Chase Ink Business Unlimited Review
The business version of the Freedom Unlimited — flat 1.5% that becomes 1.5x transferable points in the Chase ecosystem.
Welcome bonus
$750 cash back after spending $6,000 in the first 3 months. Occasionally elevated to $900+.
Rewards structure
- 1.5%every business purchase, no category caps
Perks & benefits
- No annual fee
- 0% intro APR on purchases for 12 months
- Purchase protection and extended warranty
- Cell phone protection when you pay the phone bill with the card
- Employee cards at no cost
- Business card does not count toward Chase 5/24 on personal applications
Who this card is for
- Small business owners whose spending is broadly distributed (not category-heavy)
- Freelancers who want maximum flexibility with zero effort
- Chase Trifecta builders adding a business card for combined UR points earning
Pros & cons
Pros
- No annual fee — a lifetime hold that never costs anything
- 1.5% flat is fine standalone; becomes 1.5x transferable UR when paired with a Sapphire
- Highest current welcome bonus of any no-fee business card ($750 is unusual)
- Combined with Ink Cash and a Sapphire, this is the classic Chase Business Trifecta
Cons
- 1.5% flat rate is beaten by 2% flat cards like Capital One Spark Cash (which does have a $95 fee)
- Requires actual business use to apply honestly
- Foreign transaction fee of 3% — not for international spend
- No 5% categories — for category-heavy business, the Ink Cash outperforms
Our take
The Ink Unlimited is the Freedom Unlimited's business twin. 1.5% cashback flat on every purchase, no annual fee, no category tracking. Standalone it is fine but not exceptional — a Capital One Spark Cash returns 2% flat for a $95 fee, and if you have any spend at all it makes the fee back.
Where the Ink Unlimited earns its place is in the Chase ecosystem. Combined with a Sapphire Preferred, its 1.5% becomes 1.5x transferable Ultimate Rewards points on every business purchase. That is 1.5x transferable points on rent, on advertising spend, on software subscriptions, on any category that no other business card can bonus. Effectively, that is 3–4¢ per dollar in Hyatt hotel value, on every business purchase, forever.
Hold this card if you have any legitimate business spend and any Chase travel card. The math is unambiguous. If you are cashback-only (no Sapphire), the Ink Unlimited is still a solid no-fee 1.5% card, and the current $750 welcome bonus alone is worth applying for even if you close it after year one.