Chase Ink Business Unlimited

The Ink Business Unlimited is the business card for owners who would rather not think about their business card. Earning is a flat, uncapped 1.5% on everything, there are no categories to activate and no quarterly caps to watch, and the annual fee is $0. Chase asks for good to excellent personal credit, roughly 690 or higher, because cards like this are underwritten against the owner rather than the entity and typically carry a personal guarantee. You do need a business, though sole proprietors, contractors and side operations clear that bar more often than applicants expect. The reason to apply now rather than someday is the bonus. Chase is paying $1,000 after $8,000 in purchases within four months, an elevated June 2026 offer. That $8,000 also earns 1.5%, so the required spend returns about $1,120 in total, an effective rate near 14% on money most small businesses would have spent anyway. Four months is a relaxed window by industry standards. The failure mode is not the deadline but manufacturing purchases you did not need in order to reach it, which never pays. After the bonus clears, the card settles into being a quiet 1.5% on every dollar with nothing to maintain. There is no annual fee to earn back, and a 0% intro APR runs for 12 months on purchases, which turns the card into a short financing line for equipment or inventory. Treat that as a deadline rather than a gift. Our verified data does not list the ongoing variable APR, and whatever it turns out to be, it applies to the full remaining balance the moment the intro period ends. The sharper limitation is that the card does charge foreign transaction fees. Any business paying overseas suppliers, foreign-billed software or travel abroad should route that spend to a card without the surcharge, because a 1.5% return does not survive a currency conversion markup. Businesses with concentrated spending should look elsewhere first. If most of your outflow is advertising, telecom, shipping or travel, a card paying a higher multiplier in those categories will beat a flat 1.5% by a wide margin, and flat 2% business cards exist for owners willing to pay a fee. Skip it if you expect to revolve past the intro window, if you cannot clear $8,000 in four months without inventing purchases, or if a meaningful share of your spend is billed in another currency. For everyone else, an uncapped 1.5% at no annual cost with a $1,000 bonus attached is a reasonable default that asks nothing of you after setup.