Chase Ink Business Unlimited
Chase · Business review
Businesses whose spend doesn't concentrate in a specific bucket — unlimited 1
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
16.74% – 24.74% variable
Variable — verify the current range at the issuer
Intro APR
0% on purchases for 12 months
Then the ongoing APR applies
As of July 22, 2026
Best for
Businesses whose spend doesn't concentrate in a specific bucket — unlimited 1.5% cash back on every purchase, no annual fee, and no earning cap makes this the simplest 'set it and forget it' card in Chase's Ink lineup. There's also 5% total cash back on Lyft rides through September 30, 2027.
Not for
Businesses whose spend clusters in a specific category — Ink Business Cash's 5% office-supply/telecom rate or Ink Business Preferred's 3x travel/shipping/ad rate both beat 1.5% flat for that spend — and owners who want a card that builds personal credit (Chase business cards generally don't report positive activity to personal bureaus).
The catch
Flat 1.5% is the entire pitch — there's no category to optimize around, so a business with real office-supply, telecom, travel, or advertising spend is leaving money on the table versus Ink Business Cash or Ink Business Preferred. The rewards are Ultimate Rewards points redeemable as cash at 1 cpp; they're only worth more if you also hold a Preferred or Sapphire to transfer through.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% on purchases for 12 months
- Ongoing APR
- 16.74% – 24.74% variable
- Foreign transaction fee
- 3%
- Balance transfer fee
- $5 or 5%
- Late payment fee
- Up to $40
- Schumer Box sourced
- July 22, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Chase Ink Business Unlimited's offer changes.
We track Chase Ink Business Unlimited's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Chase Ink Business Unlimited charge an annual fee?
No. The Chase Ink Business Unlimited carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 22, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Chase Ink Business Unlimited charge?
16.74% – 24.74% variable. There is also an intro rate: 0% on purchases for 12 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Chase Ink Business Unlimited charge foreign transaction fees?
Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the Chase Ink Business Unlimited best for?
Businesses whose spend doesn't concentrate in a specific bucket — unlimited 1.5% cash back on every purchase, no annual fee, and no earning cap makes this the simplest 'set it and forget it' card in Chase's Ink lineup. There's also 5% total cash back on Lyft rides through September 30, 2027.
Who should skip the Chase Ink Business Unlimited?
Businesses whose spend clusters in a specific category — Ink Business Cash's 5% office-supply/telecom rate or Ink Business Preferred's 3x travel/shipping/ad rate both beat 1.5% flat for that spend — and owners who want a card that builds personal credit (Chase business cards generally don't report positive activity to personal bureaus).
How did ClearValue score the Chase Ink Business Unlimited?
Chase Ink Business Unlimited scored 88/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Chase Ink Business Unlimited
Other business cards we've scored, ranked by our methodology.
- ChaseSolid pick
Chase Ink Business Cash
85/100Annual fee$0Ongoing APR16.74–24.74%Intro APR0% · 12 moBest forSmall businesses with real office-supply and telecom spend
Fees sourced from issuer terms · 2026-07-16
- ChaseSolid pick
Chase Ink Business Preferred
83/100Annual fee$95Ongoing APR17.74–26.74%Foreign txn feeNoneBest forSmall business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) —
Fees sourced from issuer terms · 2026-07-14
- Capital OneSolid pick
Capital One Spark Cash Plus
80/100Annual fee$150Ongoing APRVariable*Foreign txn feeNoneBest forEstablished businesses spending $50,000+/yr who want flat 2% on everything with no rotating-category tracking and an ann
Fees sourced from issuer terms · 2026-07-15
