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Chase Visa

Ink Business Unlimited Credit Card

The Ink Business Unlimited is the flat-rate twin of the Ink Business Cash, earning 1.5% on everything with no categories to track and no caps. The smart play is to pair it with an Ink Preferred or a Sapphire, so the cashback earned here converts into Ultimate Rewards points that transfer to airline and hotel partners. On its own it is a competent no-fee business card, though held alongside a transferable-points anchor it becomes a quietly powerful UR factory.

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Ink Business Unlimited Credit Card card art
  • Annual fee
    Free
  • Welcome offer
    $750
    after $6,000 in 3 months
  • Recommended credit
    700-810
    Median 720. See why →

Earning rates

on Chase Ultimate Rewards
  • 5x
    Lyft
    Through 9/30/2027
  • 1.5x
    Everything else

Benefits and credits

Purchase and protection benefits

  • Extended Warranty Protection
  • Purchase Protection
    Up to $10,000 · 120d

Fee waivers

  • Employee cards at no cost

Travel and purchase coverage

  • Baggage delay
    $300
    Delay threshold 6h
  • Rental car collision damage waiver
    $60,000
    Primary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
16.74% to 24.74%
Foreign tx
3.00%
Penalty APR (cap)
29.99%
Balance transfer
16.74% to 24.74%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $15 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Business credit card
  • Pre-qualification
    Not disclosed
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports adult AU activity to all three bureaus; does not report minors (under 18).
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

Similar cards

Cards with the most in common, based on the math.

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    Ink Business Cash Credit Card
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    The Ink Business Cash is Chase's entry-level business card, and its appeal comes down to one number: 5% back at office supply stores and on internet, cable, and phone services, which earns real money for a business whose costs are mostly software and shipping.

    $0 annual fee
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  • Wells Fargo Active Cash Card card art
    Wells Fargo Active Cash Card
    Wells Fargo · Visa

    The Active Cash is Wells Fargo's flagship flat-rate card, and the pitch is a single number: unlimited 2% cash rewards on every purchase with no categories to track and no annual fee.

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  • Citi Double Cash Card card art
    Citi Double Cash Card
    Citi · Mastercard

    The Citi Double Cash is the card that made the flat 2% mainstream, and the structure is its whole pitch: 1% when you buy and another 1% as you pay it off, with no categories to track and no annual fee.

    $0 annual fee
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Sources

Data current as of May 22, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.