Ink Business Unlimited Credit Card
Basic Information
Program ID: ink-business-unlimited
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:27
Last Scraped: 01/15/2026 16:29
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $15 or 5% of the amount of each advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,849.00% - 2,449.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 1,849.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $90,000.00
Spending Requirement: $6,000.00
Time Period: 90 days
Bonus Timing: Typically within 6-8 weeks after meeting the spending requirement, points are posted to your Chase Ultimate Rewards account.
Rewards Program
Reward Type: Ultimate Rewards Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: 1.5x on all eligible purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: United Airlines, Southwest Airlines, British Airways, Iberia, Aer Lingus, Air France-KLM Flying Blue, Virgin Atlantic, Singapore Airlines, Marriott Bonvoy, World of Hyatt, IHG One Rewards (Note: Direct transfer to partners requires combining points with a premium Chase Ultimate Rewards card like Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred).
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Ink Business Unlimited card and its welcome bonus (e.g., $750 cash back equivalent after spending $6,000 on purchases within the first 3 months of account opening, typical for 2026), applicants must meet several key criteria: 1. **Chase 5/24 Rule**: The applicant must not have opened 5 or more personal or business credit cards from any issuer in the past 24 months. This rule is strictly enforced by Chase. 2. **Legitimate Business**: Applicants must operate a legitimate business, which can include sole proprietorships (using an SSN), LLCs, corporations, or partnerships (using an EIN). 3. **Previous Bonus Eligibility**: Generally, applicants are not eligible for the welcome bonus if they currently hold the Ink Business Unlimited card or have received a new cardmember bonus for this specific card in the past 24 months. 4. **Chase Internal Application Velocity**: Subject to Chase's internal application velocity rules, which may limit the number of cards an individual can apply for within a short period (e.g., 2 cards in 30 days for personal cards, though business card rules can be slightly more lenient but still subject to scrutiny). 5. **Creditworthiness**: Applicants must meet Chase's creditworthiness standards, including a good personal credit score and sufficient income/business revenue.
Maximum Cards Per Issuer: 10
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) activities, rapid accumulation of high credit limits across multiple Chase cards, suspicious spending patterns inconsistent with the declared business type, frequent balance transfers without genuine business activity, applying for business cards without a legitimate business, defaulting on payments, or closing accounts too quickly after receiving a welcome bonus.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Simple, flat-rate cash back on all purchases; no annual fee; valuable sign-up bonus; points can be combined with other Chase Ultimate Rewards cards for higher value.
Top Negative Feedback:
Lacks bonus categories compared to other Ink cards; foreign transaction fees apply; approval can be challenging due to Chase's 5/24 rule and business credit requirements.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Ink Business Cash
- American Express Blue Business Plus
- Capital One Spark Cash Select
Card Value Score: 88.0 / 100
Est. Annual Rewards: $900.00
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 96 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0