Chase Ink Business Unlimited vs. Chase Ink Business Cash — Which One Is Right For You?

The Chase Ink Business Unlimited® Credit Card and Chase Ink Business Cash® Credit Card are two of my favorite no-annual-fee business cards! Both earn Chase points, both have fantastic welcome offers, and both have no annual fees! 🙌🏼

💡 And here’s something a lot of people don’t realize: you don’t need a huge business to apply for a business card. You can qualify even with a small side hustle! -> Here’s how.


So… what’s the difference between the two cards? Which one is actually better for YOU to get right now? Let’s break it down! 👇🏼


Ink Cash and Ink Unlimited Similarities


🚨🔥 Welcome Offer:


How to Turn the Cash Back Into Chase Points:

Even though these are technically cash back credit cards, they actually earn Chase points! If you only have one of these cards, your points are worth 1 cent each.

BUT—if you also have a transferrable card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Sapphire Reserve for Business℠ or the Chase Ink Business Preferred® Credit Card, you can combine your points and transfer them to travel partners like Hyatt, United, or Southwest! Which can often make your points worth a lot more!



Annual Fee:

Both cards have a $0 annual fee! 🙌 $0 for a welcome offer worth $900 cash back at the minimum?! Sounds like a no brainer to me!



0% Intro APR:

Both cards come with a 0% intro APR on purchases for the first 12 months, which may come in handy if you have a big expense coming up and want to spread out payments. THAT BEING SAID, I recommend paying off all credit cards on time and in full!



The Biggest Ink Cash and Ink Unlimited Difference


The biggest difference is how you earn rewards: 


Ink Business Unlimited: Earn 1.5% cash back (1.5x points) on every single purchase.


Ink Business Cash: Earn 5% cash back (5x points) on the first $25,000 per year at office supply stores and on internet, cable, and phone services; earn 2% cash back (2x points) on the first $25,000 per year at gas stations and restaurants, and earn 1% cash back (1x points) on everything else.


My Take:


You can’t go wrong with EITHER card and it your decision might just come down to your spending. The Ink Unlimited is easy and consistent with a 1.5% cash back on all purchases, while the Ink Cash is a win if you spend a lot in the categories that offer 5% and 2% cash back!


If you’re like me, you may eventually end up getting both :) I love these cards and with a HUGE welcome offer and no annual fee, these are cards I can recommend to just about anyone!

As always, I appreciate it so much when you use my credit card affiliate links to apply for a new credit card! It supports my small business at no cost to you!


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