ChaseInk Business Unlimited

4757 4397 5841 7382

VALID THRU 01/32JORDAN TAYLOR

A smiling woman stands in her coffee shop — Photo: Vitaly Gariev / Unsplash

Business Cards · United States

Ink Business Unlimited Credit Card

4.6 / 5 editorial rating

Best for: Simple flat-rate business spend that pairs with a points card

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual feeNo annual fee

IssuerChase

NetworkVisa

Purchase APR16.74%–24.74% variable

Foreign transaction fee3%

Credit neededGood to Excellent (700+)

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

Compare USA cards

Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the Ink Business Unlimited Credit Card

The Ink Business Unlimited is the best choice for a business owner who wants one no-fee card for scattered expenses, because 1.5% on every purchase requires no category tracking and has no cap. As of September 2026 Chase also lists 5% total on Lyft rides through September 30, 2027 and a 0% intro APR for 12 months on purchases.

On its own, 1.5% is middling. Several cards pay 2% on everything, and a business that spends $5,000 a month would earn $300 a year more with one of them. The reason to pick it anyway is how it fits with the Ink Business Preferred or a Sapphire card: Chase lets the rewards be combined as points with those cards, so the 1.5% can be sent to travel partners, which turns a plain cash card into a points earner.

The welcome offer is large for a no-fee card, but Chase asks for $8,000 in purchases in the first four months to earn it, so check that against your real expenses before applying. Once the intro APR ends, the variable rate runs from 16.74% to 24.74%, which makes it a poor place to finance equipment long term.

Good fit if

Your business expenses are spread across many vendors with no dominant category
You hold an Ink Business Preferred and want to earn more than 1x on non-bonus spending
You're buying equipment and want 12 months at 0% intro APR on purchases

Skip it if

Your spending is concentrated at office supply stores or on telecom bills, where the Ink Business Cash pays more
You don't hold a Chase points card and could get 2% elsewhere

Worked example

Assume your business spends $4,000 a month across software, supplies, meals and contractors that accept cards. That is $48,000 a year at 1.5%, or $720 in cash back with no annual fee. If you hold an Ink Business Preferred and combine the rewards as 72,000 points, we still value them at a conservative 1 cent each here, so $720 is the floor. If $100 a month of that spending is business Lyft rides, that portion earns 5% instead, adding $42.

How it stacks up

The Ink Business Cash also has no fee and pays 5% on the first $25,000 a year at office supply stores and on internet, cable and phone, then 2% on the first $25,000 at gas stations and restaurants, so it wins for businesses with those costs. The Ink Business Preferred charges $95 but earns 3x on advertising, shipping and travel up to $150,000 a year.

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.