A no-annual-fee approach to business purchases across many categories.
For readers comparing U.S. credit card costs and rewardsReferral disclosure · This product links to its official information page, separately from our Tesla and personal Sapphire referrals. Read the full disclosure
Previously reviewed official terms were compared with an attributed user report. Anecdotes are not our own experience or a promise of approval or benefits.
Compare the key conditions
| Topic | What to check |
|---|---|
| A straightforward earning structure | The reviewed base structure provides 1.5% cash back on eligible purchases. This can simplify spending that does not fit another card’s bonus categories. |
| Compare your actual mix | An illustrative $20,000 of eligible purchases earns $300 at 1.5%. Compare that with what your business would earn from a category card, after accounting for the time and restrictions involved. |
| Review eligibility and redemption | No annual fee does not remove interest or other fees. Past no-annual-fee Chase business card history may affect welcome-bonus eligibility. Do not assume cash-back earning automatically grants airline or hotel transfer access. |
Read the full conditions and original review date. A summary does not establish eligibility or guarantee benefits.
A straightforward earning structure
The reviewed base structure provides 1.5% cash back on eligible purchases. This can simplify spending that does not fit another card’s bonus categories.
What a real user report changes
One small-business user said nearly every business expense went on Ink Unlimited except payroll and insurance. A single default card can simplify recordkeeping.
Put a number on that convenience: on $20,000 of eligible purchases, the gap between 1.5% and 2% is $100 before other card fees or benefits.
Compare your actual mix
An illustrative $20,000 of eligible purchases earns $300 at 1.5%. Compare that with what your business would earn from a category card, after accounting for the time and restrictions involved.
Review eligibility and redemption
No annual fee does not remove interest or other fees. Past no-annual-fee Chase business card history may affect welcome-bonus eligibility. Do not assume cash-back earning automatically grants airline or hotel transfer access.
Practical example: apply the terms to your spending
An illustrative $20,000 of eligible purchases earns $300 at 1.5%. Compare that with what your business would earn from a category card, after accounting for the time and restrictions involved.
Frequently asked questions
Who should consider this business card?
A no-annual-fee approach to business purchases across many categories.
What should I check before applying?
Review business eligibility, personal guarantee, fees and the exact welcome-bonus conditions. Our personal Sapphire referral does not apply to business cards.
Sources and update history
Sources checked:
Official source 1 · creditcards.chase.com (opens in a new tab)Official source 2 · www.chase.com (opens in a new tab)Official source 3 · www.chase.com (opens in a new tab)User report or discussion (opens in a new tab)· Added an attributed user report and practical checks against official terms.
Check the final terms when applying or ordering. Corrections policy
Ink Business Unlimited: review the current terms
Review benefits and application terms on the official product page below.
View official terms (opens in a new tab)Approval, purchases and rewards are subject to the provider’s eligibility rules and terms.