Chase Ink Business Unlimited

welcome offer

Earn $500 after $3,000 spent within the first 3 months. Intro 0% APR for 12 months on purchases.

Bonus Cash Value

Approximately $500*

Annual Fee

$0

Card Rewards

Unlimited 1.5% cashback

5% cash back on Lyft rides

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Chase Ink Business Unlimited is the better Ink card for businesses to use for general spent. You will earn a whooping 1.5 points on all purchases. Its also one of the only business credit cards that come along with an intro 0% APR offer which is great to get your business cash flowing easily. For a zero annual fee, you will get a great welcome bonus, great rewards, and great travel protection like primary worldwide auto rental collision insurance and lost or delayed luggage insurance.

Card-Smart Tips & Advice
  • Good credit needed
  • This card is under the  Chase 5/24 rule
  • Step by step guide how to apply without a legal business
  • Chase will not approve you if you already received a welcome bonus on the Chase Ink Unlimited card within the past 24 months on the same business. But you can get approved and receive the bonus even if you already received a bonus on other Chase Ink products (Chase Ink Preferred or Chase Ink Cash), or if you got the welcome bonus on a different business
  • You can only get approved for up to 2 Chase Credit Cards in 30 days (business card and personal cards are counted separately)
  • Chase Bank will not report business credit cards on personal credit reports
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • If declined you can call 1 800 453 9719 to be reconsidered
Card Details And Benefits
  • Luggage delay insurance
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare The Three Ink Cards

 
Ink Business Preferred Ink Business Unlimited Ink Business Cash
Welcome Bonus 100,000 welcome bonus points after spending $15,000 within the first 3 months 50,000 welcome bonus points after spending $3,000 in the first 3 months 50,000 welcome bonus points after spending $3,000 within the first 3 months
Credit Needed Excellent Good Good
Annual Fee $95 $0 $0
Points/Cash Back Earnings Categories 5x points on Lyft rides 3x points on the first $150,00 you spend annually on travel, cable, shipping, internet, phone, and advertising 1 point per dollar for all other purchases Unlimited 1.5% cash back on all purchases 5% cash back on Lyft rides 5% cash back on the first $25,000 you spend annually in the following categories: office supply stores, internet, cable, phone service. 5% cash back on Lyft rides 2% cash back on the first $25,000 spent annually at gas stations and restaurants1% cash back on all other purchases  
Intro 0% APR none Intro 0% APR for 12 months on purchases   Intro 0% APR for 12 months on purchases  
Foreign Transaction Fee none 3% 3%
Car Rental Insurance Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose.
Purchase protection Up to 120 days. $10,000 per claim ($50,000 per account)   Up to 120 days. $10,000 per claim ($50,000 per account) Up to 120 days. $10,000 per claim ($50,000 per account)
Cell Phone Protection Get $600 if paying your cell phone bill with this card and it is damaged or stolen.  (There is a $100 deductible for this claim. Limit 3 claims per year) none none
Extended Warranty One additional year (limit $10,000 each claim and $50,000 max per account) One additional year (limit $10,000 each claim and $50,000 max per account) One additional year (limit $10,000 each claim and $50,000 max per account)
Trip cancellation/ Interruption insurance Up to $5,000 per person per trip for a max of $20,000 per year none none
Lost Luggage Up to $3,000 per person Up to $3,000 per person Up to $3,000 per person
Trip Delay Reimbursement If delayed more than 12 hours or overnight you can claim up to $500 none none
Baggage Delay If delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days If delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days If delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days
Travel Accident Insurance Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.
Roadside Assistance Services include: short distance towing, winching, gas delivery, lockout service, and tire changes Services include: short distance towing, winching, gas delivery, lockout service, and tire changes Services include: short distance towing, winching, gas delivery, lockout service, and tire changes
Best For: A business which requires frequent travel Spends a lot in the categories mentioned above A business that does not spend a lot by the high earning categories from the Chase Ink Cash and would rather earn 1.5% cashback on all purchases.Wants to pay for large purchases interest fee over a period of time A business which spends on office supplies and internet and phone service wants to pay for large purchases interest fee over a period of time
Point Value Points redeemed for 1.25 cents per point for travel. Can be redeemed for 1 cent per point for statement credit or cash. Points can be transferred to airline and hotel partner programs the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel Points are redeemed for 1 cent for travel, a statement credit, and cashback   If the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel Points are redeemed for 1 cent for travel, a statement credit, and cashback if the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel

Additional Resources

 

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.