Chase Ink Business Unlimited Review 2026

Yes — it's one of the strongest no-annual-fee options for service businesses and solo operators. The flat 1.5% on every purchase means no categories to track, and the 12-month 0% intro APR gives a no-interest runway for an initial large purchase. A hard pull and personal guarantee are required at application.

The $750 welcome bonus is earned after spending $6,000 in the first 3 months after account opening. That works out to $2,000/month, which is achievable for most operating small businesses. The bonus pays out as Chase Ultimate Rewards points redeemable for cash back.

It's not the strongest travel card — it charges a 3% foreign transaction fee on purchases made outside the U.S. For international spend, a no-FX-fee card like Chase Ink Business Preferred is a better fit. Ink Unlimited is best for domestic-only or low-travel businesses.

A 670+ personal FICO is a typical floor for this card. Chase also applies the 5/24 rule — if you've opened 5 or more personal credit card accounts in the past 24 months across any issuer, approval is unlikely. A personal guarantee is required.

It depends on where you spend. Ink Business Cash earns 5% on office supplies and telecom (up to $25,000/yr combined) plus 2% on gas and dining, but drops to 1% outside those categories. Ink Business Unlimited earns a flat 1.5% on everything with no categories to track. If your spend concentrates in Cash's 5% categories, Cash earns more; if it's spread broadly, Unlimited wins. Both carry a $0 annual fee and the same $750 welcome bonus, so many businesses hold both and route spend to whichever earns more.

Ink Business Preferred earns 3X points (vs Unlimited's flat 1.5%) on travel, shipping, telecom, and online advertising up to $150,000/yr combined, charges no foreign transaction fee, and transfers points 1:1 to 14+ travel partners — but carries a $95 annual fee against Unlimited's $0. Preferred pays off for e-commerce or ad-heavy businesses with meaningful spend in its bonus categories or international purchases; Unlimited is simpler and cheaper for businesses without concentrated category spend.