Chase Ink Business Cash® vs. Ink Business Unlimited®
Quick insights
- The Chase Ink Business Cash® and Chase Ink Business Unlimited® cards are business credit cards that earn cash back rewards.
- The Ink Business Cash credit card earns up to 5% cash back on select business categories and 1% cash back on all other purchases.
- The Ink Business Unlimited credit card earns a flat rate of 1.5% cash back on all purchases.
There are many types of business credit cards that earn rewards. For business owners looking to maximize their rewards earning potential through cash back, there are a few Chase for Business® credit cards that offer rewards in the form of cash back.
In this article, we’ll compare two: the Ink Business Unlimited credit card and the Ink Business Cash credit card.
Chase Ink Business Cash and Ink Business Unlimited similarities
The Ink Business Cash and Ink Business Unlimited cards are cash back rewards cards that could help you manage everyday business expenses. They come with features like expense management tools and detailed spending insights for business owners.
Both of these Chase Ink credit cards also offer:
- Complimentary employee credit cards
- Low annual fees
- A low introductory APR for a set period of time after opening the card
- Travel and purchase protections
These cards also typically allow cardmembers to earn a welcome bonus offer. New cardmembers can earn bonus points if they meet the qualifying spending requirements within the card’s promotional period.
Comparing Ink Business Cash and Business Unlimited
Many of the cards’ features are similar, but one of the most notable differences is how the cards earn cash back.
Ink Business Unlimited
The Ink Business Unlimited credit card offers a flat cash back rate on all purchases, which may be a good option for business owners who want to earn cash back without worrying about specific categories. Details include:
- 1.5% cash back on all purchases
- Point redemption options through Chase Ultimate Rewards® (including cash back, travel, gift cards and more)
Points don’t expire as long as your account remains open and in good standing.
Ink Business Cash
The Ink Business Cash card offers a higher rate on select bonus categories. Cardmembers can earn:
- 5% cash back on up to $25,000 a year in spending on select business expenses like office supply store and 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 purchases
Rewards on this card can also be redeemed for cash back, travel, gift cards and more through Chase Ultimate Rewards.
Deciding which business credit card is right for you
Because many of the cards’ features and perks are similar, one of the biggest deciding factors may be how the cards earn rewards. Having a card that earns rewards in a way that is consistent with your spending habits can help you maximize your earning potential.
As such, the Ink Business Cash card may be ideal for businesses that have consistent spending in the bonus categories such as office supply stores, restaurants and gas stations. Whereas the Ink Business Unlimited card may appeal to those who have varied business expenses.
Depending on your typical expense needs, you may also consider applying for both cards and using them strategically based on their rewards and spending categories.
In summary
While both cards offer perks and expense management tools for businesses, the most notable difference is how they earn cash back.
While the Ink Business Unlimited card earns a flat 1.5% cash back on all purchases, the Ink Business Cash card earns 1% cash back on purchases as well as up to 5% cash back on select business expenses.
Both cards have a low annual fee, provide complimentary employee credit cards and may provide a new cardmember bonus offer.
