Chase Ink Cash vs Ink Unlimited: Which Offers the Best Return For Your Business?

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ink cash vs ink unlimited cards

Chase Ink Cash vs Ink Unlimited: Which Offers the Best Return For Your Business?

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The Chase Ink Business Cash® Credit Card and the Chase Ink Business Unlimited® Credit Card are two no annual fee cash back business cards that pack a huge punch. And they’re better than ever with huge bonuses.

Small business owners (and believe me, you may be eligible for a business credit card and not realize it) who already have a card that earns Chase Ultimate Rewards points like the Chase Ink Business Preferred® Credit Card, the Chase Sapphire Preferred® Card, or even the Chase Sapphire Reserve® should give these two Ink Business cards a long, hard look. With one of those cards in your wallet, the cashback from these two Ink cards can be turned into Ultimate Rewards points, making the rewards much more valuable – especially if your ultimate goal is travel.

Not sure which one to pick? Chase doesn’t restrict you from having both, so that’s an option. And while they offer some of the same benefits, there are other key differences to be aware of between the Ink Cash vs. the Ink Unlimited cards.

Let’s walk through the bonuses and benefits on each card to help you make the decision on which version is best for you.

 

ink cash and ink unlimited cards

 

Full Benefits of the Chase Ink Business Cash Credit Card

  • $900 cash back (or 90,000 points) after spending $6,000 in the first three months of card membership. This is a limited-time offer!
  • The card has no annual fee
  • 5x points (5% cash back) on internet, cable, and phone service; office supply purchases on your first $25,000 of spending each year. 
  • 2x points (2% cash back) on restaurants and gas stations on your first $25,000 of spending each year.
  • 1x points (1% cash back) on all other eligible spending
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost

 

chase ink business cash

 

Click Here to learn more about the Chase Ink Business Cash® Credit Card. 

 

Full Benefits of the Chase Ink Business Unlimited Credit Card

  • $900 cash back (or 90,000 points) after spending $6,000 in the first three months of card membership. This is a limited-time offer!
  • The card has no annual fee
  • 1.5x points (1.5% cash back) on all purchases
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost

 

chase ink unlimited

 

Click Here to learn more about the Chase Ink Business Unlimited® Credit Card.

 

Comparing the Benefits of the Ink Cash vs Ink Unlimited

Annual Fee

Whether you choose the Chase Ink Business Cash Credit Card or the Chase Ink Business Unlimited Credit Card, neither card charges an annual fee. Additionally, there is no cost to add additional employee-authorized user cards on either card.

However, as is the case with many no annual fee credit cards, both cards will charge a foreign transaction fee. That makes it important to have another card in your arsenal when traveling abroad.

Still, neither card has an advantage here.

Winner: Tie

 

Welcome Offer Bonus

Right now, both the Ink Cash and Ink Unlimited cards are out with a limited-time welcome offer bonus. And they’re huge.

No matter which version you choose, you’ll earn $900 cash back (or 90,000 Chase Ultimate Rewards points) after spending just $6,000 in the first three months of card membership. This is a limited-time offer!

This is the biggest and best bonus we have ever seen on both cards, up from the standard offer of $750 back (or 75,000 Chase Ultimate Rewards points) after spending $7,500 in the first three months of card membership. That’s right: You can earn more points with a lower spending requirement.

It’s an incredible offer, but we don’t yet know how much longer it will last. If you are thinking about applying for either card, don’t wait too much longer.

Winner: Tie

 

Earning  Extra Cash Back (or Chase Points)

How you earn additional cash back (or points) is the biggest difference you’ll find between these two cards. Above and beyond the huge limited-time welcome offer bonus, each card earns additional cash back (or points) depending on where your business is spending money.

 

Earning Cash Back or Points with the Ink Cash Card

With the Chase Ink Cash Card, you’ll earn 5% back (5x points) on internet, cable, phone service, and office supply store purchases. Additionally, you’ll earn 2% back (2x points) on restaurant and gas station purchases. Those bonus categories are capped to your first $25,000 spent in total on these categories each calendar year.

You’ll earn 1% back (1x point) on all other eligible purchases.

 

chase ink business cash

 

Click Here to learn more about the Chase Ink Business Cash Credit Card. 

 

Earning Cash Back or Points with the Ink Unlimited Card

With the Chase Ink Unlimited Card, you’ll earn 1.5% back (1.5x points) on all eligible purchases. There is no cap on the amount of spending that will earn 1.5% back each year, and thus the name Ink Unlimited.

So while you won’t earn a big bonus for spending in certain categories, you will earn more points on purchases that otherwise wouldn’t earn a bonus.

If you spend a lot of money in the categories that would earn bonus points on the Ink Cash, the Ink Unlimited is likely a better option. But if you don’t, and don’t want to worry about maximizing your return on spending with Ink Cash, the Ink Unlimited might be a better fit.

 

chase ink unlimited

 

Click Here to learn more about the Chase Ink Business Unlimited Credit Card.
This one is close, but if you can maximize the spending categories on the Ink Cash, that is likely the better option as you will earn more points. But this hinges entirely on where your business spends money.

Winner: The Chase Ink Business Cash® Credit Card

 

Introductory APR

No matter which version of the card you choose, both the Ink Cash and Ink Unlimited offer 0% intro APR on new purchases for the first 12 months (17.49 – 23.49% variable rate thereafter).

Neither card has the upper hand in this category.

Winner: Tie

 

Impacted by the Chase 5/24 Rule?

Applying for credit cards to travel more comes with all kinds of considerations, from protecting your credit score to navigating different banks and mastering all the different points and miles out there. Chase is one of the titans of the world of points and miles, and it has one of the most important restrictions to keep in mind: the Chase 5/24 Rule.

It’s a hard-and-fast restriction rolled out years ago in order to limit card applicants from opening credit cards for the sole purpose of earning bonus rewards. If you’ve heard of the phrase “churning,” that’s exactly what this rule is designed to crack down on.

Here’s what it boils down to:

  • If you have opened five or more credit cards in the past 24 months from any bank credit card issuers (not just Chase cards), you will not be approved for Chase credit cards, regardless of your credit score or history with Chase bank.
  • The rule does not count credit inquiries, but rather new cards you have applied for and been approved.

But business credit cards work a bit differently with the Chase 5/24 rule.

When it comes to Chase business credit cards specifically, you’ll need to be underneath the 5/24 rule to get approved … but that approval will not add to your 5/24 count. 

Related Reading: Master Guide to Credit Card Applications: All the Rules You Need to Know, Bank by Bank

Neither card has the advantage here, you’ll need to be underneath the Chase 5/24 rule to get approved, but getting approved for either card doesn’t add to your 5/24 total.

Winner: Tie

 

Ink Cash vs Ink Unlimited: Which Card is Best for You?

As you can see, the benefits these cards provide are very similar. The key difference comes in what kind of bonus you’ll earn on certain spending categories.

With the Chase Ink Cash Card, you’ll earn 5% back (5x points) on internet, cable, phone service, and office supply store purchases. You’ll also earn 2% back (2x points) on restaurant and gas station purchases. Those bonus categories are capped to your first $25,000 spent in total on these categories each calendar year. You’ll earn 1% back (1x point) on all other eligible purchases.

With the Chase Ink Unlimited Card, you’ll earn 1.5% back (1.5x points) on all eligible purchases. There is no cap on the amount of spending that will earn 1.5% back each year – thus, the name Ink Unlimited.

So depending on where your business spends the most money, one card could be better than the other.

For example, if your business spends $25,000 at restaurants each year, you would earn 2% back on those charges (or 2x points) with the Ink Cash Card. That means you would end up with $500 back (or 50,000 points). Compare that to the Ink Unlimited card, with which you would only earn 1.5% back on those restaurant charges. You would end up with $375 back (or 37,500 points).

In this example, the Chase Ink Cash should be your choice.

But say, for example, you spend $20,000 a year on software expenses that don’t earn a bonus on the Chase Ink Cash card. You would earn $200 back for those charges (or 20,000 Chase points) since you only earn 1% back on charges not covered by a category bonus.

But by using the Chase Ink Unlimited, you would earn $300 back (or 30,000 Chase points) since you earn 1.5% back on all purchases.

Which card makes the most sense for you and your business will largely depend on where you are spending your money. And remember, Chase doesn’t restrict you from having one card or the other. You could hold both cards and use them on purchases where you’ll get the best return.

 

Bottom Line

When comparing the Chase Ink Business Cash® Credit Card vs. the Chase Ink Business Unlimited® Credit Card, make sure you have a solid understanding of where you plan to spend money. Depending on that answer, one version could make more sense for you.

But remember, there is no restriction for holding both of them. And since neither card charges an annual fee, that could certainly make sense.

 

chase ink business cash

 

Click Here to learn more about the Chase Ink Business Cash Credit Card. 

 

chase ink unlimited

 

Click Here to learn more about the Chase Ink Business Unlimited Credit Card.

 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

2 Responses

  • My wife has the INK Business Cash card. If she refers me for the INK Business Cash card she should earn 20,000 points. Will the referral offer for me be 90,000 points or a smaller amount?

    • Hi Paul, I believe it should be, but sometimes the referral offers differ. It’s work checking the link in her account.

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