewards
Cash back posts as Ultimate Rewards points you can take as statement credit, direct deposit, gift cards or travel.
Fit
Who this is best for
- Businesses with spending spread across categories no bonus card covers
- Owners who want one flat-rate card and no category tracking
- Businesses financing a large purchase over the 12-month 0% intro period
FAQ
Frequently asked questions
What is the Ink Business Unlimited welcome bonus?
Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
Does the Ink Business Unlimited charge an annual fee?
No. The Ink Business Unlimited has a $0 annual fee.
Does the Ink Business Unlimited have a foreign transaction fee?
Yes. The Ink Business Unlimited charges a 3% foreign transaction fee on purchases made outside the US.
Does the Ink Business Unlimited offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 16.74% to 24.74% variable.
Who is the Ink Business Unlimited best for?
Businesses with spending spread across categories no bonus card covers. Owners who want one flat-rate card and no category tracking. Businesses financing a large purchase over the 12-month 0% intro period.
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Apply
Ink Business Unlimited Credit Card
Spend $8,000 in 4 months
Rates accurate as of September 4, 2026. Issuer terms.