Chase Ink Business Cash vs. Chase Ink Business Unlimited: Which no-annual-fee business card is better?

Once you’re approved for an Ink Business Unlimited® Credit Card, you can earn $750 in bonus cash back after spending $6,000 on purchases in the first three months from account opening.

New Ink Business Cash® Credit Card cardmembers can earn up to $750 with a welcome bonus, but the spending requirement is tiered instead of all-or-nothing.

• After you spend $3,000 on purchases in the first three months from account opening, you receive $350 in cash back.
• After you spend a total of $6,000 on purchases in the first six months after account opening, you receive an additional $400 in cash back.

The amount you have to spend to earn $750 cash back is the same for both cards, but the Ink Business Cash gives you three extra months to meet that requirement, plus you have the opportunity to earn a bonus even if you fall short of the full $6,000 threshold.

With the Cash Credit, you can also earn a 10% relationship bonus with Ink Business Cash Card if you open the card between March 17 and Nov. 17, 2024, and have an eligible business checking account with Chase on your first card anniversary. So you could open a Chase Business Complete Banking account and earn its bonus, plus get an additional 10% bonus based on the cash back you earned from spending your Ink Business Cash card that year. The card’s welcome bonus doesn’t qualify for the 10% relationship bonus.

The Ink Business Cash is especially rewarding for office supply stores and internet, cable and phone services. It also earns a solid return at gas stations and restaurants. You can earn $1,750 cash back each year just from maxing out the bonus categories. However, these bonus categories are capped and after you hit the annual limit, your return drops to 1% cash back.

The Ink Business Unlimited doesn’t offer elevated bonus categories and instead gives you 1.5% on all purchases with no cap. That’s a 50% higher return than what you get spending with the Ink Business Cash Card in non-bonus categories. If your business expenses mostly fall outside of the Ink Business Cash’s bonus categories (or exceed the categories’ spending limits), the Ink Business Unlimited can provide a higher return.

The intro 0% APR these cards offer will put a smile on the face of any business owner. The Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card both provide new cardholders no interest on purchases for 12 months from account opening. Once the intro APR expires, a variable APR of 18.49% to 24.49% applies.

You’ll also have access to the same insurance perks with both cards, including:

You can add employee cards to your account for no additional cost with either card.

Because these cards share so many features, the right choice will come down to where your business spends the most.

The Ink Business Cash could be a better fit if your business spends at office supply stores, gas stations, restaurants and on internet, cable and phone services. The Ink Business Unlimited is better for all other purchases because you’ll earn at least 1.5% cash back on every transaction.

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