Our illustration in the card’s colours, not its design
Chase credit card
Ink Business Unlimited Credit Card
- APR up · 16.74% to 16.99% · Oct 10, 2026
No annual fee. $750 cash back after you spend $6,000 in 3 months. Purchase APR 16.99–24.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn $750 cash back”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After that, 16.99%– 24.99% variable APR. † Opens pricing and terms in new window”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
$750 cash
After you spend $6,000 on purchases in your first 3 months.
- Spending it takes
- $2,000 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
The bonus must be earned during the first 3 months after account opening. Allow 6 to 8 weeks for the bonus to post. The account must be open and not in default at fulfillment.
- Larger than about 90% of the 48 other cash bonuses we track.
Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.
“The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $180 | $180 | |
| Typical spender | $1,200 | $450 | |
| Heavy spender | $1,740 | $990 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: welcome bonus needs $6,000 in 3 months.
$180a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: welcome bonus needs $6,000 in 3 months.
$450a year
$1,200 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$990a year
$1,740 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 95% of the 48 cards on our Cash back list (see the list).
- Lower top APR than about 90% of the 45 cards on our Cash back list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Cash Back rewards
How you earn
- 5%
- 5% total cash back on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027; includes rideshare, bike and scooter rides, and subscription and membership products.
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Instacart credit: $20 monthly
- Rental car: Up to $60,000
- Emergency assistance
- Roadside
- Purchase protection: Up to $10,000 per item
All 6 benefits
- Extended warranty: Up to four years from the date of purchase
Changes
- Oct 10, 2026 APR 16.74% to 16.99%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After that, 16.99%– 24.99% variable APR. † Opens pricing and terms in new window” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · chase.com “0% Intro APR” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “16.99% to 24.99% , based on your creditworthiness and other factors.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · chase.com “5% total cash back on Lyft rides” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · sites.chase.com “Your due date will be a minimum of 20 days after the close of each billing cycle.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve ever had a bonus on this card or one of its family, you can’t get it.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of the amount of each transaction in U.S. dollars.. · chase.com, since Sep 29, 2026
- What is the purchase APR?
- 16.99–24.99% APR · chase.com, since Oct 10, 2026
- Is there an intro APR?
- 0% for the first 12 months that your Account is open. · chase.com, since Sep 29, 2026
- Is there a welcome bonus?
- $750 cash back after $6,000 in purchases in 3 months. · chase.com, since Sep 29, 2026