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Chase

Chase Ink Business Unlimited Review

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Businesses that want one simple flat cash-back rate with no annual fee

Updated for 2026

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Overview

The Chase Ink Business Unlimited earns a flat, unlimited 1.5% cash back on all business spending with no annual fee. A 12-month 0% intro APR on purchases and Ultimate Rewards flexibility round out the offer.

Annual fee$0
Regular APR16.74%–24.74% variable
Welcome bonus$1,000 cash back after spending $8,000 on purchases in the first 4 months
RewardsUnlimited 1.5% cash back on every purchase
Recommended creditGood to Excellent
See if you pre-qualify →

Pros & cons

Pros
  • No annual fee with a simple flat 1.5% on everything
  • 12-month 0% intro APR on purchases
  • Points can be combined with a Sapphire or Ink Preferred card for higher travel value
Cons
  • No elevated bonus categories beyond the flat rate
  • Subject to Chase 5/24 and requires a personal guarantee

Compare with similar cards

Not sure this is the one? Weigh it against other business options.

Chase Ink Business Cash credit cardChase Ink Business CashChaseAnnual fee $0View card →Capital One Spark Cash Plus credit cardCapital One Spark Cash PlusCapital OneAnnual fee $150 (refunded each year you spend at least $150,000)View card →American Express Blue Business Cash Card credit cardAmerican Express Blue Business Cash CardAmerican ExpressAnnual fee $0View card →

See how to apply → See all business cards

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