Business card · Chase · Cash back · Visa

Chase Ink Business Unlimited: what it's really worth

The Chase Ink Business Unlimited has a no annual fee. For a typical household spending $2,070 a month, it's worth about $1,123 in year one and $373 each year after.

Annual fee$0

Sign-up bonus$750$750 after $6,000 in 3 mo

Net value · year 1$1,123

Net value · each year after$373

Chase ran a $1,000 offer until September 2026. You can earn the bonus on Ink Business Unlimited or Ink Business Cash, but not both.

Calculate it with your own spending

Is the annual fee worth it?

No annual fee — nothing to lose by keeping it open, which also helps your credit history.

How you earn

Category	Rate	Value per $1	Per year*
Dining	1.5%	1.5¢	$54
Groceries	1.5%	1.5¢	$90
Hotels	1.5%	1.5¢	$14
Flights	1.5%	1.5¢	$18
Gas	1.5%	1.5¢	$27
Streaming	1.5%	1.5¢	$7
Everything else	1.5%	1.5¢	$162

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 1.5% on everything. Cash back can be moved to a Sapphire or Ink Preferred card as Chase points.

Credits and perks

Purchase protection
Foreign transaction fee: 3%

Who it's for

Flat-rate rewards on business spending with no annual fee
Pairing with Ink Preferred or a Sapphire card
Not ideal: Spending abroad (3% foreign fee)

Can I get it?

Recommended credit: Good
Business card: you apply as a business owner. Freelancers and sole proprietors can usually apply with their own name and Social Security number.
Chase rules: 5/24: usually denied if you've opened 5+ personal cards (any bank) in the last 24 months. The bonus may be unavailable if you've had this card before.
Visa: Accepted almost everywhere, including Costco warehouses (Visa only).

Check the current offer at Chase

Updated Nov 4, 2026.