Chase Ink Business Cash vs. Unlimited: Which Is Better for Your Business?
Rewards structure is the key difference between the Ink Business Cash and Unlimited.
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Updated · 1 min read
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The Chase Ink Cash and Chase Ink Business Unlimited are pretty even business credit cards, with matching bonus offers, intro APR periods and annual fees ($0 for both cards). So the choice between the Ink Cash card and the Ink Unlimited card comes down to two things: simplicity and spending.
The Ink Business Unlimited® Credit Card is the clear winner on simplicity. This card has unlimited, flat-rate rewards. If you want a card you don’t have to think about, this is it.
But the Ink Business Cash® Credit Card can be the more rewarding option. That's particularly true for entrepreneurs who count office supplies and internet, cable and phone bills among their top expenses.
Keep reading to figure out which card will work best for your business. Open to other cards? See also our list of the best business credit cards.
At a glance: Ink Business Cash vs Ink Business Unlimited
How the cards compare
Bonus offer
$750
$750
Rewards
Ink Business Cash® Credit Card
- 5% back on office supply stores and telecom (on $25,000 in combined spending annually).
- 2% on dining and gas (on $25,000 in combined spending annually).
- 1% back on all other spending.
Ink Business Unlimited® Credit Card
- 1.5% back on purchases.
Intro APR
0% intro APR on Purchases for 12 months
0% intro APR on Purchases for 12 months
What sets them apart: Rewards structure
The rewards structure is the main difference between these cash-back business credit cards — and likely the deciding factor for most business owners.
Ink Business Cash® Credit Card: This card uses bonus categories to give you more cash back in select areas, up to a point.
- 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet and phone service.
- 2% cash back on up to $25,000 a year in spending at gas stations and restaurants.
- 1% cash back on all other spending.
Ink Business Unlimited® Credit Card: The card earns the same cash back rate (1.5%) no matter what you purchase, and there are no caps on how much you can earn each year.
» MORE: Best gas cards for business
If you spend at least $25,000 on office supplies and/or telecom, it’s hard to beat the Ink Business Cash® Credit Card. Max out the 5% category each year and you’ll net at least $1,250 in cash back annually. Spend the same $25,000 on the Chase Ink Business Unlimited card and you’ll get just $375 in cash back each year.
But if most of your spending falls outside the Chase Ink Cash’s bonus categories — say on inventory, advertising, shipping or raw materials — the Ink Business Unlimited® Credit Card has the edge.
Where they're identical
These two Chase business credit cards mirror each other in virtually every way outside of their rewards
Welcome offer
As of May 2026, you can earn a welcome offer of $750 with both the Chase Ink Cash card and the Chase Ink Business Unlimited card.
Ink Business Cash® Credit Card: Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Ink Business Unlimited® Credit Card: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
No annual fee
Both the Chase Ink Cash card and the Chase Ink Business Unlimited card have a $0 annual fee. And that’s what one should expect from a cash-back business card. Only a handful have annual fees, and those that do tend to be business charge cards (like the Ink Business Premier® Credit Card) that cater to companies with high annual spending.
Intro APR
The Chase Ink Cash card and the Chase Ink Business Unlimited card have identical intro APR offers. The ongoing APR is the same, too.
Ink Business Cash® Credit Card: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% Variable APR.
Ink Business Unlimited® Credit Card: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% Variable APR.
Employee cards
You can easily add employee cards free of charge — and set spending limits on those cards — with both the Chase Ink Cash card and the Chase Ink Business Unlimited card. Employee cards earn cash back, too.
Foreign transaction fees
The Chase Ink Cash card and the Chase Ink Business Unlimited card both charge a foreign transaction fee of 3%. This can add significant cost to any international purchases, including inventory or overseas travel. If your business counts foreign transactions among its regular expenses, consider a business credit card with no foreign transaction fee, such as the Ink Business Preferred® Credit Card or the Capital One Spark Cash Select (see rates and fees).
The case for carrying both cards
Torn about which card to pick? If you’re open to having multiple business cards, you may not have to choose. Pair the Chase Ink Cash card with the Chase Ink Business Unlimited card to maximize rewards on all of your spending.
Use the Ink Business Cash® Credit Card for its bonus categories — office supplies and telecom (5%); restaurants and gas (2%) — until you hit the annual cap of $25,000 in combined spending for each tier. Use the Ink Business Unlimited® Credit Card for everything else.
