The Ink Business Unlimited® Credit Card (see rates and fees) is an excellent option to earn straightforward rewards across a wide range of business purchases.
Even if you already have another Chase Ink card or another business credit card with bonus categories, there are many reasons why you may want to add this no-annual-fee card to your strategy.
Here are six that may sway you to take a closer look at the Ink Business Unlimited.
Highest-ever welcome bonus
There are many good reasons to get a business card, one of the biggest being the hefty welcome bonuses that come with business credit cards. And because they’re completely separate from your personal finances, you can double-dip on welcome bonuses.
With the Ink Business Unlimited, you can earn $1,000 bonus cash back after spending $8,000 on purchases in the first four months from account opening.
This is the best welcome offer we’ve seen in the card’s history.
The current offer to earn $1,000 bonus cash back is already an excellent bonus for no annual fee. But if you pair the Ink Business Unlimited with a card that earns Chase Ultimate Rewards points, you could get even more potential value by combining your points into one account and getting access to Chase’s suite of transfer partners.
These are the cards you can pair the Ink Business Unlimited with for this purpose:
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If you use this method, you will get the best value from the welcome bonus and the rewards you’ll earn on everyday spending.
Related: Chase Ink Business Preferred vs. Ink Business Premier: Which card should take a spot in your wallet?
No annual fee
The already attractive welcome bonus looks even better when you consider that the Ink Business Unlimited charges no annual fee.
You may be reluctant to add yet another card that charges an annual fee to your wallet, especially if you’re already carrying a bunch of them. The Ink Business Unlimited solves that problem.
Related: The best no-annual-fee business credit cards
Unlimited flat cash back on all purchases
This card also answers the question: How do I get more value from my purchases outside of bonus categories? The Ink Business Unlimited offers a flat 1.5% cash back on all purchases.
You might be tempted to compare that return to another card that offers a flat-rate reward on everyday spending, but you don’t have to.
That’s because, as discussed previously, you can transfer your Ink Business Unlimited rewards to a Chase card that earns Ultimate Rewards points, so the value is potentially greater than 1.5% cash back.
TPG’s June 2026 valuations note that Ultimate Rewards points are worth 2.05 cents each, meaning you could earn a return of 3.1% for every dollar spent.
To maximize your rewards, use this card for nonbonus spending, such as buying hardware store items to fix up your office or filing your taxes.
Related: The pros and cons of cash-back credit cards
Introductory APR offer
You really shouldn’t be focused on earning points and miles if you can’t pay off your credit card on time and in full every month (it’s one of TPG’s 10 credit card commandments), but things happen. Maybe you’re looking to expand and need to make capital investments that will take months to affect your revenue stream, or perhaps you’re stocking up on inventory.
The Ink Business Unlimited offers a nice cushion that can be useful for new business owners or for financing a large purchase.
You’ll receive an introductory 0% annual percentage rate for 12 months from account opening on purchases. After that, you’ll pay a 16.74% to 24.74% variable APR. So, buy those laptops now, but make sure to pay them off by this time next year.
Related: Do business credit cards affect personal credit?
Primary (business) rental car coverage
The Ink Business Unlimited includes a number of benefits you might find on other credit cards, including purchase protection and extended warranties. But it also offers primary rental car coverage — a benefit that’s relatively rare.
Many credit cards offer what’s called secondary coverage, which only applies after taking into consideration what your own personal car insurance covers.
Primary coverage removes your personal coverage from the equation and protects you from deductibles or losses above a certain threshold.
The Ink Business Unlimited allows you to decline the rental car company’s collision insurance and be covered by the card up to the cash value of the vehicle in the case of theft or collision damage as long as you’re using the car for business purposes.
Related: How to pick a strategy for your small-business credit cards
Employee cards at no additional cost
If you run a business that often requires employees to run errands or pay for expenses, you can make life easier by getting your employees their own cards. This way, you won’t have to chase down the card when you need it and won’t have to deal with expense reports.
While some premium cards require an additional fee when you add an authorized user, the Ink Business Unlimited does not.
However, you should be aware that you are still responsible for paying all charges accrued on the account, whether you made them personally or not. (If an unauthorized charge was made on any card, Chase has you covered. All you have to do is call Chase immediately and explain the issue.)
Related: Authorized user on a company credit card: What to know
Bottom line
The Ink Business Unlimited has plenty to offer new users, even ones who already own multiple business credit cards.
With a solid welcome bonus, a simple earning structure and no annual fee, the card can offer a promising return for businesses big and small, especially when combined with other Chase cards.
To learn more, read our full review of the Ink Business Unlimited.
Apply here: Ink Business Unlimited Credit Card
