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Card Economics

Annual Fee: $0
Ongoing Annual Value: $321
First-Year Value Estimate: $1,432
Net Value: +$321

Card type: BusinessForeign transaction fee: 3%Currency: Chase Ultimate Rewards

Ink Business Unlimited

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Sign-up Bonus

$1K (*awarded as 100,000 points) after $8k spend in the first 4 months

Earning Structure

5XLyft (through 9/30/2027)7.5%

1.5XAll other purchases2.2%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Lyft (through 9/30/2027)?Is this the best card for All other purchases?

Benefits

Credits & Perks (1)

Instacart: $20 (Monthly)
Monthly Instacart credit.

Protections (6)

Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
Lost Luggage Reimbursement — up to $3,000 — Up to $3,000 per covered traveler for lost luggage
Baggage Delay Insurance — up to $500 — Up to $100 per day for 5 days for essential purchases when baggage delayed over 6 hours
Purchase Protection — up to $10,000 — 120 days coverage for theft/damage/involuntary parting
Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
Auto Rental Collision Damage Waiver (primary) — up to $60,000 — Primary coverage up to $60,000 for rental car damage/theft (secondary for NY residents with personal auto insurance)

Other Perks

Complimentary Instacart+ for 3 months (must activate by 12/31/27)

The Chase Ink Business family