The *Ink Unlimited* and the *Ink Cash* are two of the best no-annual-fee business credit cards on the market. If you're a small business owner (and trust us, you might be), these cards and their massive bonuses warrant a good hard look for your business.

So what's at stake? With the current offers, you can earn up $750 cash back (or 75,000 Chase Ultimate Rewards points). But exactly how the bonus works will depend on which version of the card you choose.

  • With the *chase ink cash*, it's broken up into two tiers. You can earn $350 (or 35,000 points) after spending $3,000 on purchases in the first three months and an additional $400 (or 40,000 points) after spending $6,000 on purchases in the first six months after account opening.
  • With the *chase ink unlimited* you can earn $750 (or 75,000 points) after you spend $6,000 on purchases in the first three months from account opening.

So long as you can responsibly meet either card's $6,000 spending requirement, you won't find a better or cheaper way to earn a big bonus.

While these cards technically earn cash back, you can turn that into valuable Chase Ultimate Rewards points so long as you hold another Chase card that earns them, including the *chase sapphire preferred*, the *chase sapphire reserve*, or even the *chase ink preferred*. That means those 75,000 points are worth over $900 in travel booked through the Chase Ultimate Rewards Travel Portal or potentially much more by using Chase's transfer partners like Hyatt, United, Southwest Airlines, and more.

But remember: Whether it's a personal card or for a small business, credit cards are serious business. You should never apply for a credit card unless you can afford to pay off every dime you charge.

Read on for everything you need to know about the Ink Unlimited and Ink Cash cards.

 

Chase Ink Business Unlimited® Credit Card

Racking up points in a hurry is easy with Ink Unlimited, as you'll earn 1.5% cash back (or 1.5x Ultimate Rewards points) on every dollar you spend.

When you factor in the ability to earn 1.5% cash back on the $6,000 you'll need to spend to earn the 75,000-point welcome offer bonus, you'll end up with about 81,000 points when all is said and done. That's as big of a bonus as you'll find on a card that doesn't charge an annual fee.

While this card is marketed as a cashback card rather than a points-earning card, the cashback is actually earned in the form of Chase Ultimate Rewards points. If you also hold a personal or business credit card that earns Ultimate Rewards points, like the Sapphire Preferred or Ink Preferred, you can move the “points” over from your Ink Business Unlimited for even more redemption options.

 

Full Benefits of the Chase Ink Business Unlimited Credit Card

  • Welcome Offer: *Ink Unlimited Bonus*
  • Earn unlimited 1.5x points (1.5% cash back) on all business purchases
  • Earn 5x points (5% cash back) on Lyft rides through September 2027
  • 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
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Annual Fee: None

 

*ink unlimited*

 

Learn more about the *chase ink unlimited*.

 

Chase Ink Business Cash® Credit Card

Many people think of the Chase Ink Business Cash® Credit Card as the small business equivalent of the Chase Freedom Flex℠. That's because like the Freedom Flex, you can earn 5% back on select business spending categories on up to $25,000 each year – although the categories don't rotate quarterly as they do on the Freedom Flex card.

Much like the Ink Unlimited card, the Chase Ink Business Cash doesn’t earn points outright. But so long as you’ve already got another Chase card that earns Ultimate Rewards in your wallet, you can turn that cashback into points to use for booking travel.

That means if you earn the full bonus, you can then use the $750 cashback as 75,000 Chase Ultimate Rewards points, sending the points over to Chase transfer partners to book flights and hotels … or booking travel directly through the Chase travel portal. 

 

Full Benefits of the Chase Ink Business Cash Credit Card

  • Welcome Offer: *ink cash bonus*
  • 5x points (5% cash back) on office supply purchases; internet, phone and cable service charges (up to $25,000 in combined spending each account anniversary year).
  • 2x points (2% cash back) at restaurants and gas stations (up to $25,000 in combined spending each account anniversary 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
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Annual Fee: None

 

*ink cash*

 

Learn more about the *Ink Cash*.

 

So Which Chase Ink Card is Best?

That’s a tough one. There's no one-size-fits-all answer: It really depends on your small business's spending patterns.

If you’re paying serious dollars every month for telecommunications or office supplies for your business, the Chase Ink Business Cash card's 5x points (5% cash back) on internet, cable, and phone service and at office supply stores is second to none.

Meanwhile, the Chase Ink Business Unlimited is about as good of an all-around spending card as you’ll find – especially for having no annual fee. If none of the spending categories above stick out but you’ll still be racking up some serious business expenses, earning 1.5x points (1.5% cash back) on all purchases is a stellar return.

Read next: Which Chase Ink card offers the best return for your business?

Keep in mind: Chase doesn't restrict you from having both cards, so that's an option.

One thing to note: Both of these cards charge foreign transaction fees. That means if you have upcoming international travel, you'll want to make sure to have a card in your wallet that won't charge those pesky foreign conversion fees.

Read our master guide to the Chase Ink Business Credit Cards!

 

Special Considerations with Chase Ink Business Cards

If you’ve applied for or read about Chase credit cards, you’ve likely come across the bank's dreaded 5/24 rule.

Chase won’t accept applications if you’ve opened five or more cards in the last 24 months from any bank – not just Chase. With business cards, that same rule applies … kind of. 

 

 

For starters, you will need to be under the 5/24 limit to get approved for a Chase Ink Business card … but that approval won't add to your 5/24 count. So if you've opened three or four credit cards in the last two years, it might be the perfect time to apply for one of these cards. That way, it won’t hinder any applications for other future Chase cards.

And there’s one other detail that makes these cards even more alluring. While Chase restricts earning bonuses on both the Chase Sapphire Preferred and Chase Sapphire Reserve, that’s not true of the Ink Business family. You can stack welcome bonuses from several of these cards so long as you can get approved. 

But Chase can be very stingy with approvals for business credit cards. Be prepared to provide business paperwork and answer a lot of questions – though that won't always be the case.

Read our master guide to credit card applications.

 

Bottom Line

Chase is currently offering up to $750 cash back (or 75,000 Chase Ultimate Rewards points) on the Chase Ink Business Unlimited Card after spending $6,000 in the first three months.

If either card makes sense for your business – and they likely do – you'll be hard-pressed to find better bonus offers than these.

 

*ink cash*

 

Learn more about the *chase ink cash*.

 

*ink unlimited*

 

Learn more about the *chase ink unlimited*.