The Chase Ink Business Unlimited has no annual fee and earns a flat 1.5% cash back on every purchase with no categories and no cap. Its cash back is Ultimate Rewards that can transfer to airline and hotel partners if you also hold a Chase Sapphire or Ink premium card, which is what makes a simple 1.5% card punch above its weight. Figures are as of 2026. Confirm current terms and welcome offers at Chase.
What the Ink Business Unlimited earns
| Category | Rate |
|---|---|
| Annual fee | $0 |
| Every purchase | 1.5% flat, no cap |
| Bonus categories | None |
| Rewards | Ultimate Rewards, transferable when paired with a premium Chase card |
The perks and details
Advertisement
The appeal is simplicity with an upgrade path. Every purchase earns 1.5% with nothing to track, it reports to business credit, adds free employee cards, and includes purchase and travel protections. Paired with a Sapphire or Ink premium card, that flat cash back becomes transferable points worth more on travel. It counts toward Chase 5/24, so time the application. Confirm current benefits at Chase. Every destination is listed in Chase transfer partners.
The fee math
With no annual fee, the 1.5% is pure return, and there is no cap to worry about. On its own it trails a flat 2% cash-back card, so the case rests on the transfer upside: move the points to a premium Chase card and redemptions can beat 2% by a wide margin. Confirm current terms and any welcome offer at Chase.
See the Chase rules
Check your 5/24 status before you apply for another Ink card.
Who it fits and who it does not
It fits a business that wants one flat rate and already holds, or plans to hold, a premium Chase card for transfers. It fits less if you will only ever take cash back, since a 2% card earns more on the same spending. Confirm current terms at Chase.
More card guides
Compare this card
FAQ
Does the Ink Business Unlimited have an annual fee?
No, the Chase Ink Business Unlimited has no annual fee. Confirm current terms and any welcome offer at Chase.
What does the Ink Business Unlimited earn?
A flat 1.5% cash back on every purchase, with no categories and no cap. Confirm current terms at Chase.
Can its rewards become travel points?
Yes, paired with a Chase Sapphire or Ink premium card, its Ultimate Rewards can transfer to airline and hotel partners. Confirm current rules at Chase.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.