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Chase Ink Business Unlimited: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 80.0% across 78 cards. Issuer page ↗

Terms & fees

• IssuerChase
• Typebusiness
• Annual fee$0 creditcards.chase.com, 2026-10-12
• Regular purchase APR16.99%–24.99% variable creditcards.chase.com, 2026-10-12
• Rewards1.5% base creditcards.chase.com, 2026-10-12
• Sign-up bonus (≈$)$750 $750 cash back (see issuer for spend requirement) creditcards.chase.com, 2026-10-12
• Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
• Foreign transaction feenot found creditcards.chase.com, 2026-10-12
• Penalty APRnot found consumerfinance.gov, 2026-10-12
• Late feenot found files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance feenot found files.consumerfinance.gov, 2025-12-31
• Credit needednot found creditcards.chase.com, 2026-10-12
• Grace periodnot found
• Cash advance APRnot found

Complaint record (CFPB)

• Complaints, last 12 months26,196
• Trend▲ 14.2% (last 12 mo 26,196 vs prior 12 mo 22,932)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)9.29
• Top issueManaging an account
• Insurance statusFDIC-insured: JPMorgan Chase Bank, National Association (cert 628, active; deposits $2,820.3B as of 06/30/2026)

Company-level (JPMORGAN CHASE & CO.), all products, as of 2026-10-12. Chase (JPMorgan Chase) complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 6.0/10Base 1.5% on everything, top category 1.5% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1.5% base
• Sign-up bonus 10/10Bonus ≈ $750: $750 cash back (see issuer for spend requirement) (as of 2026-10-12). Score = value/$75, max 10.
• Intro 0% APR 5.7/100% intro APR for 12 months on purchases (as of 2026-10-12). Score = months/21×10.
• Regular APR 9.3/1016.99%–24.99% variable (as of 2026-10-12); midpoint 20.99%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Regulatory record (CFPB) 10.0/10Issuer Chase: Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement action against JPMorgan Chase found in the last 5 years (CFPB enforcement database lists a 2017 action)

0.143×10.0 + 0.143×6.0 + 0.143×10 + 0.143×5.7 + 0.143×9.3 + 0.143×5.0* + 0.143×10.0 = 8.00 → 80.0% (* unknown, imputed)

Is Chase Ink Business Unlimited worth it? (break-even math) →Value for my spending →

Compare with

Chase Ink Business Unlimited vs Chase Ink Business Cash · Chase Ink Business Unlimited vs Chase Ink Business Preferred · Chase Ink Business Unlimited vs Capital One Spark Cash Plus · Chase Ink Business Unlimited vs Amex Blue Business Plus

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FAQ

What is the Chase Ink Business Unlimited annual fee?

$0

What is the Chase Ink Business Unlimited APR?

16.99%–24.99% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.