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Ink Business Unlimited®
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See Rates and Fees
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Applying? Submit results
Score Needed: Good to Excellent
Ink Business Unlimited®
At a glance
Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

Limited Time Offer
New Offer
All time high
Rewards

5% cash back on Lyft rides through March 31, 2025

5% cash back on Lyft rides through March 31, 2025

2X
Points on other purchases
Intro APR
0% Intro APR on Purchases for 12 months
Balance Transfer Intro
N/A
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Ink Business Unlimited®

Unlock unlimited potential with the Ink Business Unlimited® card. Earn 1.5% cash back on every purchase, with no cap. Enjoy flexibility with no annual fee, and maximize your business's growth with 0% intro APR for 12 months on purchases. Access employee cards at no additional cost, ensuring seamless spending management. It's your reliable partner for everyday business expenses.

Application Tips
Get the best results with each application

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms

Auto CDW Insurance

Extended Warranty

Purchase Protection

Travel Medical Insurance

Travel Medical Insurance

Travel and Emergency Assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Roadside Assistance

Roadside Dispatch

If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Auto CDW Insurance

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption

With just the Ink Business Unlimited® Credit Card, you can't transfer points to partners.

However, if you also have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Preferred, you can first move your points to one of these cards and then transfer them to any Chase Travel Partner.

Transfer your Cash to any of the following Chase Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee

card_name

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Why We Like it

The Chase Ink Business Unlimited® credit card is a solid choice for small business owners looking for simplicity and rewarding benefits. Here’s why we love it:

  1. Unlimited 1.5% Cash Back on every purchase.
  2. $900 Bonus after spending $6,000 in the first 3 months.
  3. No Annual Fee.
  4. 0% Intro APR on purchases for the first 12 months.
  5. Employee Cards at No Additional Cost.
  6. Fraud Protection.
  7. Travel and Purchase Protection.
  8. Chase Mobile App for account management.
  9. Autopay and Account Alerts.
  10. Access to Chase Offers for deals and discounts.

Easy to use. Rewarding to have. Chase Ink Business Unlimited® is a no-brainer for smart business owners.

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Considerations

Chase Ink Business Unlimited® Credit Card

  1. No bonus categories for rewards.
  2. Foreign transaction fees.
  3. Requires good to excellent credit.
  4. No intro APR on purchases.
  5. Limited travel perks.
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Ink Business Unlimited® Click learn more to see if you qualify
Learn More
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More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.
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