Chase Ink Business Unlimited Credit Card review

Ink Business Unlimited is Chase's flat-rate business card. It pays unlimited 1.5% cash back on every purchase with a $0 annual fee, and new cardmembers can earn $750 cash back after spending $6,000 in the first 3 months. Purchases get a 0% intro APR for 12 months from account opening, then a variable APR of 16.99% to 24.99%. Lyft rides earn 5% total cash back through September 30, 2027. On its own, 1.5% trails the 2% that Wells Fargo Signify Business Cash pays with no fee. The reason to pick this card is the Chase ecosystem: rewards are tracked as points in Chase Ultimate Rewards, the same program used by Ink Business Cash and Ink Business Preferred. Owners who use Ink Business Cash for its 5% categories often add this card for everything else. Chase notes the bonus may not be available if you have ever had another Chase for Business card without an annual fee, so plan the order you apply in.

Who it is for

owners pairing a flat-rate card with Ink Business Cash

Price

$0 annual fee.

Annual Fee $0
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Unlimited 1.5% cash back on every purchase
• $750 cash back after $6,000 in purchases in the first 3 months
• 0% intro APR for 12 months from account opening on purchases, then 16.99% to 24.99% variable
• 5% total cash back on Lyft rides through September 30, 2027
• Rewards redeem through Chase Ultimate Rewards for cash back, gift cards or travel

Strengths and weaknesses

• Strength: $0 annual fee and no categories to track
• Strength: $750 welcome offer matches Ink Business Cash
• Strength: Rewards sit in the same Chase Ultimate Rewards program as other Ink cards
• Weakness: 1.5% is lower than the 2% flat rate from Wells Fargo Signify
• Weakness: Bonus may not be available if you have held another no-fee Chase for Business card
• Weakness: No bonus categories for heavy spend in one area

Key facts

• Annual fee: $0
• Rewards: Unlimited 1.5% cash back
• Welcome offer: $750 after $6,000 in 3 months
• Intro APR: 0% on purchases for 12 months

Where it ranks

Chase Ink Business Unlimited Credit Card is No. 5 in our Best Business Credit Cards verdict.