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Chase Business

Chase Ink Business Unlimited benefits guide.

A no-annual-fee business card with a flat 1.5% on every business purchase, primary auto rental coverage, and the ability to convert earnings to transferable Ultimate Rewards points when paired with an Ink Preferred or Sapphire card.

Chase Business

Chase Ink Business Unlimited

Last updated: June 19, 2026. Verify current terms, earning rates, and protections with Chase before applying or relying on coverage.

Core earning rate

  • 1.5%All business purchases — no categories, no annual caps, no activation required.

Card snapshot

Rewards currencyCash back (convertible to UR points if paired with Ink Preferred or Sapphire)
Primary categories1.5% flat on all business purchases — no categories, no caps
Credit structureNo statement credits; no annual fee
Travel profilePrimary auto rental coverage; trip cancellation; no FTF

What this card is built around

The Chase Ink Business Unlimited is the simplest business card in the Ink lineup. Every business purchase earns 1.5% with no categories to track, no caps to monitor, and no activation required. For businesses whose spending doesn't concentrate in office supply or telecom categories (where the Ink Cash excels), the Ink Unlimited ensures a consistent above-1% return on everything.

The card earns cash back natively, but when paired with a Chase Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve, those earnings convert to transferable Ultimate Rewards points. A common multi-card Ink stack routes high-category spending through the Ink Cash at 5% and all other business spend through the Ink Unlimited at 1.5% — both feeding into the same UR account via an Ink Preferred or Sapphire.

Ink Unlimited vs. Ink Cash — how they complement each other

Use Ink Cash for…

Office supply stores and internet/cable/phone services (5% up to $25k/year). Gas stations and restaurants (2% up to $25k/year). Businesses with heavy spending in these categories should route those purchases through Ink Cash rather than Ink Unlimited.

Use Ink Unlimited for…

Everything that doesn't qualify for a higher Ink Cash rate — software subscriptions, professional services, equipment, contractors, and any spending above the Ink Cash annual caps. The 1.5% is materially higher than the 1% fallback of Ink Cash for non-category spending.

Unlock transfer value

Hold a Chase Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve in the same Chase login. Both Ink Cash and Ink Unlimited cash back combine into that account and become transferable UR points. The Ink Unlimited's 1.5% becomes 1.5x UR per dollar on all non-bonus business spending — competitive with premium travel cards for that use case.

Ink Unlimited vs. Freedom Unlimited

Both cards earn 1.5% flat. Ink Unlimited is a business card without the 3% dining and drugstore bonus that Freedom Unlimited offers. Ink Unlimited earns no bonus on dining. If you're a sole proprietor, you could hold both — Ink Unlimited for business purchases, Freedom Unlimited for personal spend including dining at 3%.

Protections and coverage

Benefit What it may cover Key limits
Auto Rental Collision Damage Waiver (Primary) Primary coverage for damage or theft of a rental car when renting for business purposes, declining the rental company's CDW, and charging the full rental to the card. Coverage for most covered vehicles when renting for business. Certain vehicle types excluded. File claim with Chase rather than personal auto insurance.
Trip Cancellation/Interruption Insurance May reimburse prepaid, non-refundable travel expenses when a covered trip is canceled or interrupted for a covered reason. Up to $1,500 per person, up to $6,000 per trip.
Purchase Protection May cover eligible purchases against accidental damage or theft for a limited period after purchase. Up to $10,000 per claim, up to $50,000 per account. 120 days from purchase date.
Extended Warranty Protection May extend the original manufacturer's warranty on eligible products. Adds up to 1 year to warranties of 3 years or less on eligible purchases.
No Foreign Transaction Fees Purchases outside the United States do not incur Chase foreign transaction fees. Applies per card terms.

This card is a fit if…

  • Your business spending is broad and doesn't concentrate in the specific categories where Ink Cash earns 5% — the flat 1.5% is simpler and captures more spend at a reasonable rate.
  • You hold or plan to hold an Ink Business Preferred or Sapphire card to convert Ink Unlimited earnings to transferable Ultimate Rewards points.
  • You're building a multi-card Ink stack: Ink Cash for 5% office/telecom categories, Ink Unlimited as the catch-all — both paired with Ink Preferred for UR value.
  • You need primary auto rental coverage on business trips without paying an annual fee.

FAQ

Chase Ink Business Unlimited questions.

What is the earning rate on Chase Ink Business Unlimited?

A flat 1.5% cash back on all business purchases. No rotating categories, no spending caps, no activation. Every business purchase earns 1.5%.

Can Ink Business Unlimited earn transferable Ultimate Rewards points?

Not on its own. But if you hold a Chase Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve in the same Chase login, you can combine Ink Unlimited earnings into that account and convert them to transferable UR points for airline and hotel partners.

Does Ink Business Unlimited have primary auto rental coverage?

Yes, when renting for business purposes. Decline the rental company's CDW and charge the full rental to the Ink Business Unlimited. This is primary coverage — file with Chase directly rather than your personal auto insurance first. Vehicle exclusions apply.

How does Ink Business Unlimited compare to Ink Business Cash?

Ink Unlimited earns 1.5% flat on everything. Ink Cash earns 5% on office supply and internet/phone (up to $25k/year) and 2% on gas and restaurants (up to $25k/year), then 1% after caps. For businesses with high office/telecom spend, using Ink Cash for those categories and Ink Unlimited for everything else is the optimal pairing strategy.

Is Ink Business Unlimited the same as Chase Freedom Unlimited?

Both earn 1.5% flat, but Ink Business Unlimited is a business card and lacks Freedom Unlimited's 3% dining and drugstore bonus categories. Both can be paired with a Sapphire or Ink Preferred for UR point conversion. A sole proprietor could hold both to cover business and personal spending separately.

Related guides

More Chase Ink Business guides.

Chase Ink Business guide index Chase Ink Business Cash guide Chase Ink Business Preferred — pairing target

Sources

Primary pages to verify.