Chase Ink Business Unlimited

Chase

Business

Key facts

Annual fee$0
RewardsPoints
Everything else earns1.5x points
Minimum credit score700

Earn rates

One flat rate: 1.5x points on purchases. The catalog records no bonus categories for this card.

At specific merchants

5x points at Lyft (Qualifying Lyft products and services bought in the Lyft app)

Signup bonus

75,000 points after $6,000 of spend in the first 3 months.

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

$20 a month at Instacart, activation required — Loaded monthly while the Instacart+ membership is active; one retailer per order

Applying

Issuer application rule: Subject to this issuer's limit on how many new cards you have opened recently.

Issuer's page for this card

Business requirements

Chase says generally anyone who has a business can apply, including freelancers, independent contractors, self-employed business owners and gig workers; sole proprietors may use a personal SSN instead of an EIN.

Generally, anyone who has a business can apply for a business credit card. This includes freelancers, independent contractors, self-employed business owners and gig workers.
While formal businesses typically apply with an EIN, sole proprietors and other self-employed individuals may use a personal SSN.
Annual revenue (can be $0 if you have yet to earn money)

Notes

Modeling note: travel_portal uses a flat catalog cents-per-point on combined travel_air + travel_hotel + travel_other needs; portal-only earn bonuses, portal redemption caps, and partner-specific transfer ratios are not included in optimizer ranking.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Chase; the card name is its owner's trademark.

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