Chase Ink Business Unlimited — APR, Welcome Bonus & Annual Fee (2026)
The Chase Ink Business Unlimited is a business cash back card from Chase.
Based on 4 confirmed approvals so far. Statistics appear once we reach 5 approvals. Applied for this card? Add yours →
Chase Ink Business Unlimited welcome bonus
Earn $750 after you spend $6,000 on purchases in the first 3 months from account opening.
Chase publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Chase Ink Business Unlimited APR
Introductory APR: 0% for 12 months on purchases. After it ends, the ongoing APR is 18.49%–24.49% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
The intro window is what makes this card usable as working capital: a balance carried inside it costs nothing. Anything still owed when the period ends starts accruing at the standard rate — the intro rate is not retroactive, but it does not backdate interest either.
Chase Ink Business Unlimited annual fee
The Chase Ink Business Unlimited annual fee is $0 — no yearly cost to keep the account open.
Does the Chase Ink Business Unlimited count toward 5/24?
No. The Chase Ink Business Unlimited is a business card, so it does not add to your 5/24 count once approved. Chase still applies the rule when it decides — you generally need to be under Chase's 5/24 to be approved (business cards don't add to your 5/24 count).
How many Chase Ink cards can you have?
Chase publishes no cap on how many Ink cards one business can hold, and holding more than one is common. What limits you in practice is the total credit Chase has already extended across your accounts, how recently you last applied, and where you stand on 5/24 at the moment of each application.
Deciding between them? Compare all Chase Ink Business cards →
Chase Ink Business Unlimited credit limit
The Chase Ink Business Unlimited issues $3k – $75k. Your own limit depends on your income, how much of your existing credit you use, and how long your accounts have been open — calculate your odds and limit →
Chase Ink Business Unlimited requirements
- Suggested credit score
- 660+
- Min credit history
- 12 months
- Recommended utilization
- under 45%
- Recent hard inquiries
- up to ~5
- Chase 5/24
- Must be under 5/24; doesn't add to your count
- Credit limit range
- $3k – $75k
- Reports to
- Experian
How Chase decides
Rules Chase applies across its cards. They decide applications before your score is even weighed.
- Denied on most Chase cards if 5+ personal cards opened across all issuers in last 24 months.
- Chase rarely approves more than 2 personal cards in a rolling 30 days.
What applicants reported
Real reported Chase Ink Business Unlimited applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
How to apply for the Chase Ink Business Unlimited
- 1Chase Biz Checking $4k+
- 2Apply together with Ink Preferred
- 3Denied: 1-800-453-9719
Worth knowing
- Real limit $3k–$20k
- 0% APR 12 mo — use for business
Denied? Chase takes reconsideration calls at 1-800-453-9719 (24/7).
Chase Ink Business Unlimited — FAQ
What is the welcome bonus on the Chase Ink Business Unlimited?
Earn $750 after you spend $6,000 on purchases in the first 3 months from account opening. Chase publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Chase Ink Business Unlimited?
The Chase Ink Business Unlimited offers an introductory APR of 0% for 12 months on purchases. After it ends, the ongoing APR is 18.49%–24.49%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Chase Ink Business Unlimited?
The Chase Ink Business Unlimited annual fee is $0.
Does the Chase Ink Business Unlimited count toward 5/24?
No — the Chase Ink Business Unlimited is a business card and does not add to your 5/24 count once approved. Chase still applies the rule when deciding: you generally need to be under Chase's 5/24 to be approved (business cards don't add to your 5/24 count).
How many Chase Ink cards can you have?
Chase publishes no cap on how many Ink cards one business can hold, and holding more than one is common. What limits you in practice is the total credit Chase has already extended across your accounts, how recently you applied, and where you stand on 5/24 at the time of each application.
Similar cards
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Chase Ink Business Unlimited?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.