Ink Business Unlimited® Credit Card
$750 bonus and unlimited 1.5% back with $0 annual fee
Earn unlimited 1.5% cash back on every business purchase with no annual fee and no category tracking. The $750 welcome bonus after $6,000 in 3 months delivers outsized value for a free card. Pair with Chase Sapphire Preferred or Reserve to unlock 14 transfer partners and boost point values to 2+ cents each.
- Annual Fee
- $0
- Ultimate Rewards points · Welcome Bonus
- 75,000
- Highest rate (conditional)
- Up to 5% (Lyft)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
75,000
Ultimate Rewards points
Spend $6,000 in the first 3 months
Earn $750 bonus cash back after spending $6,000 on purchases in the first 3 months. That's 75,000 Ultimate Rewards points — worth up to $1,538 when transferred to travel partners through a Sapphire card.
Earning Rates
- 5%
LyftLimited time
Earn 5% total cash back on Lyft rides through September 30, 2027
- 1.5%
All Other
Unlimited 1.5% cash back on every purchase made for your business
Earning Scenarios
1.5% Back on Every Business Dollar
A business spending $40,000 annually earns $600 in cash back — or $600+ in travel value when points are transferred through a Sapphire card.
5% Cash Back on Lyft Rides
A consultant spending $200/month on Lyft earns $120/year in cash back at the 5% rate (through September 2027).
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$240
in recurring credits (annual)
$20/mo Instacart+
3-month free Instacart+ plus $20 monthly credit through December 2027
—
Monthly
Insurance & Protections
4 protectionsExtended Warranty Protection
secondary
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Travel and Emergency Assistance
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Auto Rental Coverage
$60,000
primary
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Purchase Protection
$10,000
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Program & Transfers
Chase Ultimate Rewards
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the World of Hyatt transfer, widely considered the best hotel transfer value in the industry, at 4:3 since October 1, 2026 (1,000 points become 750 Hyatt points). With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. Southwest Rapid Rewards is a 1:1 partner, one of two transferable currencies (with Bilt) that reach Southwest. Chase's Southwest card terms do not say whether transferred points count toward the Companion Pass. Points Boost is card-specific: the Sapphire Preferred can reach up to 1.5 cents per point on select flights and hotels through Chase Travel, while the Sapphire Reserve can reach up to 2 cents per point. Pay Yourself Back values also depend on the card and current offer. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards useful for both beginners and optimization experts.
Program Ratings
Recent Changes & News
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Sweet Spots — Best Redemptions
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | Europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | Europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | Europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | Europe |
| Intra-Europe in Economy | 7,500 | Flying Blue | economy | Europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | Europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | United States |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | United States |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | United States |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | United States |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | United States |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | United States |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | Europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | Europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | Europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | Europe |
| US to Europe in Economy | 25,000 | Flying Blue | economy | Europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | Europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | Europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | United States |
Showing top 20 of 54 sweet spots
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesCategory Rankings (1 category)
How It Compares
The Ink Business Unlimited earns a flat 1.5% cash back on every purchase with $0 annual fee. Its $750 welcome bonus is massive for a free card. Points become transferable Ultimate Rewards when paired with Sapphire Preferred, Reserve, or Ink Preferred.
Editorial Review
The Chase Ink Business Unlimited is a highly recommended for any small business owner or side hustler looking to rack up Chase Ultimate Rewards points without paying an annual fee.
Key Takeaways
As a no-annual-fee business card, the Ink Business Unlimited delivers outsized value. The sign-up bonus is typically 75,000 points after spending $6,000 in the first 3 months, and we’ve seen it go as high as 90,000 — well worth waiting for. You earn a flat 1.5x on every purchase, making this a great “catch-all” card for ubonused spending. And if you're playing the two-player game, you can earn an additional 20,000 points through referral bonuses. If you're building Chase Ultimate Rewards, this is a straightforward choice addition to your card setup.
Why This Card Could Be Right For You
The Chase Ink Business Unlimited is ideal for small business owners and freelancers who want simplicity and long-term value. It’s especially powerful when paired with a Chase Sapphire Preferred or Reserve card to access travel transfers.
- Earn 75,000 points after spending $6,000 in the first 3 months (worth $750+ in travel, or much more with transfer partners)
- Get 1.5x points on every purchase, with no caps or categories to track
- Enjoy built-in travel and purchase protections, 5x points on Lyft rides, and the ability to hold multiple cards across businesses
To transfer points to travel partners, you’ll need to combine your rewards with a Chase Sapphire Preferred or Reserve account. Once you do, those points become some of the most valuable in the game.
Read full review (4 more sections)
When The Usual Advice Doesn't Apply
This card may not be ideal if:
- You're hoping for a higher bonus — sign up bonuses have reached 90,000 points in the past, and may return
- You prefer category multipliers for business spend — Ink Cash offers 5x on office supplies and 2x on gas and dining
What to Know About Chase Ultimate Rewards
Chase Ultimate Rewards is our most valued point system.
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
How The Chase Ink Business Unlimited Credit Card Fits In The Chase Ultimate Rewards Ecosystem
This card pairs perfectly with the Chase Sapphire family and other Ink business cards to help you optimize every dollar you spend.
- Compared to the Ink Business Cash, this card earns 1.5x on all purchases (vs. category-specific multipliers on the Cash)
- Neither the Cash nor Unlimited allows direct point transfers to travel partners — you must combine with a Sapphire Preferred or Reserve
- Both cards avoid the 5/24 rule, making them ideal for building up points without affecting personal card eligibility
If you have multiple businesses or side hustles, you can apply for more than one Ink Unlimited (or Ink Cash). Just space out your applications by 3–6 months and keep some spend on each card to stay in Chase’s good graces. Canceling unused cards after a year is also a good housekeeping move if you’re not using them.
My Experience, No Filter
In our two-person household, my wife and I used our various side gigs to open multiple Ink Business Unlimited cards. We referred each other to earn 20,000-point referral bonuses, and we timed our applications during elevated 90,000-point offers. That meant 110,000 points per card, and we repeated the strategy across multiple businesses. For a no-annual-fee card, it’s one of the best plays in the game. The points stacked up fast — and they transferred perfectly to our Sapphire Reserve for 1.5x travel redemptions.
Pros and Cons
Pros
- +No annual fee reduces overhead costs
- +Unlimited 1.5% back on all business purchases with no caps on the base rate
- +5% total cash back on Lyft rides through September 2027
- +$750 welcome bonus is substantial for a no-annual-fee card
- +Points transfer to Chase Ultimate Rewards partners when paired with Sapphire or Ink Preferred
- +Free employee cards with individual spending limits
- +0% intro APR period available for purchases
Cons
- -$6,000 spend requirement in 3 months for welcome bonus may be high for small businesses
- -1.5% flat rate is lower than 2% competitors like Wells Fargo Signify Business Cash or Capital One Spark Cash
- -Points are worth only 1 cent each unless paired with a premium Chase card
- -No trip cancellation, trip delay, or lost luggage insurance (unlike Ink Preferred)
- -Foreign transaction fees apply on international purchases
Who It's Best For
Best For
- Small business owners who want simple flat-rate rewards on all purchases
- Businesses looking for simplicity with a single flat-rate rewards structure
- Chase Ultimate Rewards ecosystem users who want to pool points with Sapphire cards
- Entrepreneurs seeking a no-annual-fee business card with a strong welcome bonus
- Business owners who need free employee cards with spending controls
Not Ideal For
- Businesses with heavy travel expenses who would benefit from travel-specific bonuses
- Those who spend heavily in specific categories that other cards reward at higher rates
- Business owners who prefer cash back over points and won't transfer to travel partners
- Companies needing robust expense management software integrations
The Math: Is $0 Worth It?
First-year value includes $1,350.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$144
Annual Fee
-$0
Net Annual Value
+$144
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 16.99%–24.99% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
Card Family
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Preferred | mid | $95 |
Product changes available between family members without a new credit inquiry.
FAQs
Is it better to use Chase points for travel or cash back?
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
What is the most efficient way to redeem Chase points?
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
Which Chase card is best for rewards?
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
Can you book Airbnb through Chase Travel?
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
Who has more lounges, Chase or Amex?
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Media & Resources
Video Reviews
8 videosMy MOST Used Business Card (Chase Ink Unlimited)
Chase Ink Business Unlimited Review 2022 (UNLIMITED Cash Back Rewards)
Chase Ink Business Unlimited Credit Card Review 2025 | Worth It or Leave It?
Chase Ink Business Unlimited Credit Card Review | Hidden Perks & Downsides (2025)
Ink Business Unlimited vs Ink Business Cash | Best Chase Business Card 2026
Chase Ink Business Unlimited Credit Card Review
Chase Ink Business Unlimited Credit Card Review 2025 | Is this Business Card Worth It?
Third-Party Articles & Reviews
Your guide to the Chase Ink Business credit cards
TPG comparison of all Chase Ink business cards: Unlimited vs Cash vs Preferred vs Premier. Helps readers choose the right Ink card for their spending patterns.
Chase Ink Business Unlimited Credit Card Review: Simple Cash Back With No Annual Fee
Forbes Advisor rates 5.0/5.0. Editor shares personal experience using the card and highlights primary auto rental coverage and extended warranty as standout benefits.
Chase Ink Business Unlimited: 2026 Review - NerdWallet
NerdWallet's editorial team top choice for flat-rate business cash back. Rates the card 5.0/5.0 and highlights the long intro APR period and generous welcome offer.
Ink Business Unlimited Credit Card review: Current welcome offer and no annual fee
TPG rates 4/5 and values the 75,000 point welcome bonus at $1,538 via transfer partners. Key insight: benefits identical to Ink Cash but missing cellphone protection and trip insurance.
Chase Ink Business Unlimited Credit Card Review
Credit Karma review highlighting how business owners can offset expenses by redeeming cash back as statement credits.
6 reasons to get the Ink Business Unlimited Credit Card
TPG guide covering the solid introductory offer, simple earning structure, and no annual fee as key reasons to get this card for businesses big and small.
Chase Ink Business Unlimited Review: Great for Easy Cash Back
Motley Fool review focused on the simplicity of the flat 1.5% cash back structure for busy business owners who don't want to track bonus categories.
Ink Business Unlimited Credit Card 2026 Review
U.S. News comprehensive review covering the no-annual-fee business card with a generous welcome offer and straightforward cash back structure.
Chase Ink Business Unlimited credit card review
Going (formerly Scott's Cheap Flights) review of this no-annual-fee cashback card for small business owners and entrepreneurs looking for flat cash back.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| CardRatings | — | CardRatings: Bonus categories |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
