Chase Launches Ink Business Unlimited: $500 Bonus, No Annual Fee

The Chase Ink Business Unlimited sign-up bonus is unusually large for a cash-back offer. It also offers simple 1.5% earnings back on all purchases.
Claire Tsosie
By Claire Tsosie 
Edited by Kenley Young

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

»This article is out of date

Check here for the latest information on the Ink Business Unlimited® Credit Card.

Chase is making a splash in the world of small-business credit cards with the Ink Business Unlimited® Credit Card.

The $0-annual-fee card, now accepting applications, starts off with a $500 sign-up bonus that’s unusually large for a cash-back offer.

It also comes with 1.5% back on all purchases, giving it solid long-term value.

Key features of the Ink Business Unlimited® Credit Card

  • Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

  • APR: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR

  • Annual fee: $0

  • Rewards: 1.5% back on all purchases

  • Foreign transaction fee: 3% of each transaction in U.S. dollars

  • Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Rewards are paid out in the form of Chase Ultimate Rewards® points, and 1 point is worth 1 cent.

You can redeem rewards earned with the Ink Business Unlimited® Credit Card for cash back, gift cards, travel and other items. Cash-back rewards don't expire as long as your account is open. There’s no minimum redemption required.

To unlock potentially more valuable redemption options, you can also move these rewards to other Chase Ultimate Rewards® accounts. For example, say you had the Ink Business Preferred® Credit Card. You could move your Ink Business Unlimited® Credit Card rewards over to that account and redeem points for 1.25 cents each through Chase's travel portal or transfer them to loyalty programs at a 1:1 ratio, options that aren't available on the Ink Business Unlimited® Credit Card

Should you get it?

Because it charges foreign transaction fees, the Ink Business Unlimited® Credit Card isn’t a good choice for folks who plan to travel internationally. But its flat-rate rewards make it a perfect fit for entrepreneurs who don't want to deal with cumbersome bonus category terms. Its generous sign-up bonus and introductory 0% APR period are also a boon for those planning to make a major purchase and pay it down over time.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Get Started
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.