Chase Ink Business Unlimited

welcome offer

Earn $500 (50,000 points) after $3,000 spent within the first 3 months. Intro 0% APR for 12 months on purchases.

Bonus Cash Value

Approximately $750*

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
  • You will need to have a Chase business checking account open to get approved for a Chase business credit card
  • This card is under the  Chase 5/24 rule
  • Step by step guide how to apply without a legal business
  • 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
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 $500 after $3,000 spent within the first 3 months. Intro 0% APR for 12 months on purchases.Earn $500 after $3,000 spent within the first 3 months. Intro 0% APR for 12 months on purchases.
Annual Fee$95$0$0
Rewards- Earn 3 points per $1 on the first $150,000 in combined purchases by the following categories: travel, shipping, internet, cable, phone service, advertising purchases made with social media and search engine websites - Earn 5 points on Lyft Rides - 1 point per $1 spent everywhere else- Unlimited 1.5% cashback - 5% cash back on Lyft rides- Earn 5% cashback on every $1 spent at office supply stores, internet, cable, and phone services (up to $25,000 spent annually) - Earn 5% cashback on Lyft rides - Earn 2% cashback for every $1 spend at gas stations and restaurants (up to $25,000 spent annually) - Earn 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 InsuranceUp to $5,000 per person per trip for a max of $20,000 per year
Auto Rental Collision InsurancePrimary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. Coverage is for rentals up to 31 days.Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. Coverage is for rentals up to 31 days.Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. Coverage is for rentals up to 31 days.
Travel Accident InsuranceUp to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.
Lost Luggage ReimbursementUp to $3,000 per person for lost or damagedUp to $3,000 per personUp to $3,000 per person
Trip Delay ReimbursementIf delayed more than 12 hours or overnight you can claim up to $500
Extended Warranty ProtectionOne additional year (limit $10,000 each claim and $50,000 max per account)One additional year (limit $10,000 each claim and $50,000 max per account)One additional year (limit $10,000 each claim and $50,000 max per account)
Cell Phone ProtectionGet reimbursed for up to $600 per claim (with a $100 deductible) if your cell phone brakes 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 ProtectionLost and theft, up to 120 days. $10,000 per claim ($50,000 per account)Lost and theft, up to 120 days. $10,000 per claim ($50,000 per account)Lost or theft, up to 120 days. $10,000 per claim ($50,000 per account)
Authorized User Fee$0$0$0
Luggage Delay InsurenceIf delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 daysIf delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 daysIf delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days
Road Side 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.

People also viewed:

Capital One Journey

Discover It

Capital One Platinum

Capital One QuicksilverOne

Cash Back College

Discover It Secured

Capital One Secured

Southwest Rewards Plus

Capital One® Cash Rewards

BankAmericard® Secured

Citi Secured Mastercard

TD Cash Secured

British Airways

Travel Rewards Students

Cash Rewards Secured

Discover It Student Cash

Discover It Chrome

Discover It Miles

*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.

Download link sent
succesfully

Got it

Error sending download link

Try Again