Chase Ink Business Unlimited: $750 Bonus, 1.5% Back, No Annual Fee Review 2026
Ink Business Unlimited gives small businesses a simple 1.5% earn rate with no category tracking. It becomes more valuable if the rewards are combined with a premium Ultimate Rewards account.
Your card estimate
Net first-year value
First year
+$1,300
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $450 in rewards.
SwitchWize take
Cash-back optimizer
Bonus value
$1,000
Rewards
1.5% cash back
Annual fee
$0
APR
16.74%-27.74%
Pros & cons
- Unlimited flat-rate business rewards
- No annual fee
- Large welcome bonus
- Employee cards at no added cost
- Foreign transaction fee applies
- No bonus categories
- Base rate trails 2% business cards
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Points value
What Chase Ultimate Rewards points are actually worth
This card earns Ultimate Rewards points, currently valued at 2.05¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full Chase Ultimate Rewards program page or the full valuation methodology.
Offer history
How today's bonus compares
Current public welcome offer
$1,000
Observed Jun 21, 2026
12-month best
$1,000
4 tracked observations
Signal
At or near tracked best
Last history update Aug 23, 2026
Current offer is near the observed high. Tracked since Jun 21, 2026, range $750–$1,000 across 4 tracked readings — not a signal to act by any deadline, just context on where today's offer sits historically.
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (2026-06-21 00:00:00+00). Tracked since Jun 21, 2026 across 4 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$0 annual fee
16.74%-27.74% variable
Spend requirement: $8,000 in 4 months
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
Foreign transaction fee applies
Comparison set
Other cards to compare first
Bottom line
Is Chase Ink Business Unlimited: $750 Bonus, 1.5% Back, No Annual Fee worth it?
Ink Business Unlimited gives small businesses a simple 1.5% earn rate with no category tracking. It becomes more valuable if the rewards are combined with a premium Ultimate Rewards account.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term