Ink Business Unlimited®: 1.5% Cashback for Business Spending
Earn unlimited 1.5% cashback on every business purchase, plus enjoy no annual fee and employee cards at no additional cost for straightforward business rewards.
The Bottom Line
4.5
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Ink Business Unlimited® Credit Card is one of the best no-annual-fee business cards for simple everyday rewards. It earns unlimited 1.5% cashback on all purchases with no bonus categories, spending caps, or activation requirements, making it easy for small business owners to use for general business expenses. The card is especially appealing for businesses that value simplicity and predictable rewards, while still gaining access to useful benefits like employee cards, purchase protections, extended warranty coverage, and integration with the broader Chase Ultimate Rewards ecosystem. When paired with certain premium Chase cards, rewards can also become more valuable through travel transfers and enhanced redemption options. The downside is that businesses with heavy spending in specific bonus categories may earn more with category-focused business cards. The card also lacks premium travel perks and advanced business benefits found on higher-tier options. Overall, this card works best for small business owners seeking straightforward flat-rate rewards and strong long-term value with no annual fee.
Ink Business Unlimited®
Apply now
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
16.74% - 24.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 1.5% cashback on all purchases. Plus, earn 5% cashback on Lyft rides through September 30, 2027.
1.5% - 5% Cashback
Welcome Offer For a limited time, earn a $1,000 bonus after spending $8,000 on purchases in the first four months.
$1000
Welcome Offer
Limited-Time Offer: Earn a $1,000 bonus after spending $8,000 in the four three months.
Rewards
- 1.5% Cashback on all purchases.
- 5% Cashback on Lyft rides through September 30, 2027.
Redemption Options
- Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- Regular APR: After the introductory period, a variable APR of 16.74% - 24.74% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per year.
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Business Tools & Controls
- Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.
- Build Business Credit: Establish your business credit history with responsible use of your business credit card, helping support future access to financing.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Terms and Conditions
- Click Apply Now to see the terms and conditions.