Chase · Visa
Ink Business Unlimited
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
Annual Fee
$0
Sign-Up Bonus
$1,000
Current offer shown; issuer determines eligibility.
Spend $8,000 in 4mo
Terms apply.
Base Rate
1.5x
on everything
Best For
Simple flat-rate business rewards
Sign-Up Bonus
Bonus: 100,000 points
Details: $1,000 cash back (100,000 points) after $8,000 spend in 4 months — elevated offer ending 2026-09-17 09:00 ET, after which Chase reverts to a $750 standard offer
Requirement: Spend $8,000 in 4 months
Estimated value: $1,000Terms apply. Current offer shown; issuer determines eligibility.
Key Benefits
Perks (not counted in our math)
Add employee cards with individual spending limits
Covers new purchases for 120 days against damage or theft
Extends eligible warranties by 1 year
Pros & Cons
Pros
- + No annual fee
- + 1.5x on everything — no categories to track
- + $1,000 sign-up bonus
- + Pairs with Sapphire to unlock 2¢+ point value
- + Employee cards free
Cons
- - 1.5x is decent but not best-in-class for any single category
- - Requires a business
- - No travel perks
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Recommended credit score: 680+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.