Ink Business Unlimited®
A no-frills flat-rate card: every purchase earns the same 1.5% back with nothing to enroll in and no bonus categories to track. Pairs with Chase's other Ink cards to pool rewards into one account.
Ink Business Unlimited® at a glance
Issued by Chase. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–24%
- Intro APR
- 0% on purchases for 12 months
- Foreign transaction fee
- 3%
Rewards
1.5% cash back on every purchase, no categories to track
Intro offer
Bonus cash back after meeting a minimum spend in the first 3 months
Ink Business Unlimited®'s annual fee vs. the cheapest and priciest cards on the marketplace
Ink Business Unlimited® vs. similar Cash back
| Criterion | Ink Business Unlimited® | Ink Business Cash® | Blue Business Cash™ |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–24% | Variable, ~18–24% | Variable, ~18–26% |
| Foreign transaction fee | 3% | 3% | 2.7% |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Ink Business Unlimited® charges a 3% foreign transaction fee. On recurring international vendor or contractor payments, that adds up faster than the rewards rate offsets it — if that's a regular expense for your business, weigh a card with no foreign transaction fee even if its rewards rate is lower.
Pros
- +No annual fee
- +Uncapped 1.5% cash back
- +0% intro APR gives breathing room on a big purchase
Cons
- −No elevated rate on any category, so heavy spenders in specific categories can do better elsewhere
- −3% foreign transaction fee
Ink Business Unlimited® has no annual fee, requires good/excellent credit, and offers 0% on purchases for 12 months as an intro APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Simple, flat-rate cash back with zero annual fee
We don't have a partnership with Chase — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.