$750 cash back
Business owners who want simple flat-rate rewards with a large welcome bonus and no annual fee.
The Chase Ink Business Unlimited is the simplest unlimited cash-back card for business owners who want one card that rewards everything at a flat, predictable 1.5% rate. No rotating categories, no caps, no guessing — every dollar you spend earns the same rate. Like its sibling the Ink Business Cash, its rewards are actually Ultimate Rewards points under the hood, and if you pair it with a premium Chase card like the Sapphire Reserve or Ink Business Preferred, you can transfer those points to airline and hotel partners for outsized travel redemptions.
This card is best suited for business owners whose spending is spread across many categories rather than concentrated in office supplies or dining. Freelancers, consultants, contractors, and service-based businesses that pay for software, subscriptions, advertising, and equipment all benefit from a card that doesn't force category management. The $750 welcome bonus after $6,000 in purchases in the first 3 months is strong for a no-annual-fee card, and the 12-month 0% intro APR gives you breathing room to finance major early purchases.
If your business spending is heavily concentrated in categories like office supplies, phone bills, or gas, the Ink Business Cash will outperform this card significantly — 5% in those categories beats 1.5% every time. And if you travel frequently for work, the 3% foreign transaction fee is a dealbreaker. Neither Ink no-fee card offers cell phone protection or meaningful travel insurance, so don't rely on this card for those coverages.
The Ink Business Cash is the closest direct alternative and is worth comparing side by side based on your actual spend. If you hold a Sapphire Reserve or Ink Business Preferred, the Unlimited becomes a compelling "catch-all" card that fills in the gaps where your premium card doesn't earn bonus points. Many Chase optimizers hold both the Cash and the Unlimited simultaneously for maximum category coverage.
The same 24-month eligibility restriction from the Ink Cash applies here: you cannot earn the welcome bonus if you've received a new cardmember bonus on any no-annual-fee Ink card within the last 24 months. Chase business cards stay off your personal credit report and don't count toward 5/24, but you still need to be under 5/24 at the time of application. The 3% foreign transaction fee is easy to miss in the fine print — keep a no-fee travel card in your wallet for any international purchases.
Not available if you have received a new cardmember bonus for any Chase Ink card without an annual fee in the past 24 months. You must be under Chase 5/24 to be approved, but this card itself does not count toward your 5/24 total. Not available to sole proprietors in some cases — Chase expects a legitimate business entity.
Cashback Match — all cash back doubled at end of year 1
Annual Fee: $0
175,000 Membership Rewards points
Annual Fee: $895
150,000 bonus points (limited time)
Annual Fee: $795
Cashback Match end of first year
Annual Fee: $0
$150 cash back (15,000 points)
Annual Fee: $0
No welcome bonus
Annual Fee: $0 first year, then $99
Miles Match — all miles doubled at end of year 1
Annual Fee: $0
100,000 Membership Rewards points
Annual Fee: $325
80,000 bonus miles
Annual Fee: $0 intro first year, then $150
70,000 bonus miles
Annual Fee: $0 intro first year, then $150
75,000 American Airlines miles
Annual Fee: $0 intro first year, then $99
80,000 Hilton Honors points
Annual Fee: $0
130,000 Hilton Honors points
Annual Fee: $150
175,000 IHG One Rewards points
Annual Fee: $99
200,000 Membership Rewards points
Annual Fee: $375
Cashback Match at end of first year
Annual Fee: $0
300,000 Membership Rewards points
Annual Fee: $895