Chase Ink Business Unlimited vs. Ink Business Cash: Chase Business Card Battle

There are many business credit card There are a lot of cards available on the market, making it difficult to decide which one is best. Chase loyalists or those looking to open a Chase credit card can choose from four business credit cards, all of which are called Ink Business.

If you need a business credit card, Ink Business Unlimited® Credit Card And Ink Business Cash® Credit Card are two attractive options.

Both cards are solid products, and depending on your business purchases, you may benefit from one more than the other. Let’s explore the differences between these cards and which one might be the right choice for you.

With Unlimited Ink BusinessYou’ll earn $750 cash back after spending $6,000 on purchases in the first three months of opening your account.

The Ink Business Cash There’s a tiered welcome bonus offer with $350 cash back after you spend $3,000 on purchases in the first three months of account opening, followed by an additional $400 cash back after spending $6,000 on purchases in the first six months of account opening.

New cardholders will also get an additional 10% cash back on their first card anniversary if they have a Chase Business Checking account. This offer is only available to those who open an Ink Business Cash account between March and November 2024.

You will have to follow Chase The 5/24 Rule when trying to open either card, but since it was a business card, we will not count on 5/24 for you

Related: The Power of the Chase Trifecta

Winner: Ink Business Cash. The ability to earn an additional 10% cash back makes this an even better offer.

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Not Unlimited Ink Business neither Ink Business Cash offer any credits or travel benefits. This is not unusual for cards with no annual fee.

Both cards offer the same benefits when purchasing and protection when renting a car. With both cards, you’ll get:

• Purchase Protection:If an eligible item is damaged or stolen within the first 120 days of purchase, you will be compensated up to $10,000 per claim ($50,000 per account).
• Primary Car Rental Insurance: If you use either card for the entire cost of your rental and business travel, you’ll be covered for theft and damage in the United States and most countries around the world. Keep in mind that this doesn’t provide any liability coverage, but you will be covered up to the actual cash value of the car you’re renting.
• Extended Warranty Protection: Purchases with a US manufacturer’s warranty of three years or less will be covered by an additional year of warranty. This can be extremely helpful when an item stops working shortly after the scheduled warranty period ends.

Aside from the above benefits, none of the cards have any other outstanding benefits, so if you want to buy travel tickets with this card, first consider the cards you already have in your wallet.

Winner: Tie. Both cards have the same benefit.

The Unlimited Ink Business has a simple earning rate of 1.5% unlimited cash back all purchases and 5% cash back Ride Lyft by March 2025.

This card is suitable for businesses with many purchases in different categories, giving them an additional 0.5% cash back compared to other cards that only give 1% cash back on purchases that are not in the rewards category.

On the other hand, Ink Business Cash earn 5% cash back at office supply stores and on internet, cable, and phone services (on the first $25,000 spent on combined purchases during each account anniversary year); 2% cash back at gas station And restaurant (on the first $25,000 spent on combined purchases each account anniversary year); and 1% cash back on all other purchases.

As a new Ink Business Cash cardholder, you’ll get an additional 10% cash back on your card’s first anniversary if you have a Chase Business Checking account.

This is a useful income level for the first year; however, since it is only available to business account holders, you may want to open a business checking account before applying for the card. Note that you will only be eligible if your Ink Business Cash was opened between March and November 2024.

If your business has significant spending in the Ink Business Cash bonus categories, then applying for the card is easy. However, if your business has variable monthly spending or if you shop in a variety of categories, then you should go with the Ink Business Unlimited.

Winner: Ink Business Cash. The bonus categories and ability to earn an additional 10% cash back on the card’s first anniversary make it the winner here.

Both cards offer cash back, which can be redeemed through the Chase Ultimate Rewards portal to cash back or other rewards, such as credit reportgift cards and travel Chase℠ Travel.

There is a more profitable way of exchanging cash which we will discuss below.

Winner: Tie. Both cards offer the same redemption options.

If you are also a cardholder of Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit CardYou can transfer the rewards earned from Unlimited Ink Business or Ink Business Cash on that card.

From there, you can take advantage of Chase’s 14 transfer partners and redeem your rewards for award tickets or hotel stays.

As an Ink Business Cash cardholder, I transfer my rewards to the Sapphire Reserve, which then allows me to transfer them to partners like Air Canada Aeroplan And Air France-KLM Fly Blue.

I recently needed to fund my Sapphire Reserve account before transferring points to Aeroplan and the transfer was easy. I logged into my account and transferred the rewards, it was instant.

If your business has expenses that fall within the bonus category and your spending limit, Ink Business Cashthen it’s an easy card choice because you can use it to maximize your rewards earnings. On the other hand, if you make purchases in a variety of categories and don’t want to get bogged down in spending limits for bonus category spending, then Unlimited Ink Business and 1.5% cashback rate will be better for you.

Switch between Unlimited Ink Business And Ink Business Cash or vice versa is possible. To product conversionCall the customer service number on the back of your card and speak to a representative.

However, it is possible to open both cardsallows your business to use Ink Business Cash bonus categories on some purchases and a flat 1.5% cash back from Ink Business Unlimited on all other purchases. Keep in mind that switching products from one card to another will void that card’s welcome offer, so I recommend opening both cards.

To learn more, read our full review of Unlimited Ink Business And Ink Business Cash.

Apply here: Unlimited Ink Business

Apply here: Ink Business Cash

Related: Ink Business Unlimited vs. Chase Freedom Unlimited