Ink Business Unlimited Visa Card Calculator

Card Details & Chase Cash Back Calculator
5% Lyft
1.5% Other Purchases

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.

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.

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 (SUB)

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.

and Card Value Calculator

You can use this 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 rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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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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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