Chase Ink Business Unlimited

• The $750 welcome bonus requires $6,000 in 3 months - that's $2,000/month, which is a real target for a no-annual-fee card, so map out your actual business expenses before you apply and make sure you can hit it with legitimate spend rather than scrambling for a solution in month three.
• The 1.5% flat rate on everything sounds simple, and it is - but "simple" doesn't mean "best," and if your business spend clusters heavily in travel, office supplies, or dining, a category card is almost certainly leaving more on the table for those specific buckets, so know what your spend actually looks like before you treat flat-rate as the obvious move.
• The rewards are technically Chase Ultimate Rewards points, not just cash back - which means if you ever pair this card with an Ink Preferred or a Sapphire card on the same account, those points can move into the full UR travel ecosystem and potentially stretch well past face value, and that's a detail worth knowing before you assume these are glorified pennies.
• The Instacart+ complimentary membership auto-renews at $99/year after the three-month period ends - the $20 monthly credit that loads into your Instacart Business Account is genuinely useful if Instacart is already part of how you operate, but if you activate and forget, you're paying $99 for a subscription that snuck up on you, so set a reminder before the window closes.
• The Auto Rental Collision Damage Waiver is PRIMARY coverage when renting for business purposes - that's a meaningful distinction from cards where the coverage only kicks in after your personal insurance pays out first, and it covers theft and collision damage up to $60,000 for most rentals.
• Points do not expire while the account is open, but closing the account means losing them immediately - not unique to this card, but worth knowing before you ever decide to downgrade, product-change, or consolidate anything in your Chase lineup, because there's no grace period once the account goes dark.

The Ink Business Unlimited is the no-fuss, no-annual-fee cash back card for business owners who'd rather spend time running their company than memorizing bonus categories — flat 1.5% on everything, a juicy $750 welcome bonus, and a 0% intro APR window to float big purchases. Pair it with a premium Chase Ink card and those 'cash back' points suddenly become transferable Ultimate Rewards gold.