Benefit Activation Checklist
Step-by-step guide to activate and maximize every benefit on this card.
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Ink Business Unlimited® Credit Card
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 ($99/year value) plus $20 in Instacart credits each month when you have Instacart+ through December 31, 2027.
Move 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 combine points for transfers to 14+ airline and hotel partners — including World of Hyatt, United, Air Canada Aeroplan, Southwest, JetBlue, and more.
0% Intro APR on Purchases (12 Months)
0% intro APR on purchases for 12 months from account opening. After that, a variable APR applies
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
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.
Benefits Calculator
What's the Ink Business Unlimited® Credit Card worth to you? Get a personalized estimate.
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Benefits Calculator
What's the Ink Business Unlimited® Credit Card worth to you? Get a personalized estimate.
Ink Business Unlimited® Credit Card Benefits Calculator
Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.
3 months of complimentary Instacart+ membership ($99/year value) plus $20 in Instacart credits each month when you have Instacart+ through December 31, 2027.
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Your Total Annual Value
$0
Annual Fee: annual_fees
Your Net Value / Cost
$0
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| 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 |
