Highlights
- Unlimited 1.5% Cash Back on all eligible business purchases, with no category tracking and no spending cap.
- No annual fee on the primary card or employee cards; employee cards have no extra cost, and you can set an individual spending limit on each one.
- Eligible Lyft purchases earn a combined 5% Cash Back through September 30, 2027.
- Redeem through Chase Ultimate Rewards® for cash back, gift cards, travel, and other available options.
Issuer: Chase
Network: Visa
Card type: Credit card
Annual fee: USD 0 for the primary card; no extra fee for employee cards
Foreign transaction fee: 3%
Rewards are Cash Back rewards tracked in Chase Ultimate Rewards®: flexible, and usually worth more than a typical cash-back card.
Welcome offer
【August 25, 2026 update】 A record USD 1,000 cash back, equal to 100,000 UR points:
- Spend USD 8,000 in the first four months to earn USD 1,000 Cash Back. Chase says to allow six to eight weeks after you qualify; the account must be open and not in default when the bonus posts.
- Balance transfers, cash advances, cash-like transactions (including travelers checks, foreign currency, money orders, wire transfers, and cryptocurrency), gambling, P2P / account-funding, checks, interest, fees, and unauthorized or fraudulent charges do not count. Returns or refunds reduce qualifying spend.
- People who previously held this card, or another no-annual-fee Chase for Business card, may not receive the new-cardmember bonus. Chase may also look at other business-related factors. The site says the offer can differ by online, in-branch, and other application channels, and may change.
Apply through the referral link 🔗 (the page shows more than one card; look for Ink Unlimited)
Application requirements: the business headquarters must be in the 50 U.S. states or the District of Columbia. All beneficial owners and employee cardholders must have an address in the 50 U.S. states, the District of Columbia, Guam, Puerto Rico, the U.S. Virgin Islands, or a U.S. military address.
Past welcome offers
【January 2025 update】 A record $900 + 12 months of 0% APR
- Spend $6,000 in the first three months.
Everyday earning
5%: Eligible Lyft products and services bought through the Lyft mobile app earn a combined 5% Cash Back through September 30, 2027. That includes this card’s usual 1.5% plus an extra 3.5% promotional rebate. Lyft gift cards, car rentals, vehicle service centres, miscellaneous fees, and other ineligible Lyft products and services do not qualify.
1.5%: All eligible business purchases earn unlimited 1.5% Cash Back, which is 1.5 Chase Ultimate Rewards® points per USD 1. Balance transfers, cash advances, cash-like transactions, gambling, checks, interest, fees, and unauthorized or fraudulent charges do not earn rewards.
Benefits & insurance
- Complimentary Instacart+ Membership
Activate once with an eligible card and a U.S. address between May 1, 2025 and December 31, 2027 to receive a 3-month Instacart+ membership. If you do not cancel when it ends, it auto-renews at USD 99 a year or the then-current annual price. After activation, up to USD 20 in credit is loaded automatically each month into the Instacart Business Account. You must complete enrolment, unused monthly credit does not roll over, and the benefit ends on December 31, 2027.
- Employee Cards
You can add employee cards at no extra cost and set an individual spending limit on each one. Employee spend still earns rewards for the account. The authorizing officer and the business remain responsible for all charges and repayment by the officer, employee cardholders, and anyone allowed to use the account.
- Chase Pay Over Time®
Eligible posted purchases of at least USD 100 can be repaid in 3 to 24 instalments. There is no interest, but there is a fixed monthly fee. Access is not guaranteed and can change with creditworthiness, credit limit, and account behaviour. Cash-like transactions, fees, and other ineligible charges cannot use it.
Travel insurance
- Auto Rental Coverage
You must pay the entire rental with this card and decline the rental company’s CDW/LDW collision/theft waiver. For a business-purpose rental, theft and collision coverage up to USD 60,000 is primary. Outside the United States, coverage is primary where it is available; personal-use rentals inside the United States are usually secondary. Only the primary renter and drivers permitted on the rental contract are covered, for up to 31 consecutive days. Vehicles with a manufacturer’s suggested retail price above USD 125,000, exotic cars, motorcycles, luxury limousines, chauffeur-driven vehicles, some vans and large passenger vehicles, and car-sharing platform rentals do not qualify. Bodily injury, third-party property, personal belongings, and diminished value are not covered. Report an accident or theft as soon as possible, and no later than 100 days; submit required materials within 365 days.
- Travel and Emergency Assistance
While travelling away from home, you can get 24/7 help with medical, legal, emergency messages, emergency transport, lost tickets/luggage, translation, and prescription assistance or referrals. This is an assistance service, not reimbursement for medical or legal bills. The traveller pays for any medical, legal, transport, cash-advance, medication, translation, or other goods and services actually obtained.
- Roadside Assistance
In the United States and Canada you can call 24/7 for roadside help with no membership or pre-registration, but it is a pay-per-use service rather than free insurance. The provider tells you the agreed fee before dispatching. A standard tow includes up to 5 miles; they can also arrange a tire change, jump start, fuel delivery (fuel extra), lockout, and standard winching within 100 feet of a paved road or highway. Anything beyond the included limits, extra mileage, or special circumstances is paid by the user.
Purchase protections
- Purchase Protection
If you pay all or part of an eligible new item with this card or redeemable rewards, and it is stolen, damaged, or lost through involuntary accidental parting within 120 days of purchase (90 days for New York residents), it can be covered. Limits are USD 10,000 per item and USD 50,000 per account. Coverage is secondary: you must claim against other valid insurance or reimbursement first, and the insurance deductible can be included. Used/resale goods, software, motor vehicles and their accessories, plants and animals, antiques and collectibles, cash and tickets, items in a common carrier’s care during shipping, normal wear, inherent product defects, and unexplained disappearance do not qualify. File a claim within 90 days of the loss and submit required materials within 120 days; a theft claim may need a police report filed within 48 hours.
- Extended Warranty Protection
If you pay all or part of an eligible item with this card or redeemable rewards, and it has a valid U.S. manufacturer repair warranty, coverage can add one extra year when the original warranty, or that warranty plus a store warranty / purchased service contract, is no longer than three years. Combined coverage cannot exceed four years. Limits are USD 10,000 per item and USD 50,000 per calendar year; the payout is the lowest of repair, a like replacement, or the amount charged/redeemed. Cars, boats, aircraft and other motorized vehicles and their accessories, resale or rental goods, software, medical equipment, and used items do not qualify. File a claim within 90 days of the breakdown and submit required materials within 120 days. The Guide to Benefits that applies to the account is the final authority.
