Chase Ink Business Unlimited Payoff Calculator 2026

Card data, May 13, 2026

• Issuer: Chase Bank USA, N.A.
• Card type: Business credit card (Ink family)
• Network: Visa
• APR: 18.49-24.49% variable on purchases
• Annual fee: 0 dollars
• Rewards: 1.5% cash back on all purchases (no bonus categories, no cap)
• Intro APR: 0% for 12 months on purchases for new accounts
• Balance transfer: standard APR applies; 5% fee (minimum 5 dollars)
• Late fee: up to 40 dollars
• Foreign transaction fee: 3%
• Personal guarantee: required
• Employee cards: free, with custom limits

Source: Chase Ink Business Unlimited terms, verified 2026-05-13.

The flat-1.5% structure for service businesses

The Ink Business Unlimited is the no-think rewards option in the Ink family. Service businesses with spending spread across many categories (consulting firms, agencies, professional services) typically extract more value from 1.5% flat than from optimizing for the 5% category caps on Ink Cash. The break-even point is roughly 17,000 dollars per year in the 5% categories on Ink Cash (which would earn 850 dollars before being equaled by 1.5% on 57,000 in mixed spending).

For a business carrying a balance, the math collapses the same way it does on the consumer Freedom Unlimited: 1.5% rewards (1.50 dollars per 100 dollars spent) vs roughly 1.79 dollars per 100 of carried balance per month at midpoint APR. Every dollar carried 26+ days exceeds the rewards earned on it.

Worked scenarios at the Ink Business Unlimited APR

Scenario 1: 5,000 dollar balance, 21.49% APR midpoint

• 200 per month: 30 months payoff, 1,170 dollars total interest
• 300 per month: 19 months payoff, 715 dollars total interest
• 500 per month: 11 months payoff, 419 dollars total interest

Scenario 2: 15,000 dollar balance, 21.49% APR midpoint

• 500 per month: 39 months payoff, 4,317 dollars total interest
• 700 per month: 26 months payoff, 2,816 dollars total interest
• 1,000 per month: 17 months payoff, 1,838 dollars total interest

Scenario 3: 25,000 dollar balance, 21.49% APR midpoint

• 800 per month: 41 months payoff, 7,773 dollars total interest
• 1,200 per month: 25 months payoff, 4,449 dollars total interest
• 1,500 per month: 19 months payoff, 3,378 dollars total interest

The pillar tool accepts your specific Ink Unlimited APR. Pull the rate from the monthly Truth-in-Lending-style disclosure Chase voluntarily provides on Ink statements (the formal 15 U.S.C. § 1637 periodic statement requirement applies to consumer cards, but Chase mirrors the format on business statements).

Using the 12-month intro APR for working capital

The most strategic use of the Ink Business Unlimited’s 0% intro APR on purchases is as a 12-month working capital float. A business with a 10,000-dollar planned equipment purchase or quarterly inventory buy can charge it on the card, hold 0% for 12 months, and pay it off at roughly 833 dollars per month. Compare to a small business term loan at 9% APR: total interest of about 500 dollars over 12 months. The intro APR is worth 500 dollars in this scenario, plus 150 dollars in 1.5% rewards on the 10,000 spend. Net advantage: 650 dollars versus financing the same purchase with a small business loan.

The trap: business inventory cycles sometimes run longer than 12 months. Project the cash conversion cycle before relying on the 12-month intro APR window. The CFPB’s 2025 Consumer Credit Card Market Report documents that residual balances after intro expiration are common across both consumer and small business cardholders.

Why the variable APR moves

The Ink Business Unlimited APR is structured as “Prime Rate plus a fixed margin” disclosed in the cardmember agreement. Prime rate is published in the Federal Reserve H.15 release. The margin was set at application based on business and personal financial profile. When prime moves, your APR moves correspondingly.

Avalanche across personal and business

If the Ink Business Unlimited at 21.49% is one of several cards in your debt stack (personal Freedom Unlimited at 24%, Sapphire Preferred at 25%, etc.), the avalanche method ranks the Ink last among Chase products: 21.49% midpoint is the lowest. Apply extra dollars to the highest-APR personal cards first, pay minimums on the Ink.

The exception applies when the Ink Business Unlimited has an active 0% intro APR window: pay the minimum and let other balances burn down first, since the Ink is effectively at 0% for the intro period. Once the intro expires, re-rank.

Balance transfer alternatives

The Ink Business Unlimited does not offer 0% intro APR on balance transfers. For a small business looking to consolidate, alternatives:

• A small business line of credit at 8-12% APR is meaningfully below 21.49%
• An SBA 7(a) microloan at 7-9% APR
• A personal 0% balance transfer card with business reimbursement (requires careful documentation per IRS recordkeeping rules)

On a 15,000 Ink Unlimited balance at 21.49% APR moved to an 8% SBA microloan over 36 months: status quo costs 4,317 dollars in interest at 500/month. Microloan at 8% APR with 470/month payments for 36 months: total interest 1,920 dollars. Savings: 2,397 dollars. The balance transfer calculator covers the equivalent personal-card consolidation math.

Worked side-by-side: minimum vs aggressive

A 15,000 dollar Ink Business Unlimited balance at 21.49% APR:

• Minimum payment only (about 300/month declining): payoff stretches past 18 years, total interest exceeds 17,000 dollars
• 500/month: 39 months payoff, 4,317 dollars total interest
• 800/month: 22 months payoff, 2,346 dollars total interest

The marginal value of every extra 100 dollars per month on a 21.49% APR business balance is substantial: roughly 5 months saved and 600 dollars in interest avoided when moving from 500 to 800 per month on a 15,000 balance.

Authoritative sources

• Chase Ink Business Unlimited Schumer box and terms, Chase Bank USA, N.A., verified 2026-05-13
• CFPB 2025 Consumer Credit Card Market Report, accessed 2026-05-13
• 15 U.S.C. § 1637 Truth in Lending Act, Cornell Law
• Federal Reserve H.15 Selected Interest Rates, accessed 2026-05-13

Sibling Chase business cards

• Chase Ink Business Cash payoff calculator
• Chase Ink Business Preferred payoff calculator
• Chase Ink Business Premier payoff calculator

Related tools

• Credit card payoff calculator (home), pillar tool
• Credit card payoff by card type, full hub
• Balance transfer calculator
• Avalanche vs snowball method

Frequently asked questions

What is the APR on the Chase Ink Business Unlimited?

18.49-24.49% variable as of May 13, 2026, per the Chase Ink Business Unlimited pricing page. The card has no annual fee, so APR is the only direct carrying cost. Your specific rate is set at application based on business revenue, time-in-business, and the personal guarantor’s FICO score.

Does Ink Business Unlimited have an intro APR?

Yes. The card typically advertises 0% intro APR for 12 months on purchases for new accounts, then reverts to the standard variable purchase APR. There is no intro APR on balance transfers; transfer balances accrue interest at the standard APR from posting date plus a 5% transfer fee.

How does Ink Unlimited differ from Ink Cash for a small business?

Ink Unlimited earns 1.5% flat on every purchase with no category caps. Ink Cash earns 5% on the first 25,000 in office supplies and telecom, 2% on the first 25,000 in gas and dining, and 1% elsewhere. For businesses with concentrated spending in the 5% categories, Cash is better; for businesses with diversified spending, Unlimited is typically better.

How long to pay off 15,000 dollars on Ink Business Unlimited?

At 21.49% APR midpoint and 500 dollars per month, payoff takes 39 months and costs about 4,317 dollars in interest. At 700 per month, 26 months and 2,816 dollars. At 1,000 per month, 17 months and 1,838 dollars. Minimum payment only stretches past 18 years per Chase’s voluntary disclosure.

Does carrying a balance on Ink Unlimited affect personal credit?

Indirectly. Chase Ink cards typically report to commercial credit bureaus during normal operation, not consumer bureaus. However, the personal guarantee makes you liable, and default events (charge-off, lawsuit, judgment) typically end up on the personal credit report. Heavy utilization without default usually does not affect personal FICO directly.