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Updated 2026-02-10
ChaseLast verified: February 2026
Ink Business Unlimited® Credit Card
Unlimited 1.5% cash back on every business purchase with no annual fee and a 12-month 0% intro APR on purchases.
on Chase's secure site
Welcome Bonus
1,000 cash
Annual Fee
$0
Base Rewards
1.5x
APR
16.74% - 24.74%
Card Details at a Glance
Last verified: February 2026IssuerChase
Card CategoryBusiness
Annual Fee$0 (No Annual Fee)
Regular APR16.74% - 24.74% (Variable)
Intro APR0% for 12 months
Foreign Transaction Fee3%
Balance Transfer Fee5% (or $5 min)
Base Rewards Rate1.5x on all purchases
Credit Score NeededGood (700+)
Welcome Bonus1,000 cash (spend $8,000 in 4 months)
Pros & Cons
Pros
- Generous 1,000 cash welcome bonus (worth ~$1000)
- No annual fee
- 0% intro APR for 12 months
- Up to 5x rewards on lyft
- Strong 1.5x base rewards on all purchases
Cons
- 3% foreign transaction fee
- Requires good credit (700+) for best approval odds
- High spending requirement ($8,000) for welcome bonus
- 5% balance transfer fee
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
People who prefer simple cash back over points systems
Those who want strong rewards without paying an annual fee
Anyone needing 12 months of 0% interest on purchases
Card Overview
Unlimited 1.5% cash back on every business purchase with no annual fee and a 12-month 0% intro APR on purchases.
Rewards at a Glance
lyft5x
Everything else1.5x
Key Highlights
- Unlimited 1.5% cash back on every purchase, no caps or categories to track
- 5% total cash back on Lyft rides through 9/30/2027
- 0% intro APR for 12 months on purchases (then 16.74%-24.74% variable)
- No annual fee
- $20 monthly Instacart+ credit through 12/31/2027 plus a complimentary 3-month Instacart+ membership
- Chase Pay Over Time available on purchases of $100+
Like what you see?
Apply for the Ink Business Unlimited® Credit Card directly on Chase's secure website.
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Ready to Apply?
Welcome Bonus
1,000 cash
Spend $8,000 in 4 months
Estimated value: ~$1000
Secure application on Chase's site
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Key Benefits
- Unlimited 1.5% cash back on every purchase, no caps or categories to track
- 5% total cash back on Lyft rides through 9/30/2027
- 0% intro APR for 12 months on purchases (then 16.74%-24.74% variable)
- No annual fee
- $20 monthly Instacart+ credit through 12/31/2027 plus a complimentary 3-month Instacart+ membership
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.