Chase Ink Unlimited

Earn $750 in bonus cash back after spending $6,000 on purchases within the first 3 months of opening your account. The bonus is awarded as cash back to your rewards balance and can also be used as Chase Ultimate Rewards points.

Earn 5x Chase Ultimate Rewards points on Lyft rides when you pay with this card. Link your card to your Lyft account to ensure the bonus rate applies automatically. This elevated earning rate is available through September 2027.

Earn 1.5x Chase Ultimate Rewards points on every business purchase with no spending caps or category restrictions. The rate applies automatically to all eligible transactions, so there's nothing extra to track or activate.

Receive a $20 statement credit each month when you use your card for Instacart grocery delivery or pickup orders. The credit is applied automatically but does not carry over, so be sure to use it before the month ends. That adds up to $240 in credits per year.

Provides primary collision damage waiver coverage on rental cars, meaning it pays out before your personal auto insurance. To activate, charge the full rental to your card and decline the rental agency's own collision coverage. Applies to most business rentals both in the U.S. and internationally.

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.

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.

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.

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.

You can add employees or other authorized users to your account at no additional cost. Each authorized user receives their own card, and their purchases earn rewards that flow back to your account.

Cardholders can get a complimentary 3-month Instacart+ membership, which includes free delivery on eligible orders and other member benefits. You must activate the membership through Instacart before December 31, 2027.