Ink Business Unlimited® Credit Card
This card suits owners who want business rewards without category management. Every purchase earns 1.5%, employee cards are free and new accounts get 0% intro APR on purchases for 12 months. The current welcome offer is elevated to $1,000 cash back after $8,000 in spend. It charges 3% on foreign transactions, so keep it domestic.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Elevated $1,000 welcome offer, up from the standard $750, for $8,000 in spend
- Unlimited 1.5% with no category tracking
- 0% intro APR on purchases for 12 months to smooth early cash flow
- Free employee cards with individual spending limits
- Primary auto rental coverage up to $60,000 when renting for business
- Purchase protection for 120 days, up to $10,000 per item, plus extended warranty
- Complimentary 3 month Instacart+ membership and a $20 monthly Instacart credit through 12/31/27
- Annual fee: $0
- Purchase APR: 0% intro for 12 months, then 16.74% - 24.74% Variable
- Balance transfer APR: 16.74% - 24.74% Variable, no intro APR on transfers
- Balance transfer fee: either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, fee either $15 or 5% of each transaction
- Foreign transaction fee: 3% of each transaction in U.S. dollars
- Late payment fee: $40
- Missing a minimum payment can end the intro APR and trigger a default APR of up to 29.99%
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You want business rewards with zero bookkeeping: 1.5% on everything, no caps, no activation.
- Your business can clear $8,000 in 4 months, which currently returns a $1,000 bonus, a 12.5% return on that spend.
- You have equipment or inventory to buy and want 12 months at 0% intro APR instead of a loan.
- You issue cards to employees and want spending limits without per-card fees.
- You should skip it if your spending clusters in office supplies, internet or telecom. The Ink Business Cash pays 5% there.
Ink Business Unlimited® Credit Card Review
The Ink Business Unlimited is the flat-rate member of Chase's no-fee business trio, and its welcome offer currently sits at an elevated $1,000. This review covers the earning, the intro APR and how it stacks with the other Ink cards.
How You Earn
One rate on everything. The elevated Lyft rate is the only category on the card.
- 1.5% cash back on every purchase, unlimited
- 5% total cash back on Lyft rides through 9/30/2027
- Employee card spending earns at the same rate
| Category | Earn rate |
|---|---|
| All purchases | 1.5% |
| Lyft rides through 9/30/2027 | 5% |
How You Redeem
Rewards accrue as Ultimate Rewards points with no minimum to redeem.
- Statement credit or direct deposit to most U.S. checking and savings accounts
- Gift cards, travel through Chase Travel and the Apple Ultimate Rewards Store
- Pairs with an Ink Business Preferred or Sapphire card to convert cash back into transferable points
Benefits and Protections
Business-grade limits apply, higher than Chase's consumer no-fee cards.
- Purchase protection: 120 days, up to $10,000 per item
- Extended warranty: one added year on eligible warranties
- Primary auto rental coverage up to $60,000 when renting for business purposes
- Roadside assistance dispatch and travel and emergency assistance
- Zero liability and fraud monitoring
Who This Card Is For
It is the default first business card: free, flat and forgiving. Owners with concentrated category spending or travel ambitions should look at the other two Ink cards, or hold both and route spending accordingly.
- New businesses building credit under a real bonus
- Owners who value one flat rate over category math
- Teams that need free employee cards with limits
Comparison
| Feature | Ink Business Unlimited® Credit Card | Capital One Spark 1.5% Cash Select | Blue Business Cash® Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | $1,000 after $8,000 in 4 months | $750 after $6,000 in 3 months | None shown on issuer page |
| Rewards Rate | 1.5% on everything | 1.5% on everything | 2% on first $50,000 per year, then 1% |
| Intro APR | 0% for 12 months, purchases | 0% for 9 months, purchases | 0% for 12 months, purchases |
| Foreign Transaction Fee | 3% | None | 2.7% |
| Best For | Chase ecosystem flat rate | Flat rate with no foreign fee | 2% on capped spend |
Issuer Comparison
| Feature | Ink Business Unlimited® Credit Card | Ink Business Cash® Credit Card | Ink Business Preferred® Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $95 |
| Welcome Offer | $1,000 after $8,000 in 4 months | $1,000 after $8,000 in 4 months | 100,000 points after $8,000 in 3 months |
| Rewards Rate | 1.5% on everything | 5% office and telecom, 2% gas and dining, capped | 3x travel and business categories, capped |
| Key Credits | Instacart+ 3 months, $20 monthly credit | Instacart+ 3 months, $20 monthly credit | DashPass 1 year, $10 monthly promo |
| Best For | Flat-rate simplicity | Office and telecom spend | Business travel points |
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