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Chase Ink Business Unlimited

Stay updated on new credit card offers

welcome offer

Earn $750 (75,000 points) after spending $7,500 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 13.24% – 19.24% variable).

Bonus Value

Approximately $1125*

Annual Fee

$0

Card Rewards

5 points on Lyft rides

Unlimited 1.5 points on all other purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Chase Ink Business Unlimited is the better Ink card for businesses to use for general spent. You will earn a whooping 1.5 points on all purchases. Its also one of the only business credit cards that come along with an intro 0% APR offer which is great to get your business cash flowing easily. For a zero annual fee, you will get a great welcome bonus, great rewards, and great travel protection like primary worldwide auto rental collision insurance and lost or delayed luggage insurance.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Not reported on personal credit reports: Chase Bank will not report business credit cards on personal credit reports
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. More recent data points suggest that Chase credit inquiries will not be combined even for two Personal or two Business cards for same-day applications
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 800 453 9719
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login). You can also request Chase to overnight your physical card by calling Chase customer service.

Approval Monitor (submitted by HelpMeBuildCredit users)

93% Approved
772 Avg. Score of those approved
7% Denied
Approved 93%
Denied 7%

Credit limit range $13-$39,000

Avg. Credit limit$11,798

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • Penalty APR 29.99%
Welcome Offer Eligibility
Chase may not approve you if you already received a welcome bonus on the Chase Ink Unlimited card within the past 24 months on the same business (but if you are approved you will get the bonus). You can get approved and receive the welcome bonus even if you already received a welcome bonus on other Chase Ink products (Chase Ink Preferred or Chase Ink Cash).
Card Details And Benefits
Foreign Transaction Fee

3%

Auto Rental Collision Insurance

Worldwide primary coverage on rentals for business purposes, secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.

Travel Accident Insurance

Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Extended Warranty Protection

Get your original manufacturer's warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Purchase Protection

Get refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.

Luggage delay insurance

If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.

Roadside Assitance

Chase will dispatch you assistance for free, but you will need to pay the service fee.

  • New! Pay Yourself Back: You can use your Ultimate rewards points at a rate of 1.10 cents per point to refund any purchases made to your card for internet, cable, and phone services, contributions to some eligible charities,  Click here to redeem the points for eligible purchases, expires 12/31/21.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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