Chase
Ink Business Unlimited
Annual Fee
$0
Bonus Value
$1,000
Min Spend
$8K/4mo
Current Welcome Offer
1,000
Cash — worth ~$1,000
Spend $8,000 in 4 months
Elevated offerOffer history since tracking began
7 data points
Verified from issuer
Card data snapshot May 13
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Key facts
| Annual fee | $0 |
|---|---|
| Welcome bonus | 1,000 Cash after $8,000 spend in 4 months |
| Bonus value estimate | ~$1,000 |
| Top earning rates | 1.5× dining · 1.5× groceries · 1.5× travel |
| Points program | Chase UR |
| Card network | Visa |
| Foreign transaction fee | 3% |
| Editorial score | 4.1 / 5 |
What you get
All 3 perks ↓Perks/yr up to
$1,150
Annual Fee
$0
Historical Intelligence
Offer history & timing
As of today, the Ink Business Unlimited welcome offer is 1,000 points. CreditPoints has tracked 7 offer changes for this card; the tracked average is 900 points and the highest offer in our dataset is 900 points (December 2022). The December 2022 high is a historical milestone from public archival records — CreditPoints' own daily tracking began in 2026.
Current
1,000
Average
900
Known High
900
Recent changes
2024-09
NerdWallet (Wayback)
2024-04
NerdWallet (Wayback)
2023-10
NerdWallet (Wayback)
2023-04
NerdWallet (Wayback)
2022-12
NerdWallet (Wayback)
Highest observed since tracking started: 900 (2022-12)
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 900). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on 7 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$1,235 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 900). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · Jun 12
Ecosystem
Chase Ultimate Rewards
Chase's transferable points currency — highly valuable via Hyatt, United, and airline partners.
✓ Transferable to 13 partners
Opens the Chase Ultimate Rewards ecosystem with access to Ultimate Rewards and 13 transfer partners.
Value
First-year value estimate
Conservative
+$1,187
65% benefit utilization, minimal travel redemptions
Realistic
+$1,235
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,292
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$235/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $1,150/yr in benefits
🛡️insurance
Cell Phone Protection
$1000/yr
Up to $1,000 per claim for covered theft or damage, $100 deductible.
Phone bill must be paid with card; covers up to 3 phones
Purchase Protection
$100/yr
Covers new purchases for 120 days against damage or theft, up to $10,000 per claim.
Extended Warranty
$50/yr
Extends US manufacturer warranties of 3 years or less by an additional year.
Live Data
Issuer data snapshot
Card details captured: May 13, 2026
high confidenceEstimated Net Annual Value
$250
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Cardholders who prefer simple cash back rewards with no category tracking
- Business owners looking to separate expenses and earn on business purchases
- Anyone wanting rewards with no annual fee commitment
Not Best For
- Cardholders who rarely use the primary earning categories for this card
Current Offer Status
Offer status
1,000 Cash
Last verified
Jun 12, 2026
Annual fee
$0 — No annual fee
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Consider these cards instead
Chase
Ink Preferred
Small business owners with meaningful spend on travel, advertising, shipping, or phone/internet services
$95/yr
100,000 pts
View review
Chase
Ink Cash
Business owners with significant internet/cable/phone and office supply bills who want UR without an annual fee
No fee
$1,000
View review
Chase
Ink Premier
Step-up option with more premium benefits for heavy travelers.
$195/yr
$1,000
View review
FAQ
Frequently asked questions
What's the current Ink Unlimited welcome bonus?
1,000 Cash after spending $8,000 in the first 4 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
What are the main benefits of the Ink Unlimited?
The highest-value benefits we track on the Ink Unlimited: Cell Phone Protection (~$1,000), Purchase Protection (~$100), Extended Warranty (~$50). Combined tracked benefit value is up to ~$1,150 per year. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Ink Unlimited?
Realistic target: 660+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 660+ is the floor for reliable approval on cards in Ink Unlimited's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Ink Unlimited come with?
Chase doesn't publish credit limits for the Ink Unlimited — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
How many transfer partners does Ink Unlimited have?
Ink Unlimited earns Ultimate Rewards (Chase UR), which transfers 1:1 to 14+ airline and hotel programmes as of 2026. Compared to other transferable-points programmes, that puts it in the upper tier — only Amex MR has more partners. For sweet-spot redemptions, transferring to a partner typically beats portal redemption by 2-3× CPP.
Can I transfer Ink Unlimited points to World of Hyatt?
Yes — at 1:1. World of Hyatt accepts 1:1 transfers from Chase Ultimate Rewards and Bilt Rewards only, so Ink Unlimited qualifies via its Ultimate Rewards (Chase UR) ecosystem. Peak nights at Park Hyatt and Andaz properties redeem at 3–5 cents per point, the highest CPP in the points game.
Editorial guides
More on Ink Unlimited and Chase
The Chase Ink Trifecta: How to Stack Three Business Cards for Maximum UR
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Compare Chase Ink Cash (5x office/internet), Ink Unlimited (1.5x flat), and Amex Blue Business Plus (2x MR) — the three best no-fee business cards. No annual fee, no compromise.
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Chase Ink Business Unlimited Review 2026: Flat 1.5%, $0 Fee
A full 2026 review of the flat 1.5% no-fee business card — who should get it, how Ink points become transferable Ultimate Rewards, and how the 5/24 rule applies.
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Tools & next steps
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Ink Business Unlimited
Current offer: 1,000 Cash — worth ~$1,000
Apply via ReferralChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
Ink Unlimited
1,000 Cash offer