Chase Ink Unlimited Benefits, Credits & Annual Fee

• Earn $750 cash back after spending $6,000 in 3 months

  New Cardmember Bonus - $750 Cash Back: To qualify, you must make $6,000 in purchases during the first 3 months from account opening. After qualifying, please allow 6 to 8 weeks for bonus to post to your account. To be eligible for this bonus offer, your credit card account must be open and not in default at the time of fulfillment.

  Checked Oct 14, 2026Source

• Monthly Instacart Credit$20 / moTrackableEnrollment required

  Receive a $20 credit in your Instacart account each month you have an active Instacart+ membership after you activate complimentary Chase Instacart+ on instacart.com/p/chase-ink (5/1/2025 through 12/31/2027). Monthly credit does not roll over.

  Resets: MonthlyChecked Oct 7, 2026

Travel Benefits

• Travel Rewards Redemption

  Use your rewards to book travel through Chase Travel. Browse flights, places to stay and activities in the Chase Travel booking portal. Book through Chase Travel to use this redemption option.

  Checked Oct 7, 2026

Rental Car

• Primary Auto Rental Collision Damage Waiver

  Get up to $60,000 in reimbursement if a covered rental vehicle is stolen or damaged in a collision. Coverage is primary when you rent for business purposes. It applies to most rental vehicles with a manufacturer's suggested retail price of $125,000 or less.

  Checked Oct 7, 2026

Travel Insurance

• Baggage Delay Insurance

  If your checked or carry-on baggage is delayed more than 6 hours, the card covers necessary purchases like clothing or toiletries. Charge your travel fare to the card to activate coverage, which reimburses up to $100 per day for a maximum of 3 days.

  Checked May 22, 2026
• Roadside Assistance

  Get roadside help dispatched when you have a vehicle emergency. Call the roadside assistance service provider to request help. Service fees are charged to your card when help is dispatched.

  Checked Oct 9, 2026
• Travel Accident Insurance

  Provides up to $500,000 in accidental death and dismemberment coverage when you charge a travel fare to your card. Coverage applies to common carrier travel including flights, trains, and buses.

  Checked May 22, 2026
• Travel and Emergency Assistance

  Get legal and medical referrals and access to other emergency assistance when problems arise while traveling away from home. Use the service to find help during your trip. You pay for any goods or services you obtain.

  Checked Oct 9, 2026

Bonus Earnings

• 5% Cash Back on Lyft Rides5%

  Earn 5% total cash back on qualifying Lyft products and services purchased through the Lyft mobile application through September 30, 2027. That is 3.5% additional cash back on top of the 1.5% base earn rate. Qualifying purchases include rideshare, bike and scooter rides, and Lyft subscription/membership products. Gift cards, car rentals, and miscellaneous fees are excluded.

  Checked Oct 7, 2026
• Business Referral Bonus40,000 pts

  Earn 40,000 bonus points for each business you refer that is approved for any Chase for Business credit card. Use Chase's business referral option to send a referral. Points are awarded when the referred business is approved, not just when it applies.

  Checked Oct 7, 2026
• 1.5% Cash Back on All Business Purchases1.5%

  Earn unlimited 1.5% cash back rewards on every purchase made for your business. Cash back rewards are tracked as points (each $1 in cash back equals 100 points) and can be redeemed for cash, gift cards, travel, and more through Chase Ultimate Rewards.

  Checked Sep 14, 2026

Purchase Protection

• Damage and Theft Purchase Protection

  New purchases made with the card are protected against accidental damage or theft for up to 120 days from the purchase date. Coverage maxes out at $10,000 per claim and $50,000 per account. To make a claim, contact the benefits administrator with your proof of purchase and details of what happened.

  Checked Oct 7, 2026
• Extended Warranty Protection

  Adds one extra year of coverage on top of the original U.S. manufacturer's warranty for eligible items paid with the card. No separate registration is required - just use the card at checkout. Only items with original warranties of three years or less qualify.

  Checked Oct 9, 2026

Fees & Miscellaneous

• Apple Ultimate Rewards Store Redemption

  Use your points to pay for all or part of an Apple purchase through Ultimate Rewards. Choose an Apple item in the Ultimate Rewards store and apply points at checkout. This redemption option applies to Apple purchases made through Ultimate Rewards.

  Checked Oct 7, 2026
• Complimentary Instacart+ MembershipEnrollment required

  Get a complimentary three-month Instacart+ membership. Enroll to use the membership for Instacart orders during the complimentary period. It automatically renews at $99 per year after the three months unless you cancel.

  Checked Oct 7, 2026
• Employee Cards at No Additional Cost

  Add employee cards to your account at no extra cost. You can set an individual spending limit on each card. Employee purchases earn rewards on your account, so your cash back grows faster.

  Checked Oct 9, 2026
• Foreign Transaction Fee3% / yr

  A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.

  Checked Sep 26, 2026
• Gift Card Rewards Redemption

  Use your rewards for gift cards from more than 150 brands, including hotels, office supply stores and electronics retailers. Browse available gift cards through Chase Ultimate Rewards and redeem your points for your choice. Available brands and options can vary.

  Checked Oct 7, 2026
• No Annual Fee$0 / yr

  Pay no annual fee to keep your Chase Ink Business Unlimited card open. You do not need to enroll or meet a spending requirement for the $0 annual fee. Other card charges, including interest when applicable, can still apply.

  Checked Oct 7, 2026