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Randy Plett/Getty Images October 31, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter." Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travel, Departures and The Writer. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Chase is known for its wide variety of , 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 offers a higher rate of rewards for spending in select business categories. In contrast, the offers a flat rate of rewards on all business spending. Below, we’ll 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 $900 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 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year) 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year) 1% back on all other purchases 1.5% cash back on all purchases Intro APR 0% intro APR for 12 months; 16.24% to 22.24% variable thereafter 0% intro APR for 12 months; 16.24% to 22.24% variable thereafter Annual fee $0 $0 Ink Business Cash vs Ink Business Unlimited highlights
Welcome bonus winner Tie
Both the Ink Business Cash and the Ink Business Unlimited offer a $900 welcome bonus that requires you to spend $6,000 within the first three months of opening your account. 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. This is a very reasonable , one that even smaller businesses should be able to meet. Rewards rate winner Ink Business Cash
With the Ink Business Cash card, you’ll earn 5 percent cash back at office supply stores and on internet, cable and phone services and 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 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 does have a lower rewards rate at 1.5 percent cash back, but it applies to all spending categories. You may with this structure, but you don’t have to track categories or worry about a spending cap that drops your earnings to 1 percent back on your spending. Additionally, it should be noted that, even though both business cards are marketed as cash back cards, they actually earn points. This means that both cards have more rewards redemption options than typical cash back cards. Annual fee winner Tie
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. Foreign transaction fee winner Tie
Both cards charge a 3 percent , which means they’re not well suited for international travel — on their own. To support your business travel needs, consider pairing either one of these cards with the . With this card, you’ll avoid foreign transaction fees and earn more rewards in select business and travel categories. However, a $95 applies. You’ll also have the ability to combine all of your Ink Business cards’ rewards. You can move points from your Ink Business Cash or Business Unlimited to your Business Preferred to gain higher-value redemption options. For example, with the Ink Business Preferred, your points are worth 1.25 cents apiece toward Chase travel or if transferred to certain Chase airline and hotel partners. Which card earns the most
In the following example, we’ll see that you’ll stand to with the Ink Business Cash — with a caveat. In order to get the most from this card, you’ve got to have enough spending in the bonus categories. If you don’t spend that much in the Ink Business Cash’s bonus categories, you could end up better off with the Ink Business Unlimited. Ink Business Cash vs Ink Business Unlimited spending example
Ultimately, choosing the best card will come down to how your business spends. We’ll take a look at both cards in terms of the cash back they can earn. Consider this example: Category Annual Spend Ink Business Cash Credit Card Ink Business Unlimited Credit Card 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 , it would be because your business spends a lot on office supplies and internet, cable and phone services, along with gas and restaurant spending. This card would be even better for you if you can reach 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 . 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 could with other Chase cards. Additional benefits
Here are some the Ink Business Cash card offers: An 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 or for gift cards, travel through Chase Ultimate Rewards or paying with points for select products or services. You can also combine points with a premium Chase credit card to transfer your rewards to . Recommended credit score
You’ll need (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 on all business spending. This 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 are identical to the Ink Business Cash’s benefits: Free employee cards An 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) 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, and select online merchants (like Amazon.com 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 cards offer the opportunity to earn a respectable rate of rewards on business spending. The offers a higher rate of cash back on bonus categories (capped at $50,000 in combined annual spending). The offers a flat rate of 1.5 percent cash back and no caps on annual spending. Essentially, you’ll 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. SHARE: Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter." Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travel, Departures and The Writer. Related Articles