Ink Business Unlimited Credit Card

Chase Visa Premium Pending

Back Apply Now

0

Benefits

0

Reward Categories

—

Max Reward

18.5%

APR From
Basic Information
PENDING

Program ID: ink-business-unlimited

Issuer: Chase

Card Name: Ink Business Unlimited Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:27

Last Scraped: Jan 15, 2026 16:29

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Ultimate Rewards Points

Base Rate: 1.5x

Bonus Rate: 1.5x

Categories: 1.5x on all eligible purchases

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.02¢

Travel Portal Multiplier: 1x

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).

Redemption Penalties: None for standard redemptions (cash back, gift cards, travel portal). Transfer to partners requires a premium Chase Ultimate Rewards card.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

90,000

Points/Miles

Requirement: Spend $6,000 in 90 days

Timing: Typically within 6-8 weeks after meeting the spending requirement, points are posted to your Chase Ultimate Rewards account.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $0.50
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 18.49% - 24.49%

Balance Transfer APR: 18.49%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Promo Financing: Introductory APR

Promo Duration: 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
690 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 10

Min 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.

Cliff Effect Rules: While the Ink Business Unlimited is generally distinct from other Ink cards (Ink Business Cash, Ink Business Preferred) allowing you to hold multiple Ink products simultaneously, eligibility for the welcome bonus is typically restricted if you currently hold or have received a bonus for *this specific card* within the last 24 months. There are no direct 'cliff effects' related to the Sapphire family for Ink cards, but overall Chase credit limits and total credit exposure can impact approvals for additional cards.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0