Flat 1.5% cash back, no annual fee, 12-month 0% intro APR.
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Good–Excellent credit — 670+ FICO typical; hard pull + personal guarantee
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Service businesses, freelancers, consultants — one card for everything, no categories to track.
| Year 1 value | Ongoing value |
|---|---|
| $750 welcome bonus + 0% intro APR for 12 months | 1.5% flat cash back, no annual fee |
| Welcome spend: $6K in first 3 months | |
Chase Ink Business Unlimited — Flat 1.5% cash back, no annual fee, 12-month 0% intro APR. Best for: Service businesses, freelancers, consultants — one card for everything, no categories to track.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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