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  1. Credit Cards
  2. Ink Business Unlimited® Credit Card
Chase

Ink Business Unlimited® Credit Card

The Ink Business Unlimited Credit Card is built for small business owners who want a straightforward, flat-rate rewards card with no annual fee. It offers a simple 1.5% cash back on every business purchase without requiring you to track spending categories or manage caps.

Welcome Offer
Earn $750 bonus cash back
Annual Fee
$0
Rec. Credit Score
Good
Good For
Simple business cash back
Learn MoreEstimate your value
Ink Business Unlimited® Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Ink Business Unlimited® Credit Card worth it?

This card is great for...

Everyday business expenses

No-fee rewards earning

Chase points transfer pairing

For business owners seeking a low-maintenance card, the Ink Business Unlimited delivers strong, consistent value. Earning 1.5% cash back on every purchase makes it an ideal fit for diverse overhead expenses, vendor payments, and everyday operations that do not fit into typical bonus categories. Because there is no annual fee, every dollar earned goes directly back into your business bottom line.

The card becomes even more valuable if you hold an annual-fee Chase card like the Ink Business Preferred or Sapphire Reserve. You can combine your earnings into a single Ultimate Rewards account, effectively converting your flat-rate cash back into flexible travel points for higher redemption value. Just keep in mind that the card incurs a 3% foreign transaction fee, so it is best kept for domestic purchases.

MaxRewards

MaxRewards Verdict

The Ink Business Unlimited is an excellent choice for business owners who want uncomplicated 1.5% rewards on all purchases with no annual fee. It is particularly effective as a standalone cash-back card or as a flat-rate earning companion to a premium Chase travel card.

Welcome Offer

Earn $750 bonus cash back

after you spend $6,000 on purchases in the first 3 months from account opening.

Est. Value

$750

Required Spend

$6,000

Time Frame

3 Months

Est. Value

$750

Required Spend

$6,000

Time Frame

3 Months

Earning

Rewards

This card simplifies business rewards by offering a single, flat earning rate on all company spending, paid out as Chase Ultimate Rewards points that can be redeemed for cash back, gift cards, or travel.

CategoryRate

Business Purchases

2.3%

Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point

Annual Credits & Perks

Benefits

Despite charging no annual fee, this card offers valuable business protections like primary auto rental coverage along with monthly statement credits for delivery services.

BenefitAnnual value
$240

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Ink Business Unlimited® Credit CardUp to $240 in Instacart credits
Autotracked
$0 of $20Every month

Benefits

Insurance

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.


Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.


Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.


Auto Rental Coverage

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.

Benefits

Status & Access

Complimentary Instacart+ Membership

Get three months of $0 delivery fees on groceries and more with a complimentary Instacart+ membership through 12/31/27.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

16.74% - 24.74%

Variable

Transfer APR

16.74% - 24.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$15

Late Payment

None

For rates and fees of Ink Business Unlimited® Credit Card, please visit the Chase website.

Table of Contents

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #2Best Business Credit CardsView list

Other cards from Chase

See all 46 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details