Ink Business Unlimited
ChaseNo annual feeVisa Signature Business3% foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
$750
after $6,000 in purchases in the first 3 months
Lower than the $1,000 offer (after $8,000 spend) we last recorded in September 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$750 cash | $750 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Instacartof $240 face value | +$101 |
| Annual fee | $0 |
| Meeting the $6,000 minimumearns 1.5% here vs 2% on Double Cash | −$30 |
| First year | $821 |
| Each year after | +$256 |
Not counted in the first year: protections (each year after counts them).
With a Sapphire Preferred: $337 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Lyftthrough 9/30/2027 | 5% (7.5%) |
| 1.5X | Everything else | 1.5% (2.2%) |
Noteworthy perks
- Instacart$240 a year
Business card · Earns Chase Ultimate Rewards
Benefits
Credits & Perks (1)
- Instacart coupon: $20 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly Instacart coupon with an active Instacart+ membership (through 12/31/27).
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
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from null to trueOct 11, 2026
- changed from null to Ink Business UnlimitedOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from $1K (*awarded as 100,000 points) after $8k spend in the first 4 months to $750 (*awarded as 75,000 points) after $6k spend in the first 3 monthsSep 18, 2026
- changed from 8000 to 6000Sep 18, 2026
- changed from 120 to 90Sep 18, 2026
- was 2026-09-17, removedSep 18, 2026
- changed from null to 2026-09-17Sep 12, 2026
- changed from null to 8000Aug 13, 2026
- changed from null to 120Aug 13, 2026