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Ink Business Unlimited Credit Card

Updated July 2026 · 6 min read

Quick verdict

The Ink Business Unlimited is the flat-rate no-annual-fee business card in the Chase lineup. Earn 100,000 bonus points after $8,000 spend and 1.5% on every purchase with no categories to track. Pair with a Sapphire card to unlock transfers to airlines and hotels.

☆☆☆☆☆

★★★★★

Chase - No-Annual-Fee Business Card

The Ink Unlimited is the simplest business card in the Chase lineup. The 1.5% flat rate on everything makes it a reliable everyday earner for businesses whose spending does not concentrate in specific categories. Paired with a Sapphire card, the flat rate becomes transferable points worth significantly more than 1 cent each.

Welcome offer

100,000 Bonus Points

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Annual fee $0

Minimum spend $8,000

Approx. signup value $2,000

Yearly recurring value $0

Apply now →

Rates & fees · Terms apply

Pros & cons

Pros

No annual fee, so holds forever without cost
1.5% on everything with no categories to track or caps to worry about
100,000-point welcome offer matches the Ink Preferred at no annual fee
Pairs with Sapphire cards to unlock transfers to 14+ airline and hotel partners
0% intro APR on purchases for 12 months
No foreign transaction fees

Cons

$8,000 spend in 3 months is meaningful for smaller businesses
1.5% on everything is below the Ink Cash's 5% and 2% category rates for businesses with concentrated spending
Cash back fixed at 1 cent per point without a Sapphire card to enable transfers
No bonus categories means high-category spenders leave points on the table

Who this card is for

✓ Good fit

Business owners whose spending is spread across many categories with no clear concentration

✓ Good fit

Those who hold a Sapphire Preferred or Reserve and want a no-fee business companion for flat-rate earning

✓ Good fit

Entrepreneurs who want simplicity over category optimization

✓ Good fit

Those who need 0% intro APR on business purchases for 12 months

✕ Skip it

Businesses who spend heavily in the Ink Cash's 5% categories -- office supply and telecom -- the Cash earns more there

✕ Skip it

Those who want a bonus on travel spending -- the Ink Preferred covers that at 3x

✕ Skip it

Owners who will not pair with a Sapphire card and want transfers

Earning rates

1.5%

Cash back on all purchases with no category restrictions, no caps, and no tracking required.

Benefits breakdown

The Ink Unlimited earns a flat 1.5% on every business purchase. Pair with a Sapphire card to convert cash back into transferable Ultimate Rewards points worth significantly more.

1.5% Flat Rate

Unlimited 1.5% on all purchases with no categories to track and no spending caps.

1.5%

0% Intro APR

0% on purchases for 12 months from account opening.

Perk

No Annual Fee

No annual fee -- hold this card permanently as part of a Chase business card stack.

Perk

Employee Cards

Add employee cards at no additional cost. All purchases earn 1.5% rewards.

Perk

Estimated value $0

After 0 fee

What to look out for

$8,000 Spend Requirement

The welcome offer requires $8,000 in 3 months. Plan largest business purchases around account opening.

Flat Rate Underperforms in Bonus Categories

For businesses with concentrated spending in office supply, telecom, or travel, the Ink Cash or Ink Preferred will earn more per dollar.

Transfers Require a Sapphire Card

Without a Sapphire Preferred or Reserve in your account, points redeem only as cash back at 1 cent each.

Our take

The Ink Unlimited is the set-it-and-forget-it business card in the Chase lineup. There are no categories to track, no caps to watch, and no annual fee to justify. For businesses with diverse spending, the 1.5% floor is a clean baseline. Paired with a Sapphire card, that baseline becomes transferable points at effectively 1.5 miles per dollar on every business purchase. See how to stack the Ink cards in our Ultimate Rewards guide.

The 100,000-point welcome offer at $8,000 spend matches the Ink Cash and Ink Preferred at no annual fee -- a rare alignment of all three Ink cards at the same bonus. The Unlimited, Cash, and Preferred together form the ideal no-fee-to-low-fee business card stack. Each covers a different spending profile. For the full Chase business strategy, see our Chase card overview.