Ink Business Cash Credit Card vs. Ink Business Unlimited Credit Card
Key takeaways
- The Ink business family of cards has a lot to offer, and which card you choose for your business will be dependent on how your business spends money.
- Consider the Ink Business Cash Credit Card over the Ink Business Unlimited if your business spends a lot on office supplies, internet, cable, phone services, restaurants and gas stations.
- If you travel a lot for business, you may want to consider pairing the Ink Business Cash or Ink Business Unlimited with the Ink Business Preferred, which comes with rewards on travel, travel-related redemption options and no foreign transaction fees.
Chase is known for its wide variety of business credit cards, many of which are designed especially for entrepreneurs and small-business owners. If you’re searching for a business rewards card from this issuer specifically, the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are two good options to consider.
In a nutshell, the Ink Business Cash Credit Card offers a higher rate of rewards for spending in select business categories, while the Ink Business Unlimited Credit Card offers a flat rate of rewards on all business spending. Let’s explore more of the similarities and differences between these cards:
Main details
| Cards | Ink Business Cash Credit Card | Ink Business Unlimited Credit Card |
|---|---|---|
| Welcome bonus | $750 cash back when you spend $6,000 within 3 months of opening your account | $900 cash back when you spend $6,000 within 3 months of opening your account |
| Rewards rate |
|
|
| Intro APR | 0% intro APR for 12 months on purchases, then a 17.99% - 23.99% Variable APR | 0% intro APR for 12 months on purchases, then a 17.99% - 23.99% Variable APR |
| Annual fee | $0 | $0 |
Ink Business Cash vs. Ink Business Unlimited highlights
Ink Business Unlimited
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The Ink Business Unlimited now edges out the Ink Business Cash when it comes to the two cards welcome bonuses. Both cards use to offer a $750 welcome bonus that requires you to spend $6,000 within the first three months of opening your account but currently the Ink Business Unlimited is offering $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. This means that you’d have to spend at least $2,000 per month for three months to qualify for the welcome bonus with either card but now receiving $150 more with the Ink Business Unlimited. For most businesses, this is likely a reasonable spending requirement, one that even smaller businesses should be able to meet.
Ink Business Cash
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With the Ink Business Cash card, you’ll earn 5 percent cash back at office supply stores and on internet, cable and phone services, as well as 2 percent cash back at gas stations and restaurants. Spending outside of these categories will earn 1 percent cash back. For the 5 percent and 2 percent categories, your cash back is capped at $25,000 in combined spending in each category, which limits how much cash back you can actually earn each year. Once you hit that limit, you’ll only earn 1 percent back for spending in those bonus categories.
The Ink Business Unlimited has a lower rewards rate at 1.5 percent cash back, but it applies to all categories and doesn’t have a spending limit. You may earn fewer rewards with this structure, but you won’t have to track categories or worry about a spending cap that drops your earnings to 1 percent back on your spending.
While the Ink Business Unlimited’s reward structure might be easier to manage for some business owners, the Ink Business Cash card still comes out ahead with a better rewards rate and more opportunity to earn cash back.It should be noted, however, that even though both business cards are marketed as cash back cards, they actually earn Chase Ultimate Rewards points, which can be redeemed for cash. This means that both cards have more rewards redemption options than typical cash back cards.
Tie
Why they tied
Neither card charges an annual fee, so you won’t have to worry about justifying the cost of carrying these rewards cards from year to year.
Tie
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Both cards charge a 3 percent foreign transaction fee, which means they’re not well suited for international travel. To support your business travel needs, consider pairing either one of these cards with the Ink Business Preferred® Credit Card. With this card, you’ll avoid foreign transaction fees and earn more rewards in select business and travel categories — all for a $95 annual fee.
If you pair the Ink Business Preferred with the Business Cash or Business Unlimited, you’ll also have the ability to combine all of your Ink Business card rewards. You can move points from your Ink Business Cash or Business Unlimited to your Ink Business Preferred to gain higher-value travel redemption options.
For example, with the Ink Business Preferred, your points are worth 1.25 cents apiece toward Chase travel — or even more with the right transfer partner. This is because Chase Ultimate Rewards can be worth around 2 cents each on average if transferred to high-value Chase airline and hotel partners, according to Bankrate’s latest credit card points valuation.
Which card earns the most?
You stand to earn more than double the rewards with the Ink Business Cash. But in order to get the most from this card, you’ve got to spend in the right bonus categories. If you don’t spend that much in the Ink Business Cash’s 5 percent and 2 percent bonus categories, you could end up better off with the Ink Business Unlimited’s 1.5 percent flat rate.
Spending example: Ink Business Cash vs. Ink Business Unlimited
Ultimately, the better card for you comes down to how your business spends. We take a look at both cards in terms of the cash back they can earn.
| Category | Annual Spend | Ink Business Cash Credit Card Cash Back Amount | Ink Business Unlimited Credit Card Cash Back Amount | |
|---|---|---|---|---|
| Office supply | $6,000 | $300 | $90 | |
| Internet | $2,400 | $120 | $36 | |
| Cable | $1,500 | $75 | $22.50 | |
| Phone | $3,000 | $150 | $45 | |
| Gas | $4,800 | $96 | $72 | |
| Restaurants | $9,600 | $192 | $144 | |
| Total | $27,300 | $933 in cash back | $409.50 in cash back |
Why should you get the Ink Business Cash?
If you’re considering the Ink Business Cash, you’d likely be happy with it if your business spends a lot on office supplies, internet, cable and phone services, along with gas and restaurant spending. This card would be even better for you if you can stay just under the $25,000 annual limit for both the 5 percent and 2 percent bonus categories.
You should also get this card if you’re not particularly interested in accruing rewards for business travel. Although you can redeem your rewards for travel through Chase, you can’t get the boosted 1.25- or 1.5-cent-per-point value for Chase travel like you can with other Chase cards.
Additional benefits
Here are some additional benefits the Ink Business Cash card offers:
- Free employee cards
- Auto rental collision damage waiver
- 24/7 pay-per-use roadside emergency service
- Travel and emergency assistance services for issues while traveling
- Purchase protection for 120 days for items that are damaged or stolen (up to $10,000 per claim and $50,000 per account)
- Extended warranty protection that extends eligible U.S. manufacturer warranties of three years or less by one additional year
- Redemption options
You can receive rewards as cash back in the form of statement credits or direct deposits. You can also redeem rewards for gift cards, for travel through Chase Ultimate Rewards or by paying with points for select products or services. You can also combine points with a premium Chase credit card to gain the ability to transfer rewards to Chase’s airline and hotel partners.
Recommended credit score
You’ll need good to excellent credit (670 to 850) to qualify for this card.
Why should you get Ink Business Unlimited?
The Ink Business Unlimited is for businesses that want a no-frills, no-fuss way to earn flat-rate rewards on all business spending. This card would also be worth it if you want unlimited rewards in the form of Ultimate Rewards points, which you can use for travel, cash back and more.
Additional benefits
The Ink Business Unlimited’s benefits are identical to the Ink Business Cash’s benefits:
- Free employee cards
- Auto rental collision damage waiver
- 24/7 pay-per-use roadside emergency service
- Travel and emergency assistance services for issues while traveling
- Purchase protection for 120 days for items that are damaged or stolen (up to $10,000 per claim and $50,000 per account)
- Extended warranty protection that extends eligible U.S. manufacturer warranties of three years or less by one additional year
- Redemption options
Like the Ink Business Cash, you can redeem rewards for cash back, travel through Chase, gift cards and select merchandise. For example, you can redeem points for purchases through the Apple Ultimate Rewards Store, Shop Through Chase and select online merchants (like Amazon and PayPal) using Shop with Points.
Recommended credit score
You’ll need good to excellent credit (670 to 850) to qualify for this card.
The bottom line
Both business cards offer the opportunity to earn a respectable rate of rewards on business spending. The Ink Business Cash Credit Card offers a higher rate of cash back on select bonus categories (capped at $50,000 in combined annual spending), while the Ink Business Unlimited Credit Card offers a flat rate of 1.5 percent cash back and no caps on annual spending.
Take a look at your business spending and choose the Ink Business card that best matches your spending habits. With no annual fee, you may even consider getting both cards and pairing them strategically for better earning and redeeming opportunities.
