Chase Ink Business Unlimited review: Flat-rate cash back
Simple and strong: 1.5% back on everything, a large welcome bonus after meeting the spend requirement, 0% for a year and no annual fee. If you do not want to think about categories, this is the default business card.
Chase Ink Business Unlimited is best for flat-rate cash back. 0% on purchases for 12 months, no annual fee, and unlimited 1.5% cash back on every purchase. Approval generally requires a 690+ personal credit score.
Chase Ink Business Unlimited business credit card details
| Annual fee | $0 |
|---|---|
| Intro APR | 0% on purchases for 12 months |
| Ongoing APR | 17.49% to 23.49% variable |
| Rewards | Unlimited 1.5% cash back on every purchase |
| Credit needed | 690+ |
| Card arrives | 7 to 10 days for the physical card |
Pros
- Unlimited 1.5% cash back
- Large welcome bonus
- 0% intro APR on purchases for 12 months
- No annual fee; free employee cards
Cons
- Good to excellent credit needed
- Foreign transaction fee
- Chase's 5/24 rule can block frequent applicants
Figures verified 2026-11-01. Providers change terms; confirm before applying.
Where Chase Ink Business Unlimited stands out
No category math
Every dollar earns the same, which is what most owners want.
Where Chase Ink Business Unlimited falls short
Travel abroad
A 3% foreign transaction fee makes it the wrong card for international spend.
Who qualifies
Requirements
- 690+ personal FICO recommended
- Fewer than five new cards in 24 months
Consider Chase Ink Business Unlimited if you
- You want one card for everything
- You can meet the welcome bonus spend naturally
- You have good credit and few recent card applications
Alternatives to Chase Ink Business Unlimited
Amex Blue Business Plus
Business credit card · best for 0% intro APR with rewards
Annual fee $0 · Intro APR 0% on purchases for 12 months
Capital One Spark Cash Plus
Business charge card · best for high spenders
Annual fee $150 · Intro APR None (pay in full)
Chase Ink Business Unlimited appears in: Best Business Credit Cards of November 2026, Best 0% Intro APR Business Credit Cards of November 2026.
Methodology
Chase Ink Business Unlimited was scored on cost of capital, accessibility, speed, repayment flexibility, transparency and borrower outcomes, the same six factors applied to every business credit cards product on this site. Read how we rate. We have no commercial relationship with Chase Ink Business Unlimited.