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Chase Visa

Ink Business Unlimited Credit Card

The flat-rate twin of Ink Business Cash. 1.5% on everything, no categories to track and no caps. The smart play is to pair it with an Ink Preferred or a Sapphire so the cashback you earn here converts to Ultimate Rewards points that transfer to airline and hotel partners. By itself it is a competent no-fee business card; 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

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    Blue Cash Everyday is the no-annual-fee Blue Cash sibling: 3% back on the same supermarket-online-gas trio that the Preferred earns 6% on, capped at a more modest $6,000 per category per year.

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Sources

Data current as of May 22, 2026 Report an inaccuracy

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ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

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