There are many business credit cards on the market, so it is difficult to determine which card is the best. Those chasing loyalists or those who want to open a Chase credit card can choose the ink business nickname from four cards.
Two of the options are Ink Business Unlimited® Credit Card (See rates and fees) and Ink Business Cash® Credit Card (See rates and fees). If you are looking for a not-small business card, these are two compelling options.
Both cards are reliable products. Depending on your business purchase, you may benefit more from a person. Let’s explore the settings that set these cards apart and which card is the right choice for you.
Comparison of ink business unlimited and ink business cash
| Ink business unlimited | Ink business cash | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer |
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| Reward category |
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| Redemption Options | Cash back and various chase portal redemptions such as travel and gift cards | Cash back and various chase portal redemptions such as travel and gift cards |
| Card Benefits |
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Ink business unlimited and ink business cash welcome offer
Currently, two Ink business unlimited and Ink business cash Please provide the same welcome quote: $6,000 in purchases made in the first three months of opening an account, earning $900 in bonus cashback.
When trying to open two cards, you will be subject to Chase’s 5/24 rules. This means that if you have opened five or more cards in the past 24 months, you will most likely not be approved.
Fortunately, since these are business cards, they won’t count 5/24 for you.
Related: The Power of Chase Trifecta
winner: tie. Both cards have the same welcome offer.
Ink business unlimited and ink business cash benefits
Not really Ink business unlimited Not really Ink business cash Provide any statement credit or travel allowance. This is not uncommon for cards without an annual fee.
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Both cards have the same benefits in terms of car rental and purchase protection. Using these two cards, you will receive:
- Extended Warranty Protection: Purchasing with a three-year or shorter warranty from a U.S. manufacturer will add one year of insurance.
- Purchase protection: If a qualified item is damaged or stolen within the first 120 days of purchase, the price per claim ($50,000 per account) can be up to $10,000.
- Main car rental coverage: If you use your entire rental cost and travel for business purposes, you will lose up to $60,000 in the theft and damages in the United States and most countries around the world (for cars that retail for $125,000 or less). Remember that this insurance does not provide any liability coverage.
Neither of these cards has any other great benefits, so if you want to book a trip with this card, first consider the existing card in your wallet. Many annually charged cards offer stronger travel protection and various statement credits to ease the burden of budget booking on budget.
winner: tie. Both cards have the same benefits.
Earn cash back ink business unlimited and ink business cash
This is where these cards start to really differently.
this Ink business unlimited With a simple income rate:
This card is suitable for businesses that buy in various categories because it provides them with an additional 0.5% cashback compared to many other cards, and these cards have 1% cashback, while purchasing the extra bonus category does not exceed the bonus category.
on the other hand, Ink business cash Earn:
- 5% cash back for cable and telephone services, internet and office supplies stores (spent the first $25,000 in the middle of each account anniversary year and then return 1%)
- As of September 30, 2027, Lyft rides are back 5%
- 2% cash back at gas stations and restaurants (spent the first $25,000 spent on joint purchases for each account anniversary year, then returned 1%)
- Cash back from all other purchases 1%
As a new ink business cash cardholder, if you have a Chase Business Checking account, you will receive an additional 10% cash back on your first card anniversary. This is a useful benefit for the first year; however, since it is only available to business account holders, you may need to open a business checking account before applying for a card.
If your business has huge fees in the bonus category of Ink Enterprise Cash, then applying is effortless. But if your business purchases fluctuate monthly, or if you purchase in various categories, the ink business is unlimited.
winner: Ink business cash. Its bonus category and the ability to get 10% extra cash back on your first card anniversary make it a winner here.
Redemption cash back ink business unlimited and ink business cash
Both cards earn cash backs and can be redeemed through the Chase Ultimate Rewards portal for cash backs or other rewards such as gift cards, declared credits and travel through ChaseTravel℠.
There is a more profitable way to redeeming cashbacks, which we will discuss below.
winner: tie. Both cards offer the same redemption options.
Rewards through Ink Business Unlimited and Ink Business Cash Transfer Rewards
If you are also a cardholder of the following cards, you can Ink business unlimited or Ink business cash Go to this card:
The preferred information for ink business is collected independently by partners. The card details on this page have not been reviewed or provided by the card issuer.
From there, you can use Chase’s 14 transfer partners (as of October 16) and redeem your rewards to cash in on airline reward tickets or hotel accommodation.
As a cash cardholder for the ink business, I transferred the rewards to the sapphire reserve, allowing me to transfer them to partners like Air Canada Aeroplan and France-klm Flying Blue.
Recently, I needed to top up my sapphire reserve account before transferring the points to the blue, and the mobile rewards were easy.
I logged into my ink account and transferred the rewards, which happened instantly. From there, I could transfer points and book a business-grade ticket on Air France for 60,000 points.
Should I get Ink Business Unlimited or Ink Business Cash?
If your business has expenditure and expenditure caps in the bonus category Ink business cashthen this is an easy option because you can use it to maximize reward income.
On the other hand, if you buy in various categories and don’t want to get stuck with the expenditure limits that you spend in bonus categories, then Ink business unlimited Its 1.5% cash discount is better for you.
How to convert from ink business to ink business cash
Switch between Ink business unlimited and Ink business cash vice versa. To switch products, call the customer service phone number on the back of the card and talk to the representative.
However, these two cards can be opened so that your business can make certain purchases using the bonus category of the Ink Business Cash, while a 1.5% cashback is fixed from the Ink Business for all other purchases. Remember that product changes from one card to another lock you into the card’s welcome quote, so I recommend you open both cards.
Bottom line
Chase’s ink card lineup can be confusing, but Ink business unlimited and Ink business cash They are all cash folding cards for business owners.
While you may feel limited by making money only, if you hold the final rewards credit card, you can easily use the rewards you receive from both with Chase’s transfer partner.
If your business benefits from its bonus category, then Ink Business Cash is the right choice. Otherwise, use the Ink business unlimitedly to take advantage of its 1.5% cash reserve ratio.
To learn more, read our full review of Ink Business Unlimited and Ink Business Cash.
Apply here: Ink business unlimited
Apply here: Ink business cash
