Ink Business Unlimited Card
| Annual fee | $0 Fact |
| Foreign transaction fee | 3% |
| Rewards currency | cash back |
| Cash back value | 1.00¢ Fact |
Last updated Oct 23, 2026
Checked Oct 28, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: $1,000 creditView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Jan 2023 · 14 mo | $750 credit | $7,500 |
| Jan 2023 to Mar 2023 · 2 mo | $900 credit | $6,000 |
| Mar 2023 to Sep 2023 · 6 mo | $750 credit | $6,000 |
| Sep 2023 to Jan 2024 · 4 mo | $900 credit | $6,000 |
| Jan 2024 to Sep 2025 · 19 mo | $750 credit | $6,000 |
| Sep 2025 to Nov 2025 · 2 mo | $900 credit | $6,000 |
| Nov 2025 to Jun 2026 · 7 mo | $750 credit | $6,000 |
| Jun 2026 to Jul 2026 · 1 mo | $1,000 credit Best | $8,000 |
| Jul 2026 to now · 3 mo | $750 credit | $8,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Transit and rideshare | 5% | cash back | No cap |
| Everything else | 1.5% | cash back | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 5% | Earn a total of 5% cash back on Lyft rides (3.5% additional on top of the base 1.5%) through September 30, 2027. |
Recurring credits
Estimated value| Once activated, Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business Account. Shared across the account
|
$240/yr (Monthly) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsProvides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home.
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.
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.
Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Call the service provider to dispatch help for a roadside emergency; roadside service fees will be billed to your card at time of dispatch.
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.
Complimentary three-month Instacart+ membership (auto renews at $99/year after complimentary period). Benefits end 12/31/27.
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 on the Ink Business Unlimited
Card factsEmployee cards are free.
Each employee card gets
- Auto rental coverage
- Extended warranty protection
- Purchase protection
Shared across the account
- Instacart monthly credit