Chase Ink Business Unlimited

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welcome offer

Earn $750 (75,000 points) after $7,500 spent within the first 3 months. Intro 0% APR for 12 months on purchases.

Bonus Cash Value

Approximately $1125*

Annual Fee

$0

Card Rewards

Unlimited 1.5% cashback

5% cash back on Lyft rides

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
  • Good credit needed
  • This card is under the Chase 5/24 rule
  • Step by step guide how on to apply without an LLC or C-Corp
  • Chase will 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 you can get approved and receive the bonus even if you already received a bonus on other Chase Ink products (Chase Ink Preferred or Chase Ink Cash), or if you got the welcome bonus on a different business
  • You can only get approved for up to 2 Chase Credit Cards in 30 days (business card and personal cards are counted separately)
  • Chase Bank will not report business credit cards on personal credit reports
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at Chase.com / Customer Center / Check my app status or call 1 888 338 2586
  • If declined you can call 1 888 609 7805 to be reconsidered
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
  • Luggage delay insurance
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardChase Ink Business PreferredChase Ink Business UnlimitedChase Ink Business Cash
Welcome BonusEarn 100,000 points after $15,000 spent within the first 3 months.Earn $750 (75,000 points) after $7,500 spent within the first 3 months. Intro 0% APR for 12 months on purchases.Earn $750 (75,000 points) after $7,500 spent within the first 3 months. Intro 0% APR for 12 months on purchases.
Annual Fee$95$0$0
Rewards- 3 points on the first $150,000 in combined purchases on travel, shipping, internet, cable, phone service, advertising purchases made with social media and search engine websites - 5 points on Lyft Rides - 1 point everywhere else- Unlimited 1.5% cashback - 5% cash back on Lyft rides - 5% cashback on office supply stores, internet, cable, and phone services (up to $25,000 spent annually) - 5% cashback on Lyft rides - 2% cashback at gas stations and restaurants (up to $25,000 spent annually) - 1% everywhere else
Extra Redemption ValuePoints are worth 25% more when redeemed for travel through Chase Ultimate Rewards
No Foreign Transaction FeeNone3%3%
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $5,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more.
Auto Rental Collision InsuranceWorldwide primary coverage on rentals for business purposes, and secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.Worldwide primary coverage on rentals for business purposes, secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.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 InsuranceGet 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 compensationGet 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.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 ReimbursementUp to $3,000 per person for lost or damaged luggageGet up to $3,000 per person for lost or damaged luggage.Get up to $3,000 per person for lost or damaged luggage.
Trip Delay ReimbursementIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.
Cell Phone ProtectionGet reimbursed for up to $600 per claim (with a $100 deductible) if your cell phone breaks or stolen. To activate coverage you need to pay your monthly cell phone bill with your Ink Preferred credit card. (max 3 claims per year).
Purchase ProtectionGet 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 accountGet 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.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.
Authorized User Fee$0$0$0
Luggage Delay InsurenceIf 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 5 days.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.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 AssitanceChase will dispatch you assistance for free, but you will need to pay the service fee.Chase will dispatch you assistance for free, but you will need to pay the service fee.Chase will dispatch you assistance for free, but you will need to pay the service fee.

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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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