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Credit Card Review💼 Best Flat-Rate Business Card

Ink Business Unlimited® Credit Card

Issued by Chase

Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027 — plus $1,000 cash back after $8,000 spend in first 4 months (limited-time offer; verify current terms).

At a Glance

Annual Fee

$0

Purchase APR

16.74%–24.74%

Rewards Rate

Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027

Min. Credit Score

670+ (est.)

Intro APR

0% on purchases for 12 months

Sign-Up Bonus

$1,000 cash back after $8,000 spend in first 4 months (limited-time offer; verify current terms)

Rates & Fees

Annual Fee

$0

Purchase APR

16.74%–24.74% variable

Intro APR

0% on purchases for 12 months

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Balance Transfer Fee

5% of the amount transferred, $5 minimum

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Ink Business Unlimited® Credit Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: Also earns 5% total cash back on Lyft rides through September 30, 2027 — a limited-time promotional category not modeled here.

Est. Annual Rewards

$351/yr

After $0 Annual Fee

$351/yr

Based On

$1,950/mo

Key Features

Flat 1.5% cash back on every purchase with no categories to track

No annual fee for a business card

Employee cards at no additional cost

Pros & Cons

Pros

  • Simple flat-rate rewards ideal for businesses with varied spend
  • Large welcome bonus for a no-fee business card
  • Pairs with Ink Business Preferred or Sapphire cards to convert cash back into transferable points

Tradeoffs

  • 1.5% flat rate is lower than category-based cards for concentrated spend
  • 3% foreign transaction fee
  • Business verification required to apply

How to Apply

Check whether your credit profile is a reasonable fit — Chase generally looks for applicants around 670+ FICO for the Ink Business Unlimited® Credit Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Ink Business Unlimited® Credit Card$016.74%–24.74%Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027
Ink Business Cash® Credit Card$016.74%–29.99%5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else
Ink Business Preferred® Credit Card$9517.74%–29.99%3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else
American Express® Business Gold Card$37517.74%–28.49%4x on the 2 categories where your business spent the most each billing cycle (up to $150K/yr combined), 1x elsewhere

Frequently Asked Questions

What credit score do I need for the Ink Business Unlimited® Credit Card?

Chase generally looks for applicants with a credit score around 670+ for the Ink Business Unlimited® Credit Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Ink Business Unlimited® Credit Card?

The Ink Business Unlimited® Credit Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Ink Business Unlimited® Credit Card have a sign-up bonus?

Yes — new cardholders can currently earn $1,000 cash back after $8,000 spend in first 4 months (limited-time offer; verify current terms). Bonus terms and required spend change over time, so confirm the current offer on Chase's site before applying.

What fees should I watch for on the Ink Business Unlimited® Credit Card?

Beyond the annual fee, check the foreign transaction fee (3% of each transaction in U.S. dollars), balance transfer fee (5% of the amount transferred, $5 minimum), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Ink Business Unlimited® Credit Card compare to similar cards?

The Ink Business Unlimited® Credit Card is one of several business cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of business cards for more options.

Other Credit Cards

Ink Business Cash® Credit Card

5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else

Ink Business Preferred® Credit Card

3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else

American Express® Business Gold Card

4x on the 2 categories where your business spent the most each billing cycle (up to $150K/yr combined), 1x elsewhere

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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