Ink Business Unlimited® Credit Card
No-annual-fee flat 1.5% cash back with a 12-month 0% purchase intro APR
Costs & Pricing
Annual fee (primary): $0
Employee card fee: $0
Purchase APR: 16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%)
Intro APR (purchases): 0% fixed for first 12 months (lost if minimum payment missed)
Intro APR (balance transfers): Not offered (account may not be eligible for balance transfers)
Foreign transaction fee: 3%
Cash advance APR: 28.49% variable ($15 or 5% fee, whichever greater)
Late payment fee: $40
Penalty APR: Up to 29.99% variable (may apply indefinitely)
Other fees: Pay Over Time fee: 0% monthly during intro; up to 1.72% monthly after. Balance transfer fee $5 or 5% if eligible.
Rewards & Value
Bonus Categories & Promotions
- ★ 5% total cash back on qualifying Lyft app spend through 9/30/2027 (+3.5% on top of base 1.5%)
Partner Credits & Perks
- ✓ Instacart+ 3 months complimentary, then $99/year auto-renew unless canceled (activate by 12/31/2027)
- ✓ Instacart $20/month credit while Instacart+ active (through 12/31/2027; does not roll over)
- ✓ Lyft 5% total earn boost through 9/30/2027
Transfer partners: Not native on this card; points can be moved to another Ultimate Rewards account for transfer-partner access when paired with eligible cards (e.g., Ink Preferred)
Credit, Limits & Spending
Credit limit: Fixed revolving limit; automatically reviewed for increase at least every 6 months
Personal guarantee: Required — joint and several liability of authorizing officer and business
Credit check: Hard pull on authorizing officer's personal credit (SSN required)
Recommended credit: ~670+ floor / ~690+ realistic bar (unofficial guidance, not guaranteed)
Employee cards: Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts
Virtual cards: Standard digital wallet only; no Ramp/Brex-style virtual card suite
Product type: Revolving business credit card
Network: Visa (Visa Signature Business)
Benefits, Protections & Tools
Travel
- ✓ Primary business-use auto rental CDW up to $60,000 (vehicles MSRP $125,000 or less)
- ✓ Roadside dispatch (pay-per-use, billed to card)
- ✓ Travel and Emergency Assistance (referral only; cardmember pays)
Purchase Protections
- ✓ Purchase protection: 120 days damage/theft, up to $10,000 per item (90 days in NY)
- ✓ Extended warranty: adds 1 year to eligible U.S. warranties of 3 years or less
- ✓ Zero Liability fraud protection
- ✓ 24/7 fraud monitoring and alerts
Business Tools
- ✓ Chase Mobile app with employee card controls
- ✓ Bookkeeping software integration (QuickBooks connectivity commonly used)
- ✓ Year-end summaries; up to 24 months of statements
- ✓ Employee spend limits, lock/unlock, purchase alerts
Eligibility & Application
Who can apply: U.S. small businesses — sole props, LLCs, corporations, partnerships; freelancers and side gigs without formed entity
Business requirements: No published time-in-business or revenue minimums; EIN + owner SSN for entities; sole props may use SSN as tax ID
Issuer rules: Chase 5/24 commonly reported (5+ personal cards in 24 months → likely denial; unofficial). Bonus blocked if prior $0-AF Chase business card held.
Application impact: Hard inquiry on personal credit; Ink cards typically do not report to personal credit in good standing (commonly reported, not official)
Best for: No annual fee Flat-rate cash back 0% intro APR Free employee cards Daily driver
Pros & Cons
Pros
- ✓ $0 annual fee on primary and employee cards
- ✓ Uncapped 1.5% on eligible purchases — simple flat-rate earn
- ✓ 12-month 0% intro APR on purchases
- ✓ Elevated $1,000 / $8,000 / 4-month welcome bonus (as of 9/3/2026); AU spend counts
- ✓ Primary business-use rental CDW up to $60,000 on a no-fee card
Cons
- ✗ 3% foreign-transaction fee
- ✗ No native bonus categories — loses to 2% flats and Ink Cash/Preferred in bonus buckets
- ✗ Personal guarantee + hard personal pull + unofficial 5/24 rule
- ✗ Welcome bonus blocked if you ever held this or another $0-AF Chase business card
- ✗ No balance-transfer intro APR; no cell-phone protection or premium travel credits
Strong Buy (flat-rate daily driver)
One of the strongest no-annual-fee business cards for flat-rate earn. The Ink Business Unlimited combines uncapped 1.5% cash back, a generous intro APR window, free employee cards, and a elevated welcome bonus — all without an annual fee. Best for domestic spenders who don't need category bonuses or premium travel perks. Poor fit for foreign spend, no-PG seekers, or businesses that would earn more with Ink Cash or Ink Preferred in their bonus categories.