Ink Business Unlimited Credit Card
| Annual fee | $0 Fact |
| Foreign transaction fee | None |
| Rewards currency | cash back |
| Est. point value | 2.05¢ Estimate |
Last updated Jul 26, 2026
Checked Jul 26, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Transit and rideshare | 5x | cash back | No cap |
| Everything else | 1.50x | cash back | No cap |
Recurring credits
Estimated value| Once activated, Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business 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.
Break up eligible purchases of $100 or more into 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.