Chase Ink Business Unlimited vs. Chase Ink Business Cash

The Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card are both small business credit cards that offer competitive rewards and no annual fees. And while they aren't as feature-packed as some of the more expensive small business credit cards offered by Chase and its competitors, these are both solid products for business owners who want to earn rewards for their spending.

Although these two small business credit cards have a lot in common, there are some key differences, particularly for their rewards programs. They also have different welcome bonus offers.

One could be a better fit for your business, depending on how much you spend and what you spend it on. In this comparison, we'll take a side-by-side look at these cards in several key areas.

Chase Ink Business Unlimited vs. Chase Ink Business Cash overview

As of Dec. 26, 2024


Ink Business Unlimited® Credit Card	Ink Business Cash® Credit Card
Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for Ink Business Unlimited® Credit Card On Chase's Secure Website.	Apply Now for Ink Business Cash® Credit Card On Chase's Secure Website.
Read Full Review	Read Full Review
Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)

Welcome Offer: Earn $750 bonus cash back	Welcome Offer: Earn up to $750 bonus cash back

Rewards Program: Earn unlimited 1.5% cash back on every purchase	Rewards Program: Earn 5% cash back in select business categories

Intro APR: Purchases: 0% Intro APR on Purchases, 12 months Balance Transfers: N/A	Intro APR: Purchases: 0% Intro APR on Purchases, 12 months Balance Transfers: N/A

Regular APR: 17.74% - 23.74% Variable	Regular APR: 17.74% - 25.74% Variable

Annual Fee: $0	Annual Fee: $0

Highlights: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Earn unlimited 1.5% cash back on every purchase made for your business No Annual Fee Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control. Round-the-clock monitoring for unusual credit card purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. 0% introductory APR for 12 months on purchases Member FDIC	Highlights: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. No Annual Fee Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. 0% introductory APR for 12 months on purchases Member FDIC
Apply Now for Ink Business Unlimited® Credit Card On Chase's Secure Website.	Apply Now for Ink Business Cash® Credit Card On Chase's Secure Website.
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Why Chase Ink Business Unlimited might be the ideal choice

The Ink Business Unlimited® Credit Card is designed for small businesses that don't spend excessively in the traditional business spending categories (like office supplies) and prefer a flat-rate rewards program. It offers 1.5% cash back on every purchasewith no limits (hence the name), and there's no need to worry about bonus categories.

Why Chase Ink Business Cash could be the better option

The Ink Business Cash® Credit Card is designed to produce the best rewards in the categories that matter most to small business owners. In addition to spending at office supply stores, the Ink Business Cash® Credit Card also offers its top (5%) cash back rate for spending on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

It also offers a higher rewards rate of 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, making it a good choice for business owners who drive for work or who regularly dine out while traveling or entertaining clients.

Chase Ink Business Unlimited vs. Chase Ink Business Cash comparison

Now that we've seen a high-level overview of both small business cards, let's take a closer look at how they compare in some of the areas that are most important to small business owners.

Chase Ink Business Unlimited vs. Chase Ink Business Cash annual fee

This is an easy comparison for these two Chase business cards. Both the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card have no annual fee. That's just one of several similarities between these two cards.

Winner: Tie

Chase Ink Business Unlimited vs. Chase Ink Business Cash welcome offer

The Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card both have strong welcome offers, but they differ in both the dollar amount and spending requirement.

The Ink Business Unlimited® Credit Card has a $750 bonus cash back welcome offer after spending at least $6,000 on the card within 3 months of opening the account.

Meanwhile, the Ink Business Cash® Credit Card earns a bonus of up to $750 ($350 after spending $3,000 within the first three months and another $400 when spending a total of $6,000 within the first 6 months after account opening).

In a nutshell, the Ink Business Cash® Credit Card has a somewhat lower (but still generous) welcome bonus, but with six months to meet spending requirements, it can be easier for many small businesses to take advantage of. The Ink Business Unlimited® Credit Card's bonus is clearly the better option for businesses that plan to use the card for at least $2,000 in purchases per month.

Winner: Ink Business Unlimited® Credit Card (if your business spending is enough to get it)

Chase Ink Business Unlimited vs. Chase Ink Business Cash intro APR

The Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card both have identical intro APR offers. Both cards have a 0% Intro APR on Purchases for the first 12 months, and both cards have no intro APR offer for balance transfers. (Note: Balance transfer offers aren't nearly as common with small business credit cards as they are with personal cards.)

Winner: Tie

Chase Ink Business Unlimited vs. Chase Ink Business Cash rewards

By far, the biggest difference between the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card is the cash rewards program structure.

The Ink Business Unlimited® Credit Card is designed for small businesses who prefer to have a simplified, flat-rate rewards structure. It earns 1.5% cash back on every purchase, with no limits.

On the other hand, the Ink Business Cash® Credit Card has a more complex rewards structure, It earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It earns 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. On all other purchases, the cash back rate is 1%.

If your business spends a lot in the categories the Ink Business Cash® Credit Card uses for bonus categories (many small businesses do), it can be the more lucrative rewards program. And a flat-rate 1.5% cash back structure isn't even the highest among flat-rate cards.

Winner: Ink Business Cash® Credit Card

Final take

These are both solid (and very similar) no-annual-fee business credit cards. The biggest differences are the welcome bonus and rewards structure, and the best fit for you depends on the spending volume and spending habits of your business.