Ink Business Unlimited
Credits 1
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $240 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
$20 Instacart credit loaded at the start of each calendar month while you have an active Instacart+ membership activated through Chase's link; no rollover.
How to activate: Activate the free Instacart+ membership with this card on Instacart's Chase Ink offer page.
Condition: Requires active Instacart+ (3 months free via the card, then $99/yr)
Perks 1
Benefits you use rather than credits that post to your statement.
3 months of complimentary Instacart+ with enrollment, then auto-renews at $99/year; benefit ends 12/31/2027.
Also included
- Primary auto rental coverage for business rentals
- Purchase protection up to $10,000 per item and extended warranty
- 3% foreign transaction fee
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the Ink Business Unlimited to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 18, 2026. Spot something out of date? Tell us.