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 offer30-day offer history
7 data points
Verified from issuer
Last checked May 13
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What you get
All 3 perks ↓Perks/yr up to
$1,150
Annual Fee
$0
Historical Intelligence
Offer history & timing
Current
1,000
Average
900
Tracked 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. +$713 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 · May 13
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
+$480
65% benefit utilization, minimal travel redemptions
Realistic
+$713
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$942
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$413/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. 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
Verified issuer data
Last verified: 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
23 days ago
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
100,000 pts
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.
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.
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.
Editorial guides
More on Ink Unlimited and Chase
The Chase Ink Trifecta: How to Stack Three Business Cards for Maximum UR
Three Chase business cards working together: Ink Preferred earns 3x on travel and ads, Ink Cash earns 5x on office supplies, Ink Unlimited catches everything else at 1.5x. All three pool onto one UR account.
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Best No Annual Fee Business Credit Cards of 2026
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. Not affiliated with or endorsed by any card issuer.
Ink Unlimited
1,000 Cash offer