Chase Ink Business Unlimited Visa Card Calculator

Calculate total cash back and the cash value of the Chase Ink Business Unlimited Visa Card based on monthly/yearly spend and the card benefits.
Last Updated: 2020-07-10

The Chase Ink Business Unlimited Visa is a flat rate earning cash back card that pairs well with any Chase credit card to ensure that you'll never earn less than a 1.5% return on any purchase. Those who have an Ultimate Rewards credit card will also benefit from having this card since Ultimate Rewards members have the ability to convert cash back into Ultimate Rewards Points. Regardless of whether you're in the market to earn cash back or points with Chase, you'll want to have the Chase Ink Business Unlimited Visa (or Chase Freedom Unlimited) in your wallet.

Quick Details
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Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Chase Ink Business Unlimited Visa is a flat-rate cash back credit card. It earns 1.5% cash back per $1 on all purchases ran through the card. As part of the Chase-Lyft partnership, the card also earns 5% cash back on Lyft spend. There's no limit to the amount of cash back you can earn spending with Lyft and no limit to the amount of cash back you can earn with the card in general.

  • 5% Lyft
    • All Chase cash back and Ultimate Rewards credit cards feature Lyft as a bonus category.
    • Part of the Chase-Lyft partnership which lasts until March 2022.
  • 1.5% All Purchases

Perks & Benefits

The Chase Ink Business Unlimited Visa Card does not feature any benefits that specific to the card itself, but it does come with the usual travel and coverage protection that Chase offers on their credit cards.

Sign Up Bonus

The Ink Business Unlimited sign up bonus is $500 bonus cash back after $3,000 is spend on purchases in the first 3 months of account opening. This is significantly higher than the $150-$200 bonus offered on the Chase Freedom Card which is basically an identical card.

In terms of Ultimate Rewards, this is equal to 50,000 points which can be worth either $625 or $750 on the Chase Travel Portal based on which Ultimate Rewards credit card you have. This can also be transferred to Chase's airline and hotel partners which will give you 50,000 airline miles or hotel points.

The Ink Business Unlimited Visa Card usually features a 0% APR period as well.


Annual Fee

The annual fee for the Chase Ink Business Unlimited Visa Card is $0. This means you can always expect a return of 1.5% without having to worry about meeting a certain amount of spend to see if the card is worth it or not.

Authorized User Fee

There is no authorized users fee to add additional users to the Chase Ink Business Unlimited Visa Card. If you're really looking to maximize earnings, I'd recommend adding employees, friends, and family in order to build your cash back or points faster.

Foreign Transaction Fee

The Chase Ink Business Unlimited Visa Card has a 3% foreign transaction fee. This means you will be penalized for using this card internationally and you'll end up losing rewards at double the rate in which you earn them.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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