The Ink Business Unlimited® Credit Card (see rates and fees) is a business credit card with no annual fee and a lot to offer, including a generous flat-rate cash back benefit on all purchases, a valuable intro APR and a generous welcome offer.
New Ink Business Unlimited cardholders can earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
If you're in the market for a business credit card, here's everything you need to know about this offer.
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Chase Ink Business Unlimited welcome bonus
Earn a $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
While this is a cash-back business credit card, you earn cash back in the form of Chase Ultimate Rewards® points. You can redeem these points for one cent each toward statement credits, gift cards and travel (booked through Chase Travel℠). The $1000 cash bonus is equivalent to 100,000 Ultimate Rewards points. That's important because you can pair this card with certain other Chase credit cards to unlock even more valuable redemptions.
These cards also enable transfers to all of Chase's Ultimate Rewards® travel partners. You could combine your points and transfer at a 1:1 ratio to loyalty programs such as Air Canada Aeroplan, United MileagePlus, Southwest Rapid Rewards, World of Hyatt and more. This allows you to book more expensive travel awards with your points. You could realistically stay in a $500+ a night hotel by transferring 30,000 points to World of Hyatt, or book a $3,000+ business-class award flight from the U.S. to Europe by transferring 70,000 points to Air Canada Aeroplan.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
3.09% with a daily balance of $5,000,000 or below; 3.90% with a daily balance above $5,000,000
$100 to open account
2.75%
None
Chase Ink Business Unlimited benefits and rewards
The Ink Business Unlimited earns 5% cash back on Lyft rides (through September 2027) and 1.5% cash back on all other purchases.
There's no annual fee and you can add employee cards for free. You can also save on interest with an intro APR on purchases.
Compared to other no-annual-fee business cards, it has a solid list of insurance perks, including:
- Travel and emergency assistance services
- Rental car collision damage waiver
- Roadside dispatch
- Purchase protection
- Extended warranty protection
Who's eligible for this offer?
To qualify for a business credit card, such as the Ink Business Unlimited, you'll need to have some sort of business venture. However, it doesn't need to be your full-time career. You may qualify for a business card if you have a side hustle or freelance work.
You may not need an Employer Identification Number from the IRS to apply for a Chase business credit card. If you're a sole proprietor, you can typically use your Social Security Number as your business tax ID.
This card typically requires a good to excellent credit score, and you'll usually need to be under the unofficial Chase 5/24 rule. That means you'll have a better chance of getting approved if you've opened fewer than five credit cards from any bank in the past 24 months.
Alternative cards to consider
If the Ink Business Unlimited doesn't offer what you're looking for in a business credit card, there are valuable alternatives.
The Chase Ink Business Preferred® Credit Card (see rates and fees) has a $95 annual fee but allows point transfers and has an excellent list of 3X bonus categories on up to $150,000 in combined purchases each calendar year.
You'll also get additional benefits such as cell phone insurance, trip delay reimbursement and trip cancellation and interruption coverage.
The Ink Business Preferred® Credit Card is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as World of Hyatt, Southwest Rapid Rewards and many more
- Valuable welcome bonus worth $1,125 in travel when redeemed through Chase Travel
- Strong travel and shopping protections
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase TravelSM. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
If a no-annual-fee cash-back card is more up your alley, the Signify Business Cash℠ Card by Wells Fargo can be a good fit. It earns 2% cash back on every purchase and offers an intro APR on purchases. While the Wells Fargo Signify Cash card offers a higher return on every dollar you spend, its welcome bonus is significantly less valuable.
- High flat-rate rewards
- Intro APR for a year on purchases
- No annual fee
- Airport lounge access has a per-visit fee
- Has a foreign transaction fee
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