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Pros & Cons
Pros
- +Welcome Bonus: $750
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (3%)
Our Review
Power Your Business with the Chase Ink Business Unlimited℠ Credit Card
- $750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening
- 1.5% unlimited cash back on every purchase, with no caps or category tracking
- 0% intro APR on purchases for 12 months to finance big expenses interest‑free
- No annual fee and free employee cards with customizable spending limits
- 3% foreign transaction fee on purchases made abroad
Whether you’re stocking inventory, paying vendors or covering travel costs, earn a flat 1.5% back on every dollar without the hassle of bonus categories. Enjoy a generous welcome offer, a long 0% APR period to smooth out cash flow, and seamless account management in the Chase Mobile® app. Combine your cash back with other Chase business cards to boost your rewards earning even further.
Terms apply. Bonus cash back awarded after meeting the spend requirement. Regular APR applies after intro period. See issuer’s site for full details.
Rewards
All Spending
1.5x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
Cash Back/yr
Estimated Value
$450
After Fees
+$450
1st Year Value
$458
incl. welcome bonus
Breakdown
Additional Benefits
- 5% total cash back on Lyft rides through 09/30/2027.
- Complimentary three-month Instacart+ membership; once activated, Instacart+ members get a $20 Instacart credit each month loaded into their Instacart Business account.
- Redeem cash back as a statement credit against your balance or as a direct deposit to most U.S. checking and savings accounts, with no minimum to redeem.
Travel Insurance
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee3%
Terms & Conditions
Card Features
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 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 & more through Chase Ultimate Rewards®.
- Employee cards at no additional cost (set spending limits).
- Round-the-clock monitoring for unusual credit card purchases.
- Zero Liability protection for unauthorized charges.
- 0% Intro APR for 12 months on purchases.
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.