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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Ink Business Unlimited Card card art
Ink Business Unlimited 1 of 1
Comparing 1 card
Ink Business Unlimited Card card art
Chase
Ink Business Unlimited
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
$240
Fee after credits
$240 back credits beat the fee
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
3%
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $750 statement credit, about $750
Bonus
$750 statement credit
Estimated value
$750
Spend to earn it less a month is easier
$6,000 in 90 days about $2,000 a month
Earning rates Top rate 5% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Everything else
1.5% back
Only on this card
  • 5% back Transit and rideshare
Statement credits $240 a year
Other credits
  • $240 a year $20 every month
    What counts

    Once activated, Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business Account.

Monthly credits to track fewer is less work
1
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Travel benefits
  • Provides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home.
Protection and insurance 5 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Rental car
  • Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes, providing reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Extended warranty
  • Extends the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Purchase protection
  • Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Roadside assistance
  • Call the service provider to dispatch help for a roadside emergency; roadside service fees will be billed to your card at time of dispatch.
Other coverage
  • Pay off an eligible purchase of $100 or more in smaller, equal monthly payments with no interest, just a fixed monthly fee, with plan durations from 3-24 months.
Lifestyle and other perks 3 perks
Other perks
  • Complimentary three-month Instacart+ membership (auto renews at $99/year after complimentary period). Benefits end 12/31/27. $99
  • Earn 40,000 bonus points for each business that gets approved for any Chase for Business credit card, up to 200,000 points per year.
  • Employee cards let you set individual spending limits and help you earn rewards even faster at no additional cost.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Auto rental coverage
  • Extended warranty protection
  • Purchase protection
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business