Ink Business Unlimited Credit Card
A no-annual-fee business card earning a flat 1.5% cash back on every purchase, with a long 0% intro APR and points that become transferable when paired with a premium Chase card.
Why it ranks
- No annual fee
- Simple flat-rate rewards
- 0% intro APR on purchases
What holds it back
- 3% foreign transaction fee
- Requires a business
- Subject to Chase 5/24 rule
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee business card earning a flat 1.5% cash back on every purchase, with a long 0% intro APR and points that become transferable when paired with a premium Chase card.
Ink Business Unlimited Credit Card at a glance
| Issuer | Chase |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Cash back bonus after meeting the minimum spend |
| Rewards rate | Unlimited 1.5% cash back on all business purchases |
| Intro APR | 0% intro APR on purchases for 12 months |
| Regular APR | 18.49%–24.49% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good to Excellent (700+) |
| Best for | Businesses wanting simple flat-rate cash back |
| Airport lounge access | No |
Rewards & benefits
- Flat 1.5% on every purchase with no caps
- Cash back becomes transferable points with a premium Chase card
- Free employee cards
Eligibility & who it suits
- A legitimate business or side venture (sole proprietors qualify)
- Good-to-excellent personal credit
- Subject to Chase 5/24 rule
How to apply
Check current rates on Chase’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CChaseInk Business UnlimitedNo annual fee · US Ink Business Unlimited Credit CardBusinesses wanting simple flat-rate cash back |
None | Unlimited 1.5% cash back on all business purchases | Cash back bonus after meeting the minimum spend | 3% | Good to Excellent (700+) | |
| 2 | CChaseInk Business Preferred$95/yr · US Ink Business Preferred Credit CardSmall businesses with travel and advertising spend |
$95/yr | 3x on travel, shipping, internet/cable/phone and advertising on social media & s… | Large Ultimate Rewards points bonus after the minimum spend | None | Good to Excellent (700+) | |
| 3 | CChaseInk Business CashNo annual fee · US Ink Business Cash Credit CardBusinesses with office supply and telecom spending |
None | 5% at office supply stores and on internet/cable/phone (first $25,000/yr combine… | Cash back bonus after meeting the minimum spend | 3% | Good to Excellent (700+) | |
| 4 | AEAmerican ExpressBusiness Platinum$695/yr · US The Business Platinum Card from American ExpressBusiness owners who travel frequently and value lounge access |
$695/yr | 5x on flights and prepaid hotels via Amex Travel, 1.5x on eligible purchases of… | Large Membership Rewards welcome offer after the minimum spe… | None | Good to Excellent (700+) |
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