Chase Ink Business Unlimited
No fee
Chase
Chase Ink Business Unlimited
4.5
(876 reviews)businesscashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The simplest business cash back card — earn 1.5% on everything with no tracking, no categories, no caps. Pair with a Chase Ink Business Preferred to convert cash back to transferable Ultimate Rewards points, dramatically increasing their value.
Annual Fee
No annual fee
Purchase APR
18.49% – 24.49%
Rewards
1.5% base rate
Sign-Up Bonus
$750 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Chase Ink Business Unlimited is best suited for established credit users who businesses wanting simple flat-rate rewards. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- Flat 1.5% on all business spending
- 0% intro APR for 12 months
- Businesses wanting simple flat-rate rewards
Consider another card if you…
- 3% foreign transaction fee
- Lower rate than category cards
- No travel perks
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 18.49% – 24.49% |
| Intro APR (Purchases) | 0% for 12 months |
| Intro APR (Balance Transfer) | 0% for 12 months |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
Flat 1.5% on all business spending
0% intro APR for 12 months
No category tracking needed
Employee cards free
3% foreign transaction fee
Lower rate than category cards
No travel perks
The Bottom Line
The Good: The Chase Ink Business Unlimited stands out for its no annual fee. The welcome bonus worth $750 adds significant first-year value.
The Not So Good: 3% foreign transaction fee.
Our Verdict: With an editor score of 8/10, the Chase Ink Business Unlimited is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Chase Ink Business Unlimited?▾
The Chase Ink Business Unlimited has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Chase Ink Business Unlimited?▾
The Chase Ink Business Unlimited currently offers a sign-up bonus worth approximately $750. $750 after spending $6,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Chase Ink Business Unlimited?▾
The Chase Ink Business Unlimited earns 1.5% on all purchases. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Chase Ink Business Unlimited?▾
The Chase Ink Business Unlimited is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Chase Ink Business Unlimited charge a foreign transaction fee?▾
Yes, the Chase Ink Business Unlimited charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Chase Ink Business Unlimited?▾
The Chase Ink Business Unlimited has a variable purchase APR of 18.49% – 24.49%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Chase Ink Business Unlimited best for?▾
The Chase Ink Business Unlimited is best for Businesses wanting simple flat-rate rewards. A key advantage: no annual fee.
Customer Reviews
4.5
876 reviews
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