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Ink Business Unlimited® Credit Card

Earns Ultimate Rewards Part of 3-Year Plan

Welcome Offer

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How to Earn Rewards

1.5% Unlimited cash back on all business purchases (no caps, no categories)

Key Benefits

Tap any benefit to see details.

Complimentary 3-Month Instacart+ Membership + $20/Month Instacart Credit (Through Dec 31, 2027)

3 months of complimentary Instacart+ membership ($25/year value) plus $20 in Instacart credits each month through December 31, 2027. Activate at instacart.com/p/chase-ink. Up to $240/year in Instacart credits — exceptional perk for a no-annual-fee card.

Pool Cash Back into Ultimate Rewards Points

Cash back is technically Chase Ultimate Rewards points ($1 cash back = 100 UR points). When paired with a Chase Sapphire (Preferred, Reserve, or Reserve Business) or Ink Business Preferred, you can pool points for 1:1 transfers to 14+ airline and hotel partners — including World of Hyatt, United, Air Canada Aeroplan, Southwest, JetBlue, and more.

Free Employee Cards

Add unlimited employee cards at no extra cost to earn rewards on their business spending.

0% Intro APR on Purchases (12 Months)

0% intro APR on purchases for 12 months from account opening. After that, a variable APR applies (16.74%-24.74% as of late 2025).

Auto Rental CDW + Purchase Protection

Includes auto rental collision damage waiver, purchase protection, and extended warranty protection (per Chase Ink card benefits across the family + per CNBC review).

No Annual Fee

$0 annual fee — keep it forever to maintain access to flat 1.5% cash back and Ultimate Rewards point earning.

Doesn't Report to Personal Credit (5/24 Friendly)

As a Chase business card, this does NOT automatically report to your personal credit report — does NOT count toward Chase's 5/24 rule once approved (though it counts when you APPLY).

Katie's Take

Why this card might (or might not) be right for you.

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Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. We love the Instacart+ benefit and the $20 per month for Instacart — an amazing perk for a no-annual fee card.

The bonus for this card is listed as cash back. But if you have a card like the Chase Sapphire Preferred® Card or Chase Ink Business Preferred® Credit Card, you can actually combine the "cash back" points with your Sapphire card. See Katie's full guide with details on combining points.

Want to learn more about Chase Ultimate Rewards®? Check out season 1 of Points for Normal People (the podcast) — we go into detail there. And see more ideas for how to use your points on Katie's site.

*Nota bene:* If you have multiple business cards from Chase already, it might be harder to be approved. Chase also added more approval restrictions to this card if you've previously had this or the Chase Ink Business Cash® Credit Card in the past.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer	Spend Req.	Date
$750 Cash BackCurrent	$6,000 in 3 months	Standard (current as of May 1, 2026)
$500 Cash Back	$3,000 in 3 months	Long-running historical standard
$750 Cash Back	$7,500 in 3 months	Pandemic-era offer
$900 Cash BackElevated	$6,000 in 3 months	Fall 2022
$900 Cash BackElevated	$6,000 in 3 months	Returned September 2023 - mid-January 2024
$900 Cash BackElevated	$6,000 in 3 months	Fall 2024 (mid-September to early November)
$900 Cash BackElevated	$6,000 in 3 months	Best-ever; ran September 12 - November 13, 2025

Ink Business Unlimited® Credit Card

Katie's Take

Offer History

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