Reviewed by the editorial team
Apply on official site ↗You'll be taken to Chase's secure website.
⚖ Add to comparisonChase · Visa
Ink Business Unlimited Credit Card
Use the Ink Business Unlimited as the flat-rate floor for business spending that doesn't fall into a bonus category: 1.5% on everything, no caps, no annual fee, plus a 12-month 0% intro APR on purchases that's handy for financing startup costs. On its own the cash back isn't transferable, so the trick is pairing it with an Ink Preferred or a Sapphire to convert that 1.5% into transferable points. There's a 3% foreign fee, so it's a poor travel companion, and it's subject to 5/24. Pair it with a 5%-category card like the Ink Cash and you've covered most spending; confirm the bonus on Chase's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓A flat 1.5% on every purchase with no spending caps
- ✓Pair it with a premium Chase card to turn the cash back into transferable points
- ✓Employee cards come at no cost
👍 Pros
- + Carries no yearly fee
- + Straightforward flat-rate earning
- + A 0% intro APR on purchases
👎 Cons
- – Tacks on a 3% fee for foreign transactions
- – You need a business to qualify
- – Falls under the Chase 5/24 rule
Can you get it?
- ▸A real business or side gig qualifies, sole proprietors included
- ▸Personal credit in the good-to-excellent range
- ▸Falls under the Chase 5/24 rule
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Ink Business Unlimited Credit Card?
Finish your application on Chase's own secure site.
Apply now ↗Was this helpful?
Put it up against similar cards
Chase Sapphire Preferred Card
Chase
If you want transferable points without paying for lounge access you'll never use, the Pr…
Chase Sapphire Reserve
Chase
This only makes sense if you'll burn through the annual travel credit and use Priority Pa…
Chase Freedom Unlimited
Chase
A solid no-fee everyday card, but its real value shows up only when you also hold a Sapph…
Questions & Answers
No questions yet. Be the first to ask!
Comments (0)
No comments yet. Share your experience!