Ink Business Unlimited® Credit Card

Limited-Time Offer: Earn Unlimited Cash Back And A $1,000 Welcome Offer With The Ink Business Unlimited® Credit Card

  • Limited-Time Offer: $1,000 welcome offer for new cardmembers after spending $8,000 in the first 4 months from account opening

  • 0% intro APR on purchases for 12 months, then 16.74% - 24.74% Variable

  • $0 annual fee, plus employee cards at no additional cost

Updated June 20, 2026

on Chase's secure website

on Chase's secure website

If you're a business owner, there may not be a more powerful welcome offer on the market right now than the Ink Business Unlimited® Credit Card (Rates and fees). Not only do you have the ability to earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening (their highest offer ever) but you'll also earn Unlimited 1.5% cash back on every purchase, with no categories to track and no caps to manage. Plus, the annual fee is $0 and you get 0% intro APR on purchases for 12 months (then 16.74% - 24.74% Variable).

Limited-Time Offer
Best for Flat-Rate Rewards with a 0% Intro Purchase APR
4.8
info

on Chase's secure website

Welcome Bonus
$750 Cash back
$1,000 Cash back
info
Rewards Rate
1.5% info
Cash back
Annual Fee
$0
Why We Like It
  • Limited-Time Offer: $1,000 welcome bonus after spending just $8,000 in the first 4 months – the highest bonus ever offered for this card.
  • 0% Intro APR for 12 months on purchases (then 16.74% - 24.74% Variable APR). That's a full year to finance new business purchases without paying a cent in interest.
  • Unlimited 1.5% cash back on every purchase, with no annual fee — put it all together and it's hands down one of the best business cards we've seen.

on Chase's secure website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

What You Need To Know

The Ink Business Unlimited® Credit Card is one of the strongest flat-rate business cards on the market, all with $0 annual fee. Beyond the simplicity of earning cash back on every purchase, we're also impressed with the card's generous welcome offer for new cardmembers.

Benefits and perks:

  • A limited-time welcome offer that practically pays for itself: Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening. This is their highest offer ever. For many businesses, that spending threshold is within reach in the normal course of doing business. 
  • Unlimited flat-rate cash back (yes, really): Unlimited 1.5% cash back on every purchase No rotating categories to activate, no limits on how much you can earn.
  • Employee cards at no additional cost: Add cards for your team and earn cash back on their spending too, all with $0 annual fee.
  • Intro APR on purchases: You get 0% intro APR on purchases for 12 months, which can help you finance a large business expense. After the intro period, the APR is 16.74% - 24.74% Variable.

Recommended Credit Score info
Good
670-739
Excellent
740-850


» Apply for the Ink Business Unlimited® Credit Card

How Ink Business Unlimited® Credit Card Stacks up

With its generous welcome offer, unlimited flat-rate cash back, and $0 annual fee, our experts think the Ink Business Unlimited® Credit Card is tough to beat for business owners. But how does it stack up against the competition? See a side-by-side comparison below.

Ink Business Unlimited® Credit Card
4.8
info
Apply Now

on Chase's secure website

Intro APR
Purchases:
0%, 12 months
Balance Transfers:
N/A, N/A
Regular APR
16.74% - 24.74% Variable
Reward Rate info
1.5% Cash back
Welcome bonus info
$1,000 Cash back
Annual Fee
$0
Recommended
Credit Score info
Good to Excellent
The American Express Blue Business Cash™ Card
5.0
info
Apply Now

on American Express's secure website

Intro APR
Purchases:
0%, 12 months from date of account opening
Balance Transfers:
N/A, N/A
Regular APR
16.74% - 28.49% Variable
Reward Rate info
1% - 2% cash back
Welcome bonus info
$250 statement credit
Annual Fee
$0
Recommended
Credit Score info
Good to Excellent
Capital One Spark Cash Plus
4.4
info
Apply Now

on Capital One's secure website

Intro APR
Purchases:
N/A, N/A
Balance Transfers:
N/A, N/A
Regular APR
25.74% (Variable)
Reward Rate info
2% - 5% Cash Back
Welcome bonus info
$2,000 Cash Bonus
Annual Fee
$150
Recommended
Credit Score info
Excellent

Bottom Line: Who Is This Card Best For?

The Ink Business Unlimited® Credit Card is a great choice for anyone who:

  • Wants this limited-time welcome offer: Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening. It rewards the spending you're already putting on your business.
  • Wants simple, unlimited rewards: Unlimited 1.5% cash back on every purchase No categories, no caps, no tracking.
  • Wants to earn across the whole team: Add employee cards at no additional cost and earn on their purchases too, all with $0 annual fee.

» Click here to apply now and earn a $1,000 bonus

  • $0 annual fee
  • Elevated flat-rate rewards structure
  • Generous welcome offer
  • Intro APR offer on purchases
  • Employee cards at no additional cost
  • Apply Now
  • Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC
Ink Business <span class='whitespace-nowrap'>Unlimited<sup>®</sup></span> Credit Card
4.8
info

on Chase's secure website

Read Card Review

Intro Offer

Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening

Annual Fee

$0

+

Why we like it


Other Cards You Might Like:

The Ink Business Unlimited® Credit Card is hard to beat with its powerful welcome bonus, long intro APR period on purchases and $0 annual fee. But, if you want to consider other options, here are some contenders:

Financebuzz awards badge
2026 AWARD WINNER Best No-Annual-Fee Business Card
5.0
info

on American Express's secure website

See rates and fees | Terms Apply
Intro APR
Purchases:
0%, 12 months from date of account opening
Balance Transfers:
N/A, N/A
Regular APR
16.74% - 28.49% Variable
Annual Fee
$0
Rewards Rate
1% - 2% info
cash back
Why We Like It
  • Simple reward rate with no annual fee

  • Intro APR offer on purchases

  • Spending flexibility above credit limit with Expanded Buying Power

on American Express's secure website

Recommended Credit
Good to Excellent
Card Details
Excellent for high flat-rate business cash back rewards
4.4
info

on Capital One's secure website

Intro APR
Purchases:
N/A, N/A
Balance Transfers:
N/A, N/A
Regular APR
25.74% (Variable)
Annual Fee
$150
Rewards Rate
2% - 5% info
Cash Back
Why We Like It
  • Generous early spend bonus with no limit on how much you could earn in your first year

  • No preset spending limit, which is great for businesses than need large spending capacity and want to maximize cash back

  • Free employee and virtual cards with the ability to streamline your accounts payable process, employee spending and more

on Capital One's secure website

Recommended Credit info
Excellent (740 - 850)
Card Details