ToolsCard ScoresInk Business Unlimited
Is the Ink Business Unlimited worth getting?
MoneyRoom Card Score
7.6/ 10
As an everyday business card, yes: 1.5% on everything, no fee, almost no upkeep, and points that can be upgraded for travel.
Data: MoneyRoom card catalog (details pending verification are flagged) · scores update daily · catalog data as of 2026-07-13 (source: creditcards.chase.com) · How we verify
The Unlimited is the Ink card with one rate: 1.5% on every business purchase, with no categories to think about and no fee to justify. With no fee, its value score is a perfect 10.0. Its effort score is 6.9, not perfect, because of a monthly Instacart Business promo, and its earning score is 5.0.
What makes it more than its rate is in the fine print: these are Chase points dressed up as cash back. On their own they're worth exactly their cash value, which is what we score; with a premium Chase card, they can be combined and moved to airlines and hotels. Keeping that option open costs nothing.
Credits vs. fee
No annual fee to cover.
The Ink Business Unlimited lists $240 in yearly credits and benefits at face value (their full amounts). Using our published assumptions, we estimate a typical cardholder gets back about $119. Typical value applies our published discounts for what makes credits easy to miss: deadlines, limits on where you can use them, enrollment (switching a credit on once), and waiting to be paid back.
| Credit / benefit | Resets | Face value / yr | Typical value |
|---|---|---|---|
| Instacart Business monthly creditGrocery · enrollment required | MonthlyEnrollment required | $240 | $119 |
| Yearly total | $240 | $119 | |
After the fee, at face value:+$240 / yr
After the fee, at typical use:+$119 / yr
The fine print that matters
Why is typical value less than face value?
The rate needs no managing. The one deadline on the card is the Instacart Business promo, which pays monthly through the end of 2027 after you enroll, and the effort score of 6.9 reflects exactly that. On their own, every point is worth a cent, and the card is exactly the 1.5% it appears to be. Move them into a Sapphire or Ink Preferred account and the same points can go to airlines and hotels, upgrading everything this card ever earned. Our score counts the guaranteed value; the option comes free.
Instacart Business monthly credit — $119 typical of $240 face
Grocery · enrollment required
- Resets monthly × 0.65
- Only works at certain places × 0.80
- Enrollment required × 0.95
Earning
What does everyday spending actually earn?
Rewards come as cash back, worth exactly what it says. On our published mix of everyday spending, that works out to 1.5% back.
| Category | Rate | After spending caps | Note |
|---|---|---|---|
| Dining | 1.5% | 1.50% | Base rate |
| Groceries | 1.5% | 1.50% | Base rate |
| Gas | 1.5% | 1.50% | Base rate |
| Flights booked direct | 1.5% | 1.50% | Base rate |
| Hotels booked direct | 1.5% | 1.50% | Base rate |
| Everything else | 1.5% | 1.50% |
Not in the score
What does the score leave out?
- Upgrading the points. The feature that makes this card more than a plain flat-rate card, and a maybe that our score of this card alone deliberately doesn't count.
- A promotional rideshare rate. Extra earning for a limited time, left out of a score of a normal year.
- The welcome bonus. It pays once, on a card that's about steady earning over the long run.
Listed on the card, never priced:
- 5% total Lyft through 9/30/2027
- Complimentary Instacart+ (3 months)
Your own numbers
See if it pays for itself for you.
The score assumes a typical cardholder. The free Annual Fee Calculator loads this card's real credits and fee and lets you enter what you'd actually use — no account needed.
Keep comparing
More card scores.
- Chase Sapphire Preferred
- The Platinum Card from American Express
- Capital One Venture X Rewards
- Active Cash
- Hilton Honors American Express Aspire Card
- Ink Business Preferred
- Chase Sapphire Reserve
- American Express Gold Card
- Freedom Unlimited
- Double Cash
- Apple Card
- Prime Visa
- Discover it Cash Back
- Freedom Flex
- Marriott Bonvoy Boundless
- Delta SkyMiles Gold American Express Card
- United Explorer
- Southwest Rapid Rewards Priority
- Costco Anywhere Visa
- Costco Anywhere Business Visa
- Ink Business Cash
- Ink Business Premier
- American Express Business Gold
- Blue Cash Everyday
- Blue Business Plus
- AAA Travel Advantage Visa Signature
- Summit World Mastercard
- Blue Business Cash
- Cash Rewards Visa
- 1.67% Cash/Back Card
- Prestige Visa Signature
- SoFi Everyday Cash Rewards
- Business Triple Cash Rewards
- Instacart Mastercard
- Customized Cash Rewards
- Business Advantage Customized Cash Rewards
- Discover it Chrome
- AAA Daily Advantage Visa Signature
- TD Cash
- Cash+ Visa Signature
- Southwest Rapid Rewards Performance Business
- Summit Reserve World Elite Mastercard
Questions
Common questions before you apply.
How does this differ from the flat-rate business cards in our roundup?
The rate works the same way; the difference is that these points can be combined with a premium Chase card's. If you might get one later, this card keeps that door open.
What does it score and why?
7.6 out of 10: perfect value, effort 6.9 for the monthly Instacart promo, and earning 5.0 at 1.5% on everything. The score counts the cash value of this card alone; the points upgrade is listed, not counted.
Unlimited or Ink Business Cash?
Put office bills on the Cash and everything else here — a common two-card setup. If you'll only carry one, the Unlimited's 1.5% on everything is the safer choice.
When do the Ink Business Unlimited credits reset?
Each credit has its own schedule: 1 credit resets monthly. Calendar-based credits reset at the start of their month, quarter, half, or year. Unused amounts don't roll over. See every card's reset calendar.