The Ink Business Unlimited is the simple option in Chase's business lineup: 1.5% back on every purchase, no categories to track, and no annual fee. Chase raised the signup bonus in June from $750 to $1,000 after $8,000 in spend in the first four months, a strong return for a card that costs nothing to hold, and the 12-month 0% intro APR on purchases makes it usable for equipment or inventory you plan to pay off over the year. The flip side is that 1.5% is all there is: no bonus categories, and no ongoing perks beyond a three-month Instacart+ membership with a $20 monthly credit. It also charges foreign transaction fees, so keep it away from overseas suppliers. Use it alongside a category card, catching whatever spending the other card does not reward.
Earn rates & credits
| Category | Rate |
|---|---|
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5% |
Everything Else | 1.5% |
Card details
Regular APR | 16.74%–24.74% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | Yes |