Ink Business Unlimited by Chase: 1.5% everything. No annual fee. Rates and credits verified from issuer pages.
The Ink Business Unlimited is Chase's no-annual-fee credit card. The $0/yr annual fee includes a no current welcome bonus after spending $8,000 in the first 4 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$0. Annual statement credits: $0. Minus the $0 annual fee = ~$0 in year-one net value before any spending earn.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
Yes — there's no annual fee. The card stays open at zero ongoing cost, which makes it a good long-term hold for credit-history length.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.