The Ink Business Unlimited is the simplest Chase business card: 1.5% on every purchase, no categories, no caps, no activation. For businesses with diverse and unpredictable spending that doesn't fit neatly into the Ink Cash's office/telecom categories, the Unlimited earns a competitive flat rate at zero annual fee. It shares the same $750 welcome bonus and 0% APR window as the Ink Cash, and pools points with Sapphire and Ink Preferred cards when you want to unlock transfer partners.
Earning Structure
| Category | Cash Back | Notes |
|---|---|---|
| Chase Travel (portal) | 5% | Hotels, rental cars booked through Chase Travel |
| Lyft Rides | 5% | Through September 30, 2027 |
| All Other Purchases | 1.5% | Unlimited, no caps, no categories |
The 1.5% flat rate is straightforward: no quarterly activation, no spending caps, no category tracking. Every dollar you spend on the card earns 1.5 cents toward cash back — whether it's inventory, contractor payments, advertising, meals, or travel.
Ink Unlimited vs. Ink Business Cash — Which Should You Get?
| Feature | Ink Business Unlimited | Ink Business Cash |
|---|---|---|
| Best For | Diverse, unpredictable spending | High office supply or telecom costs |
| Flat Rate | 1.5% on everything | 1% on most purchases |
| 5% Category | Chase Travel + Lyft only | Office supplies + internet/cable/phone |
| 2% Category | None | Gas + restaurants (up to $25K/yr) |
| Annual Fee | $0 (same) | $0 (same) |
| Welcome Bonus | $750 after $6,000/3mo (same) | $750 after $6,000/3mo (same) |
| 0% APR | 12 months (same) | 12 months (same) |
Many businesses get both cards: use Ink Cash for office supply and telecom spending (5%), use Ink Unlimited for everything else (1.5%). Pooled together with an Ink Preferred, all points become transferable Ultimate Rewards.
March 2026: Chase Ended External Bank Transfers of Cash Back
Effective March 27, 2026, Chase no longer allows transferring cash-back rewards directly to an external bank account. You can still redeem as: a cash deposit to an eligible Chase bank account, a statement credit, or toward travel through Chase Travel. This change affects how you access your cash back but doesn't reduce the earned value.
Pairing for Maximum Value
The Ink Business Unlimited earns cash back (Ultimate Rewards points at 1¢/pt) by itself. But paired with the Ink Business Preferred ($95/yr), Chase Sapphire Preferred ($95/yr), or Chase Sapphire Reserve ($795/yr), you can pool points and access Chase's 14 transfer partners at rates of 1.25–2¢/pt. The combination of Ink Cash + Ink Unlimited + Ink Preferred is a classic "Chase trifecta" business setup that maximizes earning across all spending categories.
Pros & Cons
What We Like
- 1.5% on every purchase — no thinking required
- $750 welcome bonus — one of the best for a no-fee business card
- 0% APR for 12 months — finance business purchases interest-free
- Pools with Sapphire/Ink Preferred for transfer partner access
- Employee cards at no cost with spending limits
- No annual fee
What to Watch Out For
- 1.5% trails Wells Fargo Signify Business Cash (2%) for pure flat-rate business cards
- 3% foreign transaction fee — use a different card internationally
- No bonus categories outside Chase Travel and Lyft
- Cash back only without pairing a Sapphire or Ink Preferred card
- Chase 5/24 rule applies
Ink Business Unlimited® Credit Card
1.5% on everything · $750 bonus · 0% APR 12mo · No annual fee
Apply Now →Bottom Line
The Ink Business Unlimited is the right card for businesses that want a simple, flat-rate no-fee option or that spend across too many categories to benefit from the Ink Cash's specific 5% tiers. The $750 welcome bonus and 0% APR window are excellent for a no-fee card. Pair it with the Ink Cash and a Sapphire card to build the full Chase business rewards ecosystem. For pure flat-rate value, be aware the Wells Fargo Signify Business Cash earns 2% flat with no annual fee — higher than the Unlimited's 1.5%.