Chase Ink Business Unlimited

Earning Rates

Key Benefits

• 1.5% on everything
• Huge $900 bonus
• No annual fee
• Converts to UR points

All Benefits

• New cardmember welcome offer: earn $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening, per the Chase Ink Business Unlimited product page (the new cardmember bonus may not be available to applicants who have ever had this card or any other Chase for Business card without an annual fee, and Chase may consider factors pertinent to the business in determining bonus eligibility)
• $0 annual fee on the primary card (per the At A Glance section of the Chase product page)
• 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)
• 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)
• 0% intro APR for 12 months from account opening on purchases (note: this is a purchases-only intro APR; the Ink Business Unlimited product page does not list a 0% intro APR on balance transfers, unlike Chase's personal Freedom cards)
• After the intro period a variable APR of 16.74%-24.74% applies on purchases (rates as listed on the Chase Ink Business Unlimited product page on 2026-05-23)
• 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)
• Refer-A-Business bonus: existing Chase for Business cardmembers can earn 20,000 Ultimate Rewards bonus points for each business that gets approved for any Chase for Business credit card via the cardmember's referral link, up to a maximum of 100,000 bonus points per year (per the refer business owners panel on the Chase Ink Business Unlimited product page)
• 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
• 1:1 transfer to Chase Ultimate Rewards airline and hotel partners and Points Boost on Chase Travel: Not offered with the Ink Business Unlimited alone (the Ink Business Unlimited earns Ultimate Rewards points that function as cash back at 1 cent per point on this card; to unlock 1:1 transfers to Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, Iberia Club, JetBlue TrueBlue, Singapore KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG One Rewards, Marriott Bonvoy, and World of Hyatt, and to access Chase Travel Points Boost valuations up to 1.75 cents per point on select flights, cardholders must also hold a Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, or Chase Ink Business Premier and pool points into that premium account)
• Foreign 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)
• 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)
• Visa 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
• 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)
• Mobile wallet support: Apple Pay, Google Pay, and Samsung Pay; EMV chip and contactless tap-to-pay for in-person purchases worldwide
• Account management tools: Chase Online for Business and the Chase Mobile app provide year-end account summaries, downloadable transactions in CSV, QFX, and QBO formats, and integrations with QuickBooks, Quicken, Excel, and most accounting platforms
• Chase Pay Over Time: eligible business cardmembers can break up qualifying purchases of $100 or more into fixed monthly payments at a fixed APR with no separate origination fee, viewable in Chase Online for Business (per the Chase Ink Business Unlimited Chase Pay Over Time overlay)
• Subject to Chase's 5/24 rule for application approval: applicants who have opened 5 or more credit cards across any issuer in the prior 24 months are typically denied for Ink Business Unlimited, per widely documented Chase underwriting behavior across the Chase Ink and Chase Sapphire product family (well-documented in the points and miles community at Doctor of Credit and One Mile at a Time); importantly, Chase business cards including Ink Business Unlimited do not report to personal credit bureaus once opened, so the card itself does not count toward another issuer's 5/24-style limits going forward
• 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 Air Canada Aeroplan 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)
• Bonus categories beyond Lyft: Not offered (unlike the sister Chase Ink Business Cash, which earns 5% on the first $25,000 at office supply stores and on internet, cable, and phone services and 2% on the first $25,000 at gas stations and restaurants per anniversary year, the Ink Business Unlimited has no rotating or fixed bonus categories aside from the 5% Lyft promotion through 09/30/2027)
• Cell Phone Protection: Not offered on Chase Ink Business Unlimited (Chase reserves cell phone protection for the paid-AF Ink Business Preferred at up to $1,000 per claim with a $100 deductible and 3 claims per 12 months, and for Ink Business Premier; the $0 AF Ink Business Unlimited does not include this benefit even though business owners frequently put their phone bill on their business card)
• Trip Cancellation and Interruption Insurance, Trip Delay Reimbursement, Baggage Delay Insurance, Lost Luggage Reimbursement, and Travel Accident Insurance: Not offered on Chase Ink Business Unlimited (Chase reserves these five travel insurance protections for Ink Business Preferred at $5,000 per trip cancellation and $500 trip delay, Ink Business Premier, and the Sapphire family; the $0 AF Ink Business Unlimited's travel and purchase coverage list on the Chase product page does not include any of them)
• Annual statement credits: Not offered (no airline incidental credits, no hotel credits, no DoorDash dollar credits, no Global Entry / TSA PreCheck / NEXUS application fee credit, and no Lyft monthly credit on Ink Business Unlimited; these perks are reserved for premium Chase cards like Sapphire Reserve and Ink Business Premier)
• Lounge access and elite status: Not offered (no Priority Pass, no Sapphire Lounge access, no Chase Sapphire Lounge by The Club access, and no complimentary hotel or airline elite status; the Ink Business Unlimited is positioned as a $0 AF flat-rate cashback workhorse, not a premium travel card)

Chase Ultimate Rewards points transfer to these loyalty programs:

United MileagePlus

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Southwest Rapid Rewards

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British Airways Avios

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Singapore KrisFlyer

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Air France/KLM Flying Blue

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Emirates Skywards

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Air Canada Aeroplan

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World of Hyatt

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Marriott Bonvoy

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IHG One Rewards

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