Chase Ink Business Unlimited
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
Earning Rates
At a glance
- 1.5% on everything
- Huge $900 bonus
- No annual fee
- Converts to UR points
Earning rates
4- 1.5%
Unlimited 1.5% cash back on every purchase made for your business, with no rotating categories to activate, no quarterly enrollment, no spending caps, and no expiration dates on the 1.5% rate (per the Chase product page; this flat-rate structure is the core differentiator from Ink Business Cash, which earns 5%/2%/1% in specific categories but caps the 5%/2% spend at $25,000 per anniversary year)
- transit
5% total cash back on Lyft rides through 09/30/2027 when paid with the Ink Business Unlimited card (this is 3.5% incremental on top of the base 1.5% all-purchases rate, per the Chase product page)
- 1.5%
Employee cards at no additional cost: add cards for your employees at $0 per card and set individual employee spending limits to control authorized spend while still earning the 1.5% cash back rate into the primary cardmember's account (per the Chase product page)
- 1.5%travel
Pairing strategy with a Chase Ultimate Rewards transferable-points card: the 1.5% flat cash back rate on Ink Business Unlimited is effectively 1.5 Ultimate Rewards points per dollar when the account is paired with a Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, or Chase Ink Business Premier; for travelers who can transfer Ultimate Rewards points to partners like Hyatt and a transfer partner at 1.7 to 2 cents per point in value, this turns the Ink Business Unlimited into one of the strongest non-category business earning cards in the market (this pairing strategy is the same one One Mile at a Time describes for the personal Chase Freedom Unlimited)
Statement credits
1- Cash back is technically earned as Chase Ultimate Rewards points at 1 cent per point and can be redeemed for cash back (statement credit or direct deposit to most U.S. checking and savings accounts), gift cards, Apple products via Chase, Pay With Points at Amazon.com, or travel through Chase Travel at a flat 1 cent per point baseline (per the Chase Ink Business Unlimited Ways to Redeem Rewards overlay); rewards do not expire as long as the account remains open
Perks & memberships
2- No foreign feesForeign transaction fees: 3% of each transaction in U.S. dollars (the Ink Business Unlimited carries a 3% Foreign Exchange Fee per Chase's pricing and terms; despite the Chase site nav including Ink Business Unlimited under the No Foreign Transaction Fees category filter, the product itself does charge a 3% FX fee, which makes the card a poor choice for international business spend and is a key differentiator from Ink Business Preferred and Ink Business Premier, both of which charge $0 FX fees)
- ConciergeVisa Signature Business benefit tier: the Ink Business Unlimited is issued on the Visa Signature Business platform (not the higher Visa Infinite Business tier reserved for Chase Sapphire Reserve for Business), which carries the standard Visa Signature Business merchant offers, Luxury Hotel Collection access at participating properties, and the Visa Signature Concierge for travel, dining, and entertainment assistance
Travel & purchase protections
6- Purchase Protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per claim and $50,000 per account, per the standard Chase business card Visa Signature Business benefit suite referenced on the Chase Ink Business Unlimited Travel and Purchase Coverage overlay (substantially higher per-claim and per-account caps than the $500 per claim on personal Chase Freedom Unlimited because business-tier purchase protection runs to the same $10,000 / $50,000 caps used on Ink Business Preferred)
- Extended Warranty Protection: extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to a maximum of four years total from the date of purchase (per the Chase Ink Business Unlimited Travel and Purchase Coverage overlay)
- Auto Rental Collision Damage Waiver (CDW): primary coverage when renting for business purposes in the United States and abroad. Decline the rental company's collision insurance and charge the entire rental cost to the Ink Business Unlimited, and Chase reimburses for theft and collision damage on most rental vehicles. For personal rentals charged to the card, coverage is primary outside the U.S. and secondary inside the U.S., consistent with the Chase Visa Signature Business benefit framework documented on the Ink Business Unlimited product page and matching the structure on Ink Business Preferred and Ink Business Cash
- Roadside Dispatch: pay-per-use roadside assistance hotline available 24/7 for towing, tire changing, jump-starting, lockout service, fuel delivery, and winching. Cardholder pays a flat fee per service at the time of dispatch; benefit is the dispatch and pricing, not free roadside coverage (per the Chase Ink Business Unlimited Travel and Purchase Coverage overlay)
- Travel and Emergency Assistance Services: 24/7 access to legal and medical referrals and other travel and emergency assistance services while traveling away from home (the cardholder is responsible for the cost of any goods or services obtained; per the Chase Ink Business Unlimited Travel and Purchase Coverage overlay)
- Fraud Protection: Chase monitors for unusual activity on your account and will text, email, or call you if suspected fraud is detected; Zero Liability Protection means you will not be held responsible for unauthorized charges made with your card or account information (does not apply to use of an account by an authorized user)
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Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs:
How to Earn the Bonus
Spend $6,000 in the first 3 months to earn the $750 bonus cash back bonus.
See the Current Offer
Earn $750 bonus cash back
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