Ink Business Unlimited® Credit Card

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Chase Ink Business Premier® Credit Card

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Chase Ink Business Premier® Credit Card

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At a glance

Welcome Offer

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Limited Time Offer

New Offer

All time high

Rewards

1.5% cash back on every purchase made for your business, unlimited.

Intro APR

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Balance Transfer Intro

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Regular APR

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Annual Fee

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Unlock the potential of your business with the Chase Ink Business Unlimited® Card. Earn unlimited 1.5% cash back on every purchase, enjoy no annual fee, and get a 0% intro APR for 12 months on purchases. Plus, take advantage of comprehensive travel and purchase protection benefits. It's the smart, straightforward way to manage and grow your business.

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

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

Travel Insurance and Protection

Purchasing Protections

Concierge and Assistance Services

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.)

Concierge and Assistance Services

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.

Purchasing Protections

Purchase Protection

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

Purchasing Protections

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.

Travel Insurance and Protection

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.

cashback

Lyft

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

March 1, 2022

March 31, 2025

1.5

cashback

On Other Purchases

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1.5

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On other purchases

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

Aeroplan Loyalty Program

Instant

Airlines

Air France-KLM Flying Blue

Instant

Airlines

Avios

Instant

Airlines

Emirates Skywards

Instant

Airlines

IHG One Rewards

1 Day

Hotels

JetBlue TrueBlue Rewards Program

Instant

Airlines

Marriott Bonvoy

2 Days

Hotels

Singapore Airlines KrisFlyer

12-24 Hours

Airlines

Southwest Rapid Rewards

Instant

Airlines

United MileagePlus

Instant

Airlines

Virgin Atlantic FlyingClub

Instant

Airlines

World of Hyatt Loyalty Program

Instant

Hotels

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

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Balance transfer Fee

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Balance transfer Terms

Late Payment Fee

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$40

$40 or 2% of the Minimum Payment Due, whichever is greater

Over Limit Fee

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Foreign Transactions

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Cash Advance APR

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Cash Advance Fee

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Business

Rewards

Cash back

No annual fee

Updated On

September 19, 2024 12:15 AM

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Rates and Fees

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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:

Unlimited 1.5% Cash Back on every purchase.
$900 Bonus after spending $6,000 in the first 3 months.
No Annual Fee.
0% Intro APR on purchases for the first 12 months.
Employee Cards at No Additional Cost.
Fraud Protection.
Travel and Purchase Protection.
Chase Mobile App for account management.
Autopay and Account Alerts.
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.

Considerations

Chase Ink Business Unlimited® Credit Card

No bonus categories for rewards.
Foreign transaction fees.
Requires good to excellent credit.
No intro APR on purchases.
Limited travel perks.

Credit Reads By Category

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Why We Like it

Considerations

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