Ink Business Unlimited® Credit Card

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-23.49% variable
• Rewards: Unlimited 1.5% cash back on every purchase
• Bonus: $750 bonus cash back after $6,000 in purchases in the first 3 months
• Best For: Business owners who want simple flat-rate rewards with a 0% intro APR and no annual fee
• Credit Needed: Good to Excellent (670+)

Overview

The Ink Business Unlimited is the flat-rate workhorse in the Chase business card family. It earns an unlimited 1.5% cash back on every purchase with no categories to track, no spending caps, and no annual fee. The card also offers a $750 bonus after spending $6,000 in the first three months, making it one of the most valuable no-annual-fee business cards available.

A key feature is the 0% introductory APR for 12 months on purchases, which gives business owners breathing room to finance equipment, inventory, or other startup costs. After the intro period, the ongoing APR of 17.49%-23.49% is competitive for a business card. The card also integrates with Chase Ultimate Rewards, meaning your cash back is technically earned as points that can be transferred to a Sapphire or Ink Business Preferred card for enhanced redemption.

The combination of no annual fee, a generous sign-up bonus, a 0% intro APR, and unlimited flat-rate rewards makes this card the default choice for business owners who want simplicity. It pairs exceptionally well with the Ink Business Preferred, where the unlimited 1.5X points on non-bonus spending funnel into the same Ultimate Rewards pool for transfer to airline and hotel partners.

APR Breakdown

• Purchase APR: 17.49%-23.49% variable
• Balance Transfer APR: 17.49%-23.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: Up to 29.99% variable

Note: 0% intro APR for the first 12 months on purchases. After that, the variable APR of 17.49%-23.49% applies based on creditworthiness and the Prime Rate.

Benefits Overview

Flat-Rate Cash Back

• Unlimited 1.5% cash back on every purchase
• No spending caps or category restrictions
• Rewards earned as Ultimate Rewards points for added flexibility
• No annual fee to offset your earnings

Introductory APR

• 0% intro APR for 12 months on purchases
• Finance large business expenses interest-free for the first year
• Competitive ongoing APR of 17.49%-23.49% after the intro period

Ultimate Rewards Integration

• Points can be combined with Ink Business Preferred or Sapphire cards
• Transfer combined points to airline and hotel partners at 1:1
• Points worth 25% more through Chase Travel when paired with Preferred
• Free employee cards that earn rewards on business spending

Rewards & Points

• 1.5% unlimited cash back on every business purchase

Rewards are earned as Ultimate Rewards points at 1.5 points per dollar. On their own, they redeem at 1 cent per point. When combined with Ink Business Preferred or Sapphire Preferred/Reserve points, they can be transferred to partners or redeemed through Chase Travel at enhanced rates.

Welcome Bonus

Earn $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening. The bonus is deposited as 75,000 Ultimate Rewards points, which can be redeemed as a statement credit, direct deposit, or combined with other Ultimate Rewards cards for travel partner transfers.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: Either $5 or 5% of the amount, whichever is greater
• Cash Advance Fee: Either $15 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40
• Employee Card Fee: $0

Who This Card Is Best For

Ideal For

• New business owners who need a 0% intro APR to finance early expenses
• Simplicity seekers who want flat-rate cash back without managing categories
• Ink Business Preferred holders who want to maximize non-category spending through the same rewards pool
• Cost-conscious businesses that want a no-annual-fee card with a high sign-up bonus

Not Good For

• Heavy category spenders who could earn 3X-5X with the Ink Preferred or Ink Cash instead
• International businesses due to the 3% foreign transaction fee
• Businesses wanting premium perks like cell phone protection or trip insurance

Key Pros & Cons

Pros

• $750 bonus cash back is exceptional for a no-annual-fee card
• Unlimited 1.5% cash back on every purchase with no caps
• 0% intro APR for 12 months gives flexibility on large purchases
• No annual fee ever
• Seamless integration with Chase Ultimate Rewards ecosystem
• Points combine with Ink Preferred or Sapphire for transfer partners
• Free employee cards that also earn 1.5% back
• Competitive ongoing APR of 17.49%-23.49%
• No spending categories to track or activate

Cons

• 1.5% flat rate is below the 2% offered by some competing flat-rate cards
• 3% foreign transaction fee limits international business use
• $6,000 spending requirement in three months may be steep for very small businesses
• No cell phone protection or travel insurance benefits
• Transfer partners only accessible when paired with a premium Chase card
• No bonus earning categories for heavy spenders in specific areas
• Late payment fee up to $40 can add up if cash flow is tight

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $1,470 including the $750 bonus. When paired with the Ink Business Preferred, the 1.5X points become worth 1.875 cents each through Chase Travel, raising the ongoing value to $900 per year on $48K spend.

Should You Get This Card?

You Should Get It If...

• You want a simple no-annual-fee business card with generous cash back
• You need a 0% intro APR to finance business purchases interest-free
• You already hold or plan to get the Ink Business Preferred for point transfers
• Your spending is spread across many categories rather than concentrated
• You want a high sign-up bonus without paying an annual fee
• You value set-it-and-forget-it rewards over category optimization

You Should Skip It If...

• You spend heavily in specific categories where 3X-5X cards earn more
• Your business has international expenses and you need no foreign transaction fees
• You prefer a flat 2% card and do not plan to use the Ultimate Rewards ecosystem
• You want travel protections or cell phone coverage from your business card
• You already have enough flat-rate cards and need specialized category earning

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.