Pros

$900 bonus cash back after spending $6,000 in 3 months.

Unlimited 1.5% cash back on every purchase.

Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

Earn a total of 5% cash back on Lyft rides through March 2025 with your Chase Ink Unlimited card. That's 3.5% in addition to the 1.5% you already earn on travel.

No annual fee.

Employee cards at no extra cost.

0% intro APR for the first 12 months.

Cons

Cash back rewards less valuable than transferable points.

Why Choose It

The Ink Business Unlimited card makes an excellent simple cash back rewards card for small businesses. Instead of tracking rotating bonus categories, you earn an unlimited 1.5% back on every dollar spent. Paired with the hefty signup bonus and no annual fee, it's an easy way to maximize pure cash rewards across all business spend. Just note the cash back holds less long-term value compared to flexible travel points. Nonetheless, for straightforward cash earning potential year-over-year, the Ink Unlimited delivers useful simplicity.