Chase Ink Business Unlimited
No annual fee · $240/yr in printed statement credits · 1.5% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5% | uncapped |
| Rideshare at Lyft only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5% | uncapped |
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Chase Ink Business Unlimited welcome bonus rose from 75,000 to 100,000. 2026-09-10
Signup bonus: $1,000 back after $8,000 in 4 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $240/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Instacart+ membership + monthly credit | $240/year | monthly · enrollment required · through 2027-12-31 |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Primary auto rental collision damage waiver for business rentals (up to $60,000, vehicle MSRP ≤$125,000)
- Purchase Protection (120 days, up to $10,000/item; NY residents 90 days)
- Extended Warranty Protection (+1 year on warranties ≤3 years, up to 4 years total)
- Travel & Emergency Assistance
- Roadside Dispatch (fee billed at time of dispatch)
- No annual fee; employee/authorized-user cards free
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at Lyft. Its largest printed rate, 5% on rideshare, pays only at Lyft. Anywhere else it earns its base 1.5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.5¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
Compared head-to-head
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.