Ink Business Unlimited (commonly known as CIU) is a simple no-annual-fee Chase business credit card designed for everyday business spending.
The card earns unlimited 1.5X Ultimate Rewards Points on every purchase, with no bonus categories or spending caps to manage. This makes it especially useful for businesses with expenses that do not fall into the bonus categories offered by Ink Business Cash.
With a $0 annual fee and no foreign transaction fee, Ink Business Unlimited is also a practical option for international business spending.
👉 Apply for Ink Business Unlimited
Ink Business Unlimited Benefits
| Benefit | Ink Business Unlimited |
|---|---|
| Annual Fee | $0 |
| All Business Purchases | Unlimited 1.5X |
| Lyft | 5X through 9/30/27 |
| Instacart+ | 3-month complimentary membership |
| Instacart Credit | Eligible $20 monthly credit through 12/31/27 |
| Employee Cards | No additional cost |
| Rewards Program | Ultimate Rewards |
| Foreign Transaction Fee | 0% |
| Best For | Everyday Business Spending |
Chase markets Ink Business Unlimited as earning 1.5% cash back, but rewards are tracked as Ultimate Rewards Points, with $1 in cash back equal to 100 points.
For Ultimate Rewards users, this can therefore be viewed as a straightforward unlimited 1.5X UR Points on every purchase.
Is Ink Business Unlimited Worth It?
Ink Business Unlimited is best for businesses that want a simple rewards structure without managing spending categories.
$0 Annual Fee
Unlimited 1.5X UR Points
0% Foreign Transaction Fee
The main difference between the two no-annual-fee Ink cards is straightforward:
Ink Business Cash → Up to 5X on Bonus Categories
Ink Business Unlimited → Unlimited 1.5X on All Purchases
If your business spends heavily at office supply stores or on internet, cable and phone services, Ink Business Cash can generate significantly more points.
If your expenses are spread across many different categories, Ink Business Unlimited is easier to use because every purchase earns the same 1.5X rate.
Holding both can also make sense: use Ink Business Cash for its 5X categories and Ink Business Unlimited for purchases that would otherwise earn only 1X.
Ink Business Unlimited Historical Welcome Offers
| Date | Public Welcome Offer | Minimum Spend |
|---|---|---|
| Sep. 2019 | $500 / 50K Points | $3,000 / 3 months |
| Nov. 2020 | $750 / 75K Points | $7,500 / 3 months |
| Oct. 2022 | $900 / 90K Points | $6,000 / 3 months |
| Mar. 2023 | $750 / 75K Points | $6,000 / 3 months |
| Sep. 2023 | $900 / 90K Points | $6,000 / 3 months |
| Jan. 2024 | $750 / 75K Points | $6,000 / 3 months |
| Sep. 2024 | $900 / 90K Points | $6,000 / 3 months |
| Nov. 2024 | $750 / 75K Points | $6,000 / 3 months |
| Sep. 2025 | $900 / 90K Points | $6,000 / 3 months |
| Nov. 2025 | $750 / 75K Points | $6,000 / 3 months |
| Jun. 2026 | $1,000 / 100K Points | $8,000 / 4 months |
Public offers only. Targeted, referral, branch, mail, and other personalized offers are excluded.
👉 Apply for Ink Business Unlimited
Chase Ultimate Rewards Credit Card Comparison
Chase credit cards can be divided into Personal Cards and Business Cards, while the Ultimate Rewards ecosystem includes both Cash Back and Points-focused products.
General users can choose cards based on everyday spending, travel, or business expenses. Points and miles enthusiasts can combine different Chase Cards to earn Ultimate Rewards and use cards with Transfer Partner access to build a complete Chase Ultimate Rewards Ecosystem.
Personal Credit Cards
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Freedom Flex | $0 | Quarterly 5X | 3% |
| Freedom Unlimited | $0 | Everyday 1.5X | 3% |
| Freedom Rise | $0 | 1.5X / Build Credit | 3% |
| Sapphire Preferred | US$95 | Travel + UR Transfers | 0% |
| Sapphire Reserve | US$795 | Premium Travel + UR Transfers | 0% |
Business Credit Cards
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Ink Business Cash | $0 | Up to 5X Business Categories | 3% |
| Ink Business Unlimited | $0 | Unlimited 1.5X Business Spending | 3% |
| Ink Business Preferred | US$95 | 3X Business Categories + UR Transfers | 0% |
| Ink Business Premier | US$195 | Large Purchases up to 2.5% Cash Back | 0% |
| Sapphire Reserve for Business | US$795 | Premium Business Travel + UR Transfers | 0% |
Application Rules & Restrictions
When applying for Chase credit cards, keep these key rules in mind:
– 5/24 Rule: If you have opened 5 or more credit card accounts that appear on your personal credit report within the past 24 months, it will generally affect your ability to get approved for a new Chase Card. Most Business Cards that do not report to personal credit reports generally do not add to your 5/24 count.
– Welcome Offer Eligibility: Different Chase Cards have their own Welcome Offer restrictions, and some products also have Card Family Restrictions. Being under 5/24 does not necessarily mean you are eligible for a Welcome Offer.
– Application Timing: Chase does not publish a simple fixed application interval, but submitting multiple Chase applications within a short period may affect approval.
A simple Chase application strategy is:
Check 5/24 → Check Welcome Offer / Family Eligibility → Submit Application
Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each Chase Card.
How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish some U.S. Credit History before applying for Chase credit cards.
If you are new to the U.S. credit card market, one strategy is to first obtain a U.S. Amex through Amex Global Transfer, build your U.S. credit history, and then consider applying for Chase.
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants must still meet Chase’s current requirements regarding identification, address, credit history, and other application criteria.
