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The Ink Business Unlimited currently offers a $750 welcome bonus after $6,000 in qualifying purchases during the first three months after account opening, and it has a $0 annual fee. The offer can change, and approval for the bonus may depend on your prior Chase business-card history and other factors. The card is most compelling if ordinary planned business spending can meet the threshold and you pay the balance in full.

What is the Ink Business Unlimited welcome bonus?

Chase’s U.S. product page lists $750 cash back after $6,000 in qualifying purchases in the first three months after account opening. Chase cautions that offers may vary by application method and change over time, so confirm the offer shown to you before applying. Chase’s current card offer and its business-card bonus guidance are the relevant references.

The bonus may not be available if you have ever held this card or another Chase for Business card with no annual fee. Chase also says it may consider factors related to the business. The issuer does not provide a guarantee that every applicant who meets the spending threshold will receive the bonus.

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How much spending is needed, and what counts?

You need $6,000 in qualifying purchases within the first three months after opening the account. That averages $2,000 a month, but the qualification period runs from account opening, not necessarily from the date you receive or first use the card.

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Chase excludes several transaction types from bonus qualification, including:

  • Balance transfers and cash advances.
  • Cash-like transactions, including cryptocurrency purchases, and betting transactions.
  • Person-to-person transfers and account-funding transactions.
  • Checks that access the account.
  • Interest, fees, and unauthorized or fraudulent charges.

Use planned, ordinary business purchases to reach the threshold; spending more than your business otherwise would just to earn a bonus can erase its value. Chase says the account must be open and not in default when the bonus is fulfilled. After you qualify, allow six to eight weeks for the bonus to post, according to the issuer’s offer terms.

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How the card earns rewards after the bonus

The card earns unlimited 1.5% cash-back rewards on business purchases and has no annual fee, according to Chase’s product page. Chase’s rewards agreement records cash-back rewards as points: 100 points equal $1 in cash-back rewards. Purchases earn rewards net of returns or refunds, and excluded transaction types may not earn points. See the Ultimate Rewards agreement for current earning and redemption conditions.

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Under that agreement, cash, gift-card, and travel redemptions value each point at one cent; other redemption choices can be worth more or less. Eligible points may be combined with certain other Chase Ultimate Rewards cards, subject to the agreement’s rules. The flat-rate structure is simple, but the value you realize depends on how you redeem.

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APR, fee, and temporary partner benefits

Chase lists a 0% introductory APR on purchases for the first 12 months, followed by a variable APR of 16.99%–24.99%; the product page also lists a $0 annual fee. These terms were checked on Chase’s U.S. page in October 2026 and may change. A 0% introductory period is not a reason to carry a balance without a repayment plan: interest at the ongoing variable rate can quickly outweigh rewards after the promotion ends. Review the offer and full terms on Chase’s card page before applying.

Chase also lists partner benefits with end dates, so treat them as temporary rather than core card value:

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Confirm enrollment requirements, renewal details, and current availability with Chase before relying on either benefit.

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When does the flat-rate card make sense?

The Ink Business Unlimited is easiest to evaluate against the spending your business already has, not an idealized spending plan. Its main advantage is a consistent earning rate without tracking categories; that simplicity may be less valuable if a large share of your expenses fits a competing card’s bonus categories.

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  • Consider the Unlimited if you prefer one predictable rate across varied expenses, value a $0 annual fee, can meet the welcome-offer threshold through planned purchases, and want cash-back-style rewards.
  • Compare category cards if your business spends heavily in specific eligible categories. Chase’s overview describes Ink Business Cash as offering higher rates in selected office-supply and internet, cable, and phone categories, and Ink Business Preferred as earning category-based points for travel and business spending. Their current fees, rewards, and terms should be checked directly; Chase’s business-card overview provides the issuer’s comparison context.
  • Prioritize cash flow if you might carry a balance beyond the 12-month introductory purchase APR period. The ongoing APR, not the rewards rate, will likely matter more in that situation.

Also check bonus eligibility before counting the welcome offer in your decision. If you have held a Chase for Business card with no annual fee before, the advertised bonus may not be available to you.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.