Chase Ink Business Unlimited
By Alex Compton · Last verified
A flat-rate no-fee business card with a record-high $1,000 public offer.
Welcome Bonus
100,000
≈$1,000 value
Spend Requirement
$8,000
in 4 months
Annual Fee
$0
3% FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $1,000 cash back; offer ending soon
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 5 tracked offers going back to 2021, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
75k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 100,000 | $8,000 in 4 mo | Bonus increased: 75,000 → 100,000 · Spend: $6,000 → $8,000 · Window: 3 → 4 months$1,000 cash back; Chase labels the offer ending soon | Chase Ink Business Unlimited offer details → |
| 2026-01 | 75,000 | $6,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-05 | 75,000 | $6,000 in 3 mo | Bonus decreased: 90,000 → 75,000 | Archive record · no attached snapshot |
| 2023-03 | 90,000 | $6,000 in 3 mo | Bonus increased: 75,000 → 90,000 · Spend: $7,500 → $6,000All-time high | Archive record · no attached snapshot |
| 2021-01 | 75,000 | $7,500 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Raised the current public offer from $750 to $1,000, corrected the spend window, and replaced repeat-bonus assumptions with Chase current eligibility language.
Fields: tagline, currentOffer, offerHistory, benefits, pros, cons, ourTake, bestFor, lastVerified
Chase Ink Business Unlimited offer details →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1.5xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Redeem through Chase Ultimate Rewards for cash back, travel, gift cards, and more
- ✦5% total cash back on Lyft rides through September 30, 2027
- ✦Three months of Instacart+ plus a $20 monthly Instacart Business credit after enrollment through December 31, 2027
- ✦No annual fee
Why it earns its spot
- +Record-high $1,000 public offer on a no-fee card
- +Simple unlimited 1.5% return
Where it costs you
- −$8,000 spend requirement
- −3% foreign transaction fee
- −Chase says prior ownership of this or another no-fee Chase business card may affect bonus eligibility
The Compound Verdict
The $1,000 public offer is the reason to look now, while unlimited 1.5% cash back makes the card easy to keep with no annual fee. The tradeoff is an $8,000 requirement in four months, and Chase's current eligibility language means prior no-fee Chase business cards can matter.
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