Ink Business Unlimited: Let Every Purchase Pay You Back

Want your business spending to deliver even more? Discover the full set of rewards, perks, and tools that come with the Ink Business Unlimited card.

Think about everything your business paid for last month: software, fuel, supplies, maybe a client dinner or two. Now picture a slice of that money coming back to you, automatically, with nothing to track or activate. That's the idea behind the Ink Business Unlimited card from Chase.

It starts strong, too. New card members can earn $750 cash back after spending $6,000 on purchases in the first 3 months, and the card itself has a $0 annual fee. In other words, you keep what you earn.

Here's what that can mean for your day-to-day:

• More room in your budget to reinvest, hire help, or build a cushion
• Less time spent on finances and more time spent running your business
• Clearer books with company expenses kept apart from personal ones

It's no surprise the card was named NerdWallet's 2026 Best Small-Business Credit Card.

Main Benefits

• Rewards on autopilot: Earn unlimited 1.5% cash back on every purchase, with no categories or caps to manage.
• Breathing room for big purchases: Enjoy a 0% intro APR on purchases for 12 months, which helps when you invest in equipment or inventory.
• Nothing to pay to keep it: The $0 annual fee means every reward goes straight to your bottom line.
• Cards for your whole team: Add employee cards at no additional cost, and their purchases help you earn faster.

Curious whether your business can start earning cash back on every purchase? Find out what it takes to qualify for the Ink Business Unlimited.

What is the Ink Business Unlimited?

The Ink Business Unlimited is a Visa business credit card issued by JPMorgan Chase Bank, N.A., part of one of the largest financial institutions in the country. It belongs to Chase's Ink family of business cards, a lineup created specifically for owners, freelancers, and growing companies.

For you, that background translates into practical advantages. You get the reliability of a major bank, wide Visa acceptance, and a well-established rewards platform in Chase Ultimate Rewards. Plus, Chase's digital tools make it easy to manage the account wherever you are.

Above all, the card was designed around simplicity. Instead of memorizing bonus categories or adjusting your spending habits, you can keep running your business as usual while your purchases quietly generate value. As a result, the card fits into your routine rather than asking you to change it.

How Your Cash Back Adds Up

A flat rate becomes much more meaningful once you see it in real numbers. Since every purchase earns the same 1.5% cash back, calculating your potential rewards is simple.

For example, a business that spends $5,000 per month on the card would earn about $75 each month, or $900 per year. Meanwhile, a company spending $10,000 per month would earn roughly $150 monthly, which adds up to $1,800 per year.

On top of that, the $750 welcome bonus can boost the first year considerably. In the $10,000 scenario, your first-year total could reach $2,550 in cash back. And because employee purchases count toward the same account, your whole team contributes to that total.

Ways to Use Your Rewards

Once your cash back accumulates, you have several options for putting it to work. Through Chase Ultimate Rewards, you can redeem it as a statement credit, a deposit into an eligible bank account, gift cards, or travel.

This flexibility lets you match your rewards to your company's needs. For instance, you might use a statement credit to offset a recurring software subscription, deposit the money into your business account for emergencies, or book a trip to meet a client.

Better yet, your points don't expire as long as your account remains open. So, you can redeem them right away or let them grow until you have a specific goal in mind.

Tools That Keep Your Team's Spending Organized

Managing company expenses becomes easier when your card offers built-in controls. With the Ink Business Unlimited, you can issue employee cards and set individual spending limits for each person, which gives your team the freedom to buy what they need while you keep oversight.

In addition, account alerts help you stay informed about activity on the account. The Chase Mobile app also lets you review transactions, make payments, and monitor your rewards from your phone, whether you're at the office or on the road.

Together, these tools help you spend less time reconciling receipts. Consequently, tax season and monthly bookkeeping become far more manageable.

Still deciding whether the Ink Business Unlimited fits your business? Take a closer look at its fees, requirements, and pros and cons, so you can choose with confidence.

Frequently Asked Questions