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The Ink Business Unlimited is a points rewards card from Chase that carries a no annual fee on the visa network. At its core it earns 1.0X Ultimate Rewards on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Ink Business Unlimited. Ultimate Rewards can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
Combined with the current signup offer of $750 cash back, With no annual fee, there is virtually no downside to keeping this card long-term even as a backup. It adds to your credit history and earns rewards at zero ongoing cost.
The Ink Business Unlimited has no annual fee, making it an excellent choice for anyone who wants rewards without a yearly cost. There is no break-even spending threshold to worry about — every dollar of rewards is pure value.
Signup Bonus Value
$750 cash back Ultimate Rewards Points
Spend $6,000 in first 3 months
Benefits
Trip Cancellation/Interruption Insurance
$5,000
$5,000 per trip
Auto Rental Collision Damage Waiver
Primary
Primary CDW
Purchase Protection
$50,000/yr
$10,000/item, $50,000/yr, 120 days
Extended Warranty Protection
$10,000
Up to 1 additional year, $10,000 max
Cell Phone Protection
$1,000
$1,000/claim, $100 deductible, 3/yr
Travel Accident Insurance
$500,000
$500,000 AD&D
Financial disclaimer: PointsPick is not a financial advisor. Credit card terms, APRs, and fees are set by Chase and subject to change. Verify all information on the issuer's website before applying.
You can apply for the Ink Business Unlimited directly through Chase's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision.
Before applying, check if you are pre-approved on Chase's website — a pre-approval uses a soft pull and does not affect your credit score.
What credit score is needed for the Ink Business Unlimited?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Ink Business Unlimited?
The current signup bonus is $750 cash back. Check the issuer's website for the latest offer details and spending requirements.
Does the Ink Business Unlimited have a foreign transaction fee?
No. The Ink Business Unlimited does not charge a foreign transaction fee, making it a good option for international purchases and travel abroad.
Can you transfer Ink Business Unlimited rewards to airlines?
No. The Ink Business Unlimited does not offer transfer partners. Rewards are typically redeemed as statement credits, direct deposits, or gift cards.
Ink Business Unlimited vs Blue Business Plus: which is better?
Both cards compete in the same category. The Ink Business Unlimited and Blue Business Plus each have strengths depending on your spending patterns. See our detailed comparison for a side-by-side analysis.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on March 08, 2026. Full methodology: www.pointspick.com/methodology.
