
Chase
Ink Business Unlimited
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Card review
Ink Business Unlimited
Chase
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
750 pts welcome offer
Est. net value
$383/yr
Credit score
Varies
Top earn rate
5x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Ink Business Unlimited from Chase carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $383.40 in rewards plus $0.00 in credits and perks — $383.40 net per year before welcome bonuses.
How the points work
1.5X on all purchases
5X on Lyft till March 2025
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseLyft | 5× |
| Everything elseAll Purchases | 1.5× |
Welcome offer
750 points
- Spend $8,000 in 120 days
- Est. value: $8 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Auto Rental Coverage
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 $60,000 for theft and collision damage for most rental vehicles.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
- Travel and Emergency Assistance
Provides legal and medical referrals and access to other travel and emergency assistance services. You are responsible for the cost of any goods or services obtained.
- Roadside Assistance
If you have a roadside emergency, you can call for dispatch service. Roadside service fees will be billed to your card.
- Complimentary Instacart+ membership
Receive a complimentary three-month Instacart+ membership and a $20 Instacart credit each month. Enrollment Required. Benefits end 12/31/27.
- Chase Pay Over Time®
Break up eligible credit card purchases of $100 or more into manageable monthly payments with a fixed monthly fee.
- Employee cards at no additional cost
Set individual spending limits for employees and earn rewards on their purchases.
- Refer Business Owners
Earn 40,000 bonus points for each business that gets approved for any Chase for Business® credit card, up to 200,000 points per year.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
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Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.